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Our Team

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Our team is made up of financial professionals focusing on investment management, financial strategy, retirement planning, and insurance planning. We operate as a true team using our combined intellectual capital to benefit each of our clients.

 

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Tom Spencer, ChFC®

Founding Partner

978-443-6500 ext. 102
tom@spencerfinancial.com

Tom Spencer has provided clients and the team of professionals at Spencer Financial, LLC first-hand knowledge of multiple market and economic cycles along with 40 years of experience. Today he enjoys maintaining client relationships while relying on the firm’s team to deliver ongoing high-level client service, advice and solutions.

Tom has been featured in financial segments on NBC’s “The Today Show,” WBNW radio’s “Smart Money,” and on the PBS broadcast “Creative Living” sharing the ideas and practices utilized at Spencer Financial.

His financial services career began immediately following graduation from Brown University and he has been a student of the best practices in the industry ever since. He holds multiple industry designations including the Chartered Life Underwriter (CLU®) and Chartered Financial Consultant (ChFC®).

Tom and his wife Suzanne have two sons and have been part of the Sudbury, Massachusetts’s community since 1980.

 

Industry Accolades:

  • Awarded the 25th annual “Albert Richardson Award” given to the individual with the highest level of commitment and service to clients, the industry and the community by the National Association of Insurance and Financial Advisors (NAIFA) Boston.
  • Chosen to address more than 7,000 members from 40 countries from the Main Platform at the MDRT annual meeting in Toronto, Canada.

 

Community Service:

  • Served on the Board of Directors of Fallon Health in Massachusetts
  • Chaired the Executive Evaluation and Compensation Committee at Fallon Heath.
  • Served as Chairman of the Board of Trustees for Endicott College in Beverly, MA
  • Member of the Endicott College Executive Committee.

 

View Tom's Resume

 

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Samuel Baldwin, CFP®, AIF®

Partner

978-443-6500 ext. 105
sam@spencerfinancial.com

Sam Baldwin's career began in the home office of Massachusetts Financial Services (MFS), a Boston-based mutual fund company, where Sam's job was to consult with financial advisors on building appropriate and productive portfolios. Soon he realized that he wanted to serve a different role.  He wanted to build long term client relationships as a financial advisor.

Sam was introduced to Spencer Financial by his father who had been receiving financial planning advice from the firm for more than 20 years.  At Spencer Financial, Sam found a mentor who helped him through the many challenges of building an award winning financial planning practice.  Sam's addition to the firm helped him immensely and contributed to the steady growth of the firm.  In January of 2015, Sam and his partner purchased a majority interest in Spencer Financial.  Today, Spencer Financial serves a diverse clientele across the country providing advisory services to help clients navigate the complexity of building and retaining wealth while positioning for a secure retirement.

Sam's dedication to best practices and high standards has led to awards and positions of leadership within the financial services industry. He is a life member of the Million Dollar Round Table (MDRT), and a qualifier for MDRT’s prestigious “Top of the Table,” (TOT).  Sam also serves as Chairman of the MDRT Foundation’s Grants Committee which is responsible for millions of dollars of giving to recipients internationally.

In 2006, Sam received the CERTIFIED FINANCIAL PLANNER™ (CFP®) designation and is an Accredited Investment Fiduciary (AIF®). Sam has also completed advanced courses of study at Boston University in financial planning, risk management, investments, taxation, and estate planning giving him an understanding of sophisticated financial vehicles and strategies.

Sam holds a degree in business from Franklin & Marshall College where he enjoyed lacrosse and rugby and once played a rugby match on the same field where the battle of Gettysburg took place. Born in Boston, he is a lifelong Red Sox fan, and, after the miracle season of '04, Sam knows that everything else in life is just icing on the cake.

 

View Sam's Resume

 

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Bill Spencer, CFP®, AIF®

Partner

978-443-6500 ext. 104
bill@spencerfinancial.com

Bill Spencer grew up in a family environment that demonstrated financial responsibility, accountability, trustworthiness, and good intentions. His father’s career example inspired him to take a similar path as a business owner and a financial advisor. He has surrounded himself with mentors and learned from their experiences. He now celebrates more than a decade as a financial advisor at a firm that he co-owns.

Bill began his career as an analyst at John Hancock in Boston consulting with financial advisors on advanced applications of insurance products. He spoke at numerous industry conferences designed to train financial professionals about the appropriate use of insurance products to solve complex problems for their clients. After several years, he decided to take his knowledge of protection strategies to serve clients directly with their full spectrum of financial concerns.

At Spencer Financial, LLC, he works as a team member to serve clients with a specialization and in-depth knowledge of insurance and protection strategies. His clients span the United States and include successful business owners, families, and executives planning for their retirement.

At Colby College in Maine, he graduated Cum Laude and served as Captain of the Colby Mules lacrosse team. He has also completed advanced courses of study at Boston University in financial planning, risk management, investments, taxation, and estate planning solutions giving him access to the latest financial strategies. Bill holds the CERTIFIED FINANCIAL PLANNER™ (CFP®) designation and is an Accredited Investment Fiduciary (AIF®).

Bill has run in the Boston Marathon and fundraised for Children’s Hospital Boston’s Miles for Miracles program. While training for the marathon, he met his future wife Jennifer. Today, they have two children, Kendra and Will, who they are raising in his hometown of Sudbury, MA.

