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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 for 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 is a specialist in group benefits; pensions, medical and ancillary insurance. He brings more than 25 years of diverse experience to his role as president at Vermont Brokerage, including property causality underwriting, financial planning adviser 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 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.

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Hazard & Siegel Inc. and Essex Asset Management Group are separate and non-affiliated entities.  Advisory services are offered through Essex Asset Management Group, separate and non-affiliated with its broker dealer.  Securities offered through Hazard & Siegel Inc.:
Hazard & Siegel Inc.
5790 Widewaters Parkway
PO Box 157
DeWitt, New York  13214
Phone: 315-414-0722

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This communication is strictly intended for individuals residing in the state(s) of MA, NH and VT. No offers may be made or accepted from any resident outside the specific states referenced.

Check the background of this financial professional on FINRA's BrokerCheck.