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
National Group Sales Manager
Micah is our National Group Sales Manager. He began his career in the insurance industry in 2014 selling Individual Life and Health. In 2017 he started the Employee Benefits department with a special interest in Self-Funded health plans.Today, Micah consults and helps agents and agencies around the country write Level and Self-funded health plans from the small to large group markets.Prior to his insurance career Micah spent 12 years in the Army as an Infantryman and Sniper. Responsible for the planning, preparation, and execution of multiple Sniper missions, he worked directly under the Battalion Commander advising him of the capabilities of his Section as it directly related to the mission of the Infantry Battalion
Group Sales Manager
Ron joined Marley Financial Group in August 2023 as the Group Sales Manager for the Pittsburgh Division. He began his employee benefits career with a National insurance carrier where he was a top performer. There he learned the underwriting processes and pricing methodologies of insurance companies and understanding of how to negotiate plan provisions, rates and renewals with all of the commercial carriers to deliver the best possible pricing for clients today.
While working for a national Third Party Administrator, Ron also gained experience in working with self-funded medical plans along with voluntary benefits and providing effective communication campaigns to increase appreciation of the benefit packages employers are providing. In 2005, he started a group benefit consulting firm from scratch, grew it and sold it. After realizing employers are still struggling to find quality solutions to control benefit costs and attract/retain good employees, he founded Trusted Benefit Advisors as a way to help employers fix the problem of providing affordable healthcare benefits to employees.
Ron has relocated to Pittsburgh and now joins our team of experts in providing our clients with the best possible healthcare solutions. Ron is a graduate of Duquesne University, and stays active with his family, exercise, golf and church.
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.
Robert “Bob” Byers
Dear friend, co-worker, and mentor.
Passed away 1/27/23
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