Anne Carolyn Twomey was born on June 7, 1951, in Boston, Massachusetts, she is a daughter of Muriel Descoteaux Twomey and Harry F. Twomey, Jr. of Gladwyne, Pennsylvania. Anne had a brother, John Twomey and he married to Maria S. Chan.
On April 23, 1986, Anne married John Bedford Lloyd and had two daughters Hannah and Elizabeth.