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