about experior financial group
Waynesboro, PA
WHO WE ARE
Founded in 2021 and led by finance broker Troy Gandy, Experior Financial Group is an independent finance brokerage headquartered in Waynesboro, Pennsylvania. Our firm was created to simplify financial protection and growth strategies for families and business owners who need clear, actionable advice. We work with clients nationwide to provide life and health insurance, Indexed Universal Life (IUL), mortgage insurance, retirement planning with tax-efficient strategies, fixed index annuities, credit repair guidance, and generational wealth planning.
LEADERSHIP - MEET TROY GANDY
Troy Gandy is the finance broker and founder of Experior Financial Group. Troy’s focus is helping clients navigate insurance and retirement product choices — translating high-level goals into practical, implementable plans. He brings a client-first approach, attention to detail, and the experience of working across many carriers to find efficient, effective solutions for clients.
Meet Assistant Beatrice Green through her social media account:
OUR MISSION
To provide thoughtful, impartial financial advice and product solutions that protect families, preserve assets, and enable tax-efficient wealth transfer. We aim to demystify insurance and retirement planning, guide clients through practical decisions, and maintain long-term relationships based on trust and performance.
OUR VALUES
Integrity
We recommend products and strategies that are in our clients’ best interests.
Clarity
Complex financial solutions should be explained in plain language. We prioritize transparency around fees, benefits, and trade-offs.
Personalization
Each client receives a plan tailored to their unique situation and goals.
Stewardship
We focus on preserving and growing assets responsibly for current and future generations.
Collaboration
We work with your CPAs, attorneys, and advisors to coordinate a comprehensive financial strategy.
SPECIALIZED SERVICES WE PROVIDE
Life & Health Insurance
Term life, permanent life, Indexed Universal Life (IUL), mortgage protection insurance, and comprehensive health insurance solutions.
Retirement Solutions
Tax-free retirement strategies, fixed index annuities, and retirement income planning.
Credit Repair Assistance
Practical guidance and tools to improve credit profiles and access better financial products.
Generational Wealth Planning
Estate planning integration, trust-friendly insurance structures, and legacy strategies to smoothly transfer wealth to the next generation.
Specialty Programs
Million Dollar Baby Plans and tailored solutions for families planning long-term security for children.
Why Insurance is a Cornerstone of Financial Health
Insurance is not a commodity — it is a risk management tool. Properly structured life and health insurance protect your earning power, eliminate debt risks for loved ones, and can provide tax-advantaged accumulation for future needs. For business owners, insurance underpins succession planning and key person protection. When combined with retirement strategies and annuity products, insurance can reduce downside risk while preserving upside potential.
Client Testimonials and Commitment to Service
We believe our best endorsements come from our clients. While we maintain strict client confidentiality, our ongoing client relationships reflect our commitment to responsiveness, clear communication, and actionable advice. We coordinate directly with clients on paperwork, carrier communications, and follow-up reviews — making planning manageable and stress-free.
OUR PROCESS
How we serve our clients:
Discovery and Goals
We take a holistic look at your financial life — income, debts, family commitments, existing coverage, retirement accounts, and legacy wishes.
Analysis and Options
Our team models alternative strategies — cost comparisons, projected cash values, retirement income scenarios, and tax implications.
Recommendation
We propose a tailored plan, explaining benefits and trade-offs clearly to help you decide with confidence.
Implementation
We manage application processes, coordinate with carriers, and verify policy issuance and beneficiary designations.
Ongoing Review
Life changes. We review plans periodically to ensure they continue to serve your objectives as markets and circumstances evolve.
Why Trust an Independent Finance Broker?
Broader product choice to find the best combination of price and policy features.
Objective comparison — we’re not limited to one company’s offerings.
Ability to match specialized needs (e.g., mortgage protection, Million Dollar Baby Plans, or custom retirement income structures) with specific carriers known for those products.
COMMITMENT TO PRIVACY AND COMPLIANCE
We adhere to federal and state regulations related to insurance and financial products. Client privacy is central. We secure personal information and only share details necessary for policy placement or as required by law.
OUR VISION FOR THE FUTURE
Experior Financial Group aims to be a trusted partner for families and business owners seeking resilient, tax-aware financial strategies. We continually expand our carrier relationships and educational resources to stay current with product innovations and regulatory changes — all with the goal of delivering better results for our clients.
FAQs
Where are you located?
We are located in Waynesboro, Pennsylvania at 13147 Shawnee Circle. We serve clients locally and nationally.
Do you work with my current advisors?
Yes — we routinely partner with CPAs and estate attorneys to ensure plans are coordinated and efficient.
Are you tied to one company?
No. As an independent brokerage, we have access to multiple carriers to find the best match.
How do you charge for advice?
Most of our compensation is commission-based through carrier relationships when policies are placed. We discuss fees and charges transparently before proceeding.
Contact and Next Steps
If you want a practical assessment of your insurance and retirement options, call us at +1 (240) 468-6883 to speak with Troy Gandy. Or schedule a consultation via our contact form for a confidential review. That’s two simple ways to begin — a direct call or an online appointment request.
