Marley Financial Group in Eighty Four, PA is a full-service independent life, health and retirement planning agency. Our goal is to provide to you the most cost-effective and prudent solutions, customized to fit your individual needs. Focused on the faith-based community, we only offer providers that do not support actions that may go against your spiritual and moral code.
Our business is designed to give you peace of mind, and our professional demeanor reflects as much. As the President, Todd Marley, always says: “My dad often told me to always do more than what is expected of me.” And so, this is instilled into the core of our business.
After realizing the harsh repercussions that insurance companies can have on their client base when utilizing cash values and dividends to purchase additional insurance, we formed Marley Financial Group here in Eighty Four, PA. It became very apparent we needed to establish an agency that was truly trustworthy, and could provide a genuinely broad selection of policies from a wide array of businesses at prices you deserve and can afford. We do so bearing in mind the faith-based community, offering only those companies that are pro-life. We believe by being an independent agency and aligning ourselves with very specific companies, we can provide insurance, tax and retirement planning services to everyone who calls upon us.
A Message From Our President
I started in the insurance business in 1993 at Prudential Insurance in Washington, Pennsylvania. I was 24 years old and had a lot of indirect experience in the industry because both my mother and father had been with Prudential for a combined 40+ years. I personally thought Prudential was the greatest company in the world. The great rock of Gibraltar stood on my dad’s desk, and at the time Pru was one of the largest financial companies in the world. My naivety was realized when through training sessions, I was “taught” (in the interest of the company) to utilize cash values and dividends to purchase additional insurance. When I informed my dad of the fantastic strategy to help clients, I was quickly taught the true nature of this business, I was scolded abruptly and then explained the consequences of what my superiors were teaching me and their new agents.
I made it one of my goals to understand the truly complex nature of the insurance and financial industry. I learned to look at each client’s situation in its entirety and apply all the resources available to me. Another important aspect that I learned is that no one company can address a client’s situation in its entirety, and therefore I left Prudential and became an Independent Representative.
In 1998, I realized that tax planning can make up to a 50% difference in a client’s potential income, especially during retirement years. I started utilizing tax planning as a valid tool when implementing retirement plans. Since then most of our clients greatly reduced the amount of exposure to their retirement portfolios due to the increased net income from proper tax planning, and as a result very few suffered any form of market loss to their plans. My basic philosophy is to create retirements, whether pre-retirement wealth accumulation or post-retirement preservation, that are tax friendly, well rounded and competitively researched, with an emphasis on safety and security.
In February 2006, I became president of Marley Financial Group located in Eighty Four, PA. The company on a whole is comprised of different members, each with specialties of their own, ranging from comprehensive estate and tax planning to general business insurance and company benefits. We have a very strong support structure of three Field Marketing Organizations that coordinate product to ensure accurate data when obtaining quotes, as well as a large network of professionals to quality assist in areas such as mortgages banking and legal concerns. In 2008, I realized that our country’s financial and economic course was unsustainable, and have been working hard to provide solutions to the risks associated with the continuation of Quantitative Easing and have since established Protective Precious Metals as a means to provide low premium physical Gold and Silver for our clientele. Lastly, I am very proud to say that I have been blessed with the fortune of having quality, real people represent my name and my company and to Him I’m thankful.
Todd A. Marley
Group Benefits Coordinator
Here at Marley Financial Group we take great pride in taking a unique approach to underwriting and managing risk in the group benefits space. Typical first-year savings for our clients range between 10- 20%. As the Group Benefits Coordinator I assist our clients by identifying their needs, advising the numerous different options for group insurance, then narrowing down the options based on an
underwriting model that suits their needs.
A native of Canonsburg, PA I started in the Insurance industry in 2014 in the Individual, under 65 department. In 2017 we opened the Group Department that I currently manage and operate. My wife and 4 children are the driving force behind my work, of which I take pride and honor in. I graduated from Canon McMillan Highschool in 2007, attended Clarion University, and enlisted in the Pennsylvania Army National Guard in 2008, where I served proudly until 2019.
Robert “Bob” Byers
Life, Health & Annuity Agent, Medicare Manager
Bob has a BSBA from Strayer University, started in the insurance industry in 1996 at GEICO. Moved to life health and annuity only to focus on retirement planning with an emphasis in Medicare when his grandfather took ill. His willingness to go that extra mile and do what is best for his clients has endeared him to them. His ability to explains the rights and options helps his client make the best decision for their situations. He is more than willing to help you with all your insurance needs.
Insurance Broker- Multi-Line
Prior to my retirement of 30yrs of service in the steel industry, I decided my next adventure would be to explore a career in the Insurance industry. I studied hard and quickly obtained my license. I believe in educating individuals about their options and specialize in both Individual and Group Health, Medicare and Retirement plans.
Marley Financial Group has given me the opportunity to continue to do what I love, which is helping people! It is a great feeling to educate someone where the result is that they are happy and confident with their choices because they were provided the knowledge to make good decisions.
I am a native to the Washington, PA area and grew up with the Marley family and friends. My life revolves around my family, my wife Bernadette, two grown children, Athenia and Colten, Stepdaughter Veronica and our grandson Caleb. When I have free time, I enjoy the outdoors, fly fishing and tying the flies.
Individual Health Insurance Broker and Office Manager
Cari wears “many hats” at Marley Financial Group. She has been in the health insurance industry for 25 years and has been proudly serving clients at Marley Financial Group for the last five years as a client advocate. She has a strong background in consumer satisfaction and is always committed to ensuring that our clients and prospective clients receive the help and direction they need when a concern arises.
Cari obtained her individual health insurance license in November 2019 and oversees our Individual under 65 Health Insurance Division offering insurance plans specifically designed for the self- employed, major medical and affordable private health insurance options. All plan options are completely customizable to fit your coverage needs and budget.
Front Desk Reception
Cheryl is the friendly face who greets our clients. Cheryl started working part time for Marley Financial Group in July of 2018 after she retired from PNC Operations in Pittsburgh.
Her responsibilities include answering phones, setting appointments and assisting with the daily operations.
Marley Financial Group is proud to work with Strategic Partners that help provide our clients with the lowest rates for insurance plans. This enables our ability to guarantee you have total coverage, the way you want it, at prices that work for your budget. Below are just a few of the companies we are grateful to work with:
is a life and health insurance company that provides training and support for those seeking employment in the life and health insurance field.
Health Matching Account Services
The HMA is the ultimate medical benefit savings account available and will help customers be able to both save money on their out-of-pocket, medical expenses and also increase their primary health insurance plan deductibles to save up to 40% or more on their monthly premiums over time.
Protective Precious Metals
is a gold and silver brokerage firm that allows buyers to invest in solid metals.
Surgery Center of Oklahoma
Free Market Medical Association
Eighty Four, PA 15330
Mon: – Fri :
9:00AM – 5:00PM
*or by appointment