Welcome!

EMG strives to provide the highest level of service to its clients. We provide financial planning with the addition and integration of Social Security benefits into a comprehensive, customized plan for you and only you! Please contact us to hear more and how you can get started on YOUR financial pathway to personal success and happiness.

 

Todd Toensing CFP®

Todd Toensing is President of Essex Asset Management Group, Inc., and a FINRA registered representative with Hazard & Siegel, Inc.

Todd works with clients to design and employ a disciplined tactical asset allocation. This global tactical rotation helps to reduce risk in downturns while taking advantage of markets during up cycles. Todd specializes in working with people who have had a paradigm shift from a large inheritance or retirement payout. He designs a customized plan to keep taxes as low as possible while strategically engineering an income generating matrix fo each client.

A former captain of the Boston College Eagles soccer team and numerous leadership roles in business and coaching contributes significantly to his success as a tactical advisor. Disciplined leadership and the ability to perform under pressure help him to serve EMG clients. Todd has worked as a real estate broker and mortgage broker. His financial experience in Boston, MA also included working for American Express as a Financial Planner and Training Manager.

Todd received his BA degree from Boston College and attained his Certified Financial Planner designation in 1995. The father of two boys, Todd enjoys coaching soccer on a local and regional level.

 

Scott Baldwin

Scott D. Baldwin's is a specialist in group benefits; pensions, medical and ancillary insurance. He brings more than 25 years of diverse experience to his previous role as president of Vermont Brokerage, including property casualty underwriting, financial planning advisor and real estate management. Scott helps clients plan for retirement and specializes in analyzing, implementing and the impact of timing of receiving Social Security benefits in overall retirement plans.

Scott enjoyed his 11 years on the Burlington Planning and Zoning Commission and flying 26 years for the Vermont Air National Guard. A big sports enthusiast, Scott currently loves playing golf and supporting his two children in their many sporting and academic interests.

 

Sandy Anderson

Sandy Anderson is the Medicare Specialist - she assists with preparing clients who are looking to sign up for Medicare as well as providing supplemental policies and support information. Sandy brings an extensive understanding of small business concerns to her role as office administrator. Before joining Vermont Brokerage Services, she and her husband owned several businesses as diverse as a bagel market, bartering service and a nightclub. Sandy is the current key client liaison to insurance providers; ensuring that client applications and paperwork is taken care of accurately and promptly. Sandy and her husband Bert are the parents of three grown children and now spend their time nurturing their 1812 farmhouse and traveling.

 

Sarah Naple

Sarah Naple is a 2018 graduate from Saint Michael's College, where she studied Business and Psychology.  She joined EMG in September of 2018.  Sarah supports our client's day to day needs and provides operational support to the firm.

Outside of the office Sarah enjoys running, hiking, and spending time with her friends & family.