Our CFP®s bring diverse skills and experience, collaborating with you to develop tailored strategies that align with your unique goals. They are supported by our dedicated service team. Together, we empower you to make informed decisions and build a prosperous future for you and your loved ones.
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Our CFP®s bring diverse skills and experience, collaborating with you to develop tailored strategies that align with your unique goals. They are supported by our dedicated service team. Together, we empower you to make informed decisions and build a prosperous future for you and your loved ones.
THE TEAM
Steven J. Toto, CFP®
Chief Executive Officer / Managing Partner, Retirement Specialist, and Insurance Agent
Steven has been helping individuals navigate their financial planning journey for over thirty-six years. As the founder of Ethos Capital Advisors, he is passionate about guiding clients toward a confident and secure retirement through tailored planning and education.
Steven is also the Chief Executive Officer and Managing Partner at Ethos Capital Management, Inc., an affiliated company of Ethos Capital Advisors, LLC, where he also serves as the Principal Advisor and Investment Advisor Representative working with the Firm’s clients.
He is an active member of the Society for Financial Awareness, a national nonprofit committed to improving financial literacy. Through this organization, Steven frequently presents community-based workshops on topics such as “Taxes in Retirement,” “Estate Planning,” and “Generational Wealth Planning Strategies.” He also maintains memberships with the Financial Planning Association (FPA) and the Philadelphia Estate Planning Council, the oldest and largest estate planning council in the country.
Steven focuses on developing forward-thinking retirement strategies that incorporate income planning, tax mitigation, and insurance-based solutions.
Advisory services are offered through Ethos Capital Management, Inc.
Nina Toto, J.D
Partner & Director of Operations
With a law degree and a background as a practicing attorney with a large international law firm in Philadelphia, Nina brings a thorough eye for detail and a commitment to excellence for our clients. In addition to overseeing the daily activities of our operating team, she performs an active role in creating and maintaining the systems and processes that allow the team to provide outstanding service to our clients. Nina, and her husband Steve, of over 30 years, are together dedicated to ensuring the success of our clients in a friendly and welcoming environment.
Nina holds a Bachelor of Science degree and a Juris Doctor degree. She lives in New Hope, Pennsylvania with her husband. In her free time, she enjoys gardening and interior decorating.
Emily Toto
Retirement Planning Associate
Since joining Ethos Capital Advisors, LLC (“ECA”), Emily has leveraged her extensive background in asset management to support the firm’s client-focused mission. As a Financial Planning Associate, she collaborates closely with the advisory team to develop strategies that align with each client’s long-term goals while enhancing the clarity and confidence needed for sound financial decision-making.
Emily brings prior experience as a Vice President at Macquarie Asset Management, where she spent six years managing a portfolio of digital infrastructure investments. Her ability to analyze complex financial structures and translate them into actionable planning strategies strengthens ECA’s commitment to delivering value and insight.
She holds a Bachelor of Arts in Economics and a Bachelor of Science in Management with concentrations in Economics and Finance from the Boston College Carroll School of Management.
Emily is also an Investment Advisor Representative at Ethos Capital Management, Inc., an affiliated company of Ethos Capital Advisors, LLC.
Michael Reap
Senior Financial Professional
Michael began his practice in the Financial Services Industry in 1987 helping individuals and small business owners protect their assets through comprehensive financial, retirement, and estate planning. In 2002, his office moved to Newtown where he began holding informational seminars to both pre and post retirees offering strategies and solutions for a comfortable retirement.
During his tenure with John Hancock, Mike became a member of AMTC (Agency Management Training Council) where he helped advisors entering the financial services industry understand the importance of implementing high standards of professional and ethical behavior, while upholding and promoting the interests of the industry as a whole for the benefit of society and the environment.
Mike was born in Chevy Chase, Maryland and currently resides in West Trenton, NJ with his wife. They have two children and two grandchildren.
Greg Lichtenstein
Retirement Planning Specialist and Insurance Agent
Greg is a Retirement Planning Specialist and Insurance Agent at Ethos Capital Advisors, where he supports clients through every stage of the retirement planning process. From conducting income and tax planning analyses to preparing personalized healthcare reviews, Greg is committed to aligning each retirement plan with the client’s unique goals and expectations.
Greg is also an Investment Advisor Representative at Ethos Capital Management, Inc., an affiliated company of Ethos Capital Advisors, LLC.
He earned both a Bachelor of Business Administration in Financial Planning and a Master of Science in Financial Analysis from Temple University’s Fox School of Business. In August 2023, Greg became a Certified Financial Planner®, and is a CFA® Program candidate.
With a focus on education and clarity, Greg works closely with individuals and families to help them feel confident in their retirement decisions—making complex topics approachable and actionable.
Advisory services are offered through Ethos Capital Management, Inc.
Sean Conner, CFP®
Retirement Planning Associate
Sean joined Ethos Capital Advisors in 2024, bringing over two decades of financial services experience to the firm. In his role as Financial Planning Associate, Sean focuses on generating detailed, personalized financial plans that help clients make informed decisions as they prepare for and navigate retirement.
Sean is also an Investment Advisor Representative at Ethos Capital Management, Inc., an affiliated company of Ethos Capital Advisors, LLC.
Sean began his career at The Hartford in 2001, supporting annuity and mutual fund distribution teams with a focus on the registered investment advisor (RIA) space. He later spent the bulk of his career at Macquarie Funds Group (formerly Delaware Investments), where he led product development and distribution efforts for fixed-income institutional strategies and mutual funds. This experience gives Sean a well-rounded view of how investment solutions integrate with broader retirement goals.
Sean earned his CFP® certification in 2005 and holds a cum laude degree from the University of Pennsylvania. He lives in Bucks County with his wife and son and enjoys photography, music, cooking, and the occasional round of golf.
Advisory services are offered through Ethos Capital Management, Inc.
Vanessa Hernandez
Director of Business Relations
Since joining Ethos Capital Advisors, LLC (“ECA”) in 2021, Vanessa has been instrumental in strengthening the firm’s client relationships and driving forward its educational mission. She enriched the Retire Literate™ program, a cornerstone of ECA’s approach to retirement planning education, and continues to deliver ongoing support and insight to both clients and the broader community.
Vanessa oversees strategic marketing and engagement campaigns that reflect the firm’s mission: to empower clients with the knowledge and clarity needed for confident financial decision-making. She bridges the gap between the advisory and service teams, ensuring seamless client experience from initial contact to long-term support.
Her focus on building trust, aligning communications, and delivering