Bill is an active member of his community and enjoys coaching for the youth lacrosse program. He also supports several local charities which aid veterans and families in crisis. On a national level, he has volunteered with The Million Dollar Roundtable Foundation and Habitat for Humanity.

 

View Bill's Resume

 

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Mary Toth, CFP®

Financial Planning Coordinator

978-443-6500 ext. 107
mary@spencerfinancial.com

Many years ago, Mary Toth’s father suggested that the financial services industry might be a great place for her to apply her skills and interests. She began taking courses at Boston University in financial planning and realized quickly that her father was right. In 1991 she completed the training to become a CERTIFIED FINANCIAL PLANNER ™ (CFP®) Professional. 

At Spencer Financial, LLC she leads the firm’s retirement planning and retirement modeling efforts. Mary provides comprehensive reporting and analysis that serves to align our client’s expectations with their financial realities. This alignment is key to a secure and confident retirement.

Mary is a graduate of Brown University and holds a Master’s degree in Business from Northeastern University.  Prior to financial services, she was employed in the technology industry, working for a computer hardware and software company.

Mary and her husband Tom have three children and have lived in Sudbury since 1992. For many years Mary volunteered at HOPEsudbury, a local organization that raises money and collects items to support people in need. An avid sports enthusiast, Mary continues to play competitive tennis and paddle tennis in the New England area.

 

View Mary's Resume

 

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Danielle Lau

978-443-6500 ext. 103
danielle@spencerfinancial.com

When Danielle Lau began working at Spencer Financial, LLC she was not aware of the impact a financial services firm can have on someone’s life. Each day she looks forward to new challenges and the opportunity to work on behalf of the firm’s valued clients.

Danielle is responsible for operations that support the firm’s investment management process. She is also responsible for the technology infrastructure at the firm.

Danielle graduated from Wentworth Institute of Technology with a Bachelor of Science in Management of Technology. She holds the Series 6 registration allowing her to offer securities in support of the Spencer Financial team.

Danielle and her husband Alan love the outdoors, running, hiking and kayaking. In 2016, she completed the Boston Marathon and participated in many other races. These events helped her to raise money for important causes including the Conquer Cancer Coalition of Massachusetts and the Leukemia & Lymphoma's Team in Training.

Danielle is a lifelong learner who listens to podcasts and seeks betterment opportunities through technology.

 

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Dan Enos

(978) 443-6500 ext. 106
dan@spencerfinancial.com

Dan Enos began his career in financial services during his sophomore year in high school working at a Credit Union.  It was there that he began to position himself for a career as a financial advisor.  By the end of high school, he was giving lending guidance and encouraging responsible retirement planning to people many years his senior. 

While attending Rivier University, Dan worked full time at Putnam Investments.  He served on a team processing investment transactions.  There he got a taste of world-class client service.

One month after his college graduation, Dan began working at Fidelity Investments.  He became licensed with the FINRA Series 7 and 63 and transitioned into a role as a trader.  He executed purchase and sale requests from clients on mutual funds, ETF’s, individual equities and fixed income.  He listened to his customers’ requests and concerns and resolved complex issues on a daily basis.

Dan was drawn to Spencer Financial because of the firm’s diverse clientele and the opportunity to build lifelong relationships.  At Spencer Financial, his advisory talents are the perfect complement to a collaborative team environment.   He also supports the firm’s investment management process by providing reporting, trading expertise and performance analytics.  He is currently studying to obtain the CFP® designation.

Dan will be marrying his high school sweetheart Cassie in 2018.  He grew up playing baseball and now umpires to remain close the game.  He has an english bulldog, and loves saltwater fishing.

 

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Oksana Levchenko

978-443-6500 ext. 100
oksana@spencerfinancial.com

Oksana Levchenko is often the first voice that clients hear when they call or visit Spencer Financial, LLC.  With positive attitude, she serves and assists the firm’s valued clients.  In addition, she handles protection product underwriting, new business oversight, and client outreach initiatives.

Originally from Ukraine, Oksana moved to the United States more than a decade ago and became a United States citizen in 2016.  Prior to joining Spencer Financial, she worked in marketing and human resources for several international companies including the Cultural Section of the British Embassy.

Oksana holds a Master’s degree in English Language and Translation, and a Master’s in Law from the Law Academy of Ukraine.  She also attended music school for 7 years and speaks several languages.

When Oksana is not in the office, she enjoys spending time with her two children, family and friends.  She also appreciates exploring new countries, loves the arts and movies, interior and graphic design, landscaping, playing and listening to music, and discovering new restaurants. 

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Phone: 978-443-6500
Fax: 978-443-6550
Toll Free: 888-443-1776

327A Boston Post Road, Sudbury, Massachusetts 01776

     

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Spencer Financial, LLC is independent of Signator Investors, Inc. and any of its affiliated companies.

Registered Representative/Securities and investment advisory services offered through Signator Investors, Inc., a registered investment advisor, Member FINRA,  SIPC, 138 River Road, Suite 310, Andover, MA 01810 (978) 689-9303

We have representatives licensed to offer Insurance Products in the following states:  CA Ins. Lic. #0H06132 & 0L57414, CO, CT, DC, FL, LA,  MA, ME, MD, NH, NJ, NY, RI, TX, VA, WV

We have representatives licensed to offer Securities in the following states:  CA, CO, CT, DC, FL, GA, IA, LA, MA, ME, MD, MI, MN, NC, NH, NJ, NY, OH, OK, RI, TX, VT

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