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Investments - Insurance - Retirement

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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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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 that knowledge and serve clients directly with their full spectrum of financial concerns.

At Spencer Financial, LLC, his clients span the United States and include successful business owners, families, and executives planning for their retirement. He currently serves as a Trustee of The Sudbury Foundation.

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 techniques, 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 fund raised 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 soccer and lacrosse programs. He also supports several local charities that aid veterans and families in crisis. On a national level, he has volunteered with The Million Dollar Roundtable Foundation and Habitat for Humanity and has secured grants for Seeds of Peace.

View Bill's Resume

*Qualifying membership in the MDRT is based on minimum commission and gross business generated within a year and is not based upon performance or returns experienced by any client, or opinions of the advisor's clients or former clients.

*Third-party rankings and recognitions are no guarantee of future investment success and do not ensure that a client or prospective client will experience a higher level of performance or results.  These ratings should not be construed as an endorsement of the advisor by any client nor are they representative of any one client's evaluation.

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Samuel Baldwin, CFP®, CPWA®, 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

*Qualifying membership in the MDRT is based on minimum commission and gross business generated within a year and is not based upon performance or returns experienced by any client, or opinions of the advisor's clients or former clients.

*Third-party rankings and recognitions are no guarantee of future investment success and do not ensure that a client or prospective client will experience a higher level of performance or results.  These ratings should not be construed as an endorsement of the advisor by any client nor are they representative of any one client's evaluation.

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Jamie Swasey, CPFA®

Director of Retirement Plan Services

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

Jamie Swasey began her career in financial services during her sophomore year at the University of New Hampshire.  During breaks from college, she interned at a financial planning firm in Quincy, MA. After college, she was hired there as an executive assistant to an advisor that specialized in 401(k) plans.  In her role, she worked with plan trustees, as well as plan participants to help provide personalized service plans. 

Jamie’s passion for the retirement plan industry grew after accepting a role with Putnam Investments. She traveled the country conducting 401(k) education meetings.  She was promoted to Senior Plan Services Account Manager, caring for clients with plans ranging from $5M to $1B in assets.  It was her 15 years of industry experience in retirement plan consulting and design that caused Sam Baldwin to recruit her to the Spencer Financial Team.

Jamie has earned the Series 7, 63 and 66 licenses.  She recently acquired the Certified Plan Fiduciary Advisor (CPFA®) designation through NAPA. 

Jamie lives in New Hampshire with her husband, daughter, and two stepsons.  She loves the outdoors, hiking and spending time with her family.

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Dan Enos, CFP®

Junior Advisor

(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 received his CFP® designation from Boston University in 2021.

Dan married his high school sweetheart Cassie in 2018.  He has a German Shorthaired Pointer, is an avid outdoorsman, and loves saltwater fishing

 

View Dan'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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Gene Barton, CFP®

Paraplanner

(978) 443-6500 ext. 107
gene@spencerfinancial.com

Gene Barton became interested in a career in financial services as he was completing his undergraduate degree in New York City. He realized the impact that quality advice can make during a person’s life while listening to financial podcasts and talk radio. He decided to pursue a career as a financial planner. 

In his first position as an administrative assistant for an investment advisor, Gene learned the importance of client relationships as he supported multiple regional offices and moved towards a financial planning role. When Gene joined Spencer Financial, he got the chance to collaborate with the team to deliver retirement analysis to clients in all stages of their financial lives. He has passed the Series 7 and Series 66 exams to become registered as a broker and investment advisor.

Gene graduated cum laude with a degree in Economic Policy from New York University in 2019. He has also completed coursework in financial planning, risk management, investments, taxation, and estate planning through Boston University, and passed the CFP® exam in 2021, earning the full designation in 2022.

Outside of the office, you can find Gene working at his long-standing weightlifting hobby. He also recently started drawing and painting. He grew up in the Sudbury area and returns each weekend to share dinner with his parents.

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Peter Murphy

Advisor Assistant, Insurance Specialist

(978) 443-6500 ext. 100
peter@spencerfinancial.com

After graduating from Salve Regina University in Newport, RI, Peter Murphy started his career as a Workers’ Compensation underwriter in the world of commercial insurance. He began to contemplate a career change during the pandemic, looking for a professionally fulfilling career path. After much investigation, and networking with a financial planner, Peter decided to pursue a role in financial services.

In early 2022, Peter enrolled in NYU’s CFP® program and is currently pursuing the CFP® designation. A few months later, he began searching for a job that aligned with his goals. Spencer Financial was the perfect fit; a family oriented financial planning firm, with the opportunity to work directly with clients. After years working for a multi-national corporation, being a valued member of the Spencer Financial team has been a breath of fresh air.

Peter is currently an advisor assistant and insurance specialist for Spencer Financial. He continues to study towards CFP® certification, while pursuing industry licenses. Outside of work, Peter is an avid hiker and chess player. Look out for him on New Hampshire’s White Mountain range or at the Waltham City Chess Club.

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Tom Spencer, ChFC®

Founding Partner

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.

 

*Third-party rankings and recognitions are no guarantee of future investment success and do not ensure that a client or prospective client will experience a higher level of performance or results.  These ratings should not be construed as an endorsement of the advisor by any client nor are they representative of any one client's evaluation.

 

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Phone: 978-443-6500
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Qualifying membership in the MDRT is based on minimum commission and gross business generated within a year and is not based upon performance or returns experienced by any client, or opinions of the advisor's clients or former clients.

Third-party rankings and recognitions are no guarantee of future investment success and do not ensure that a client or prospective client will experience a higher level of performance or results. These ratings should not be construed as an endorsement of the advisor by any client nor are they representative of any one client's evaluation.

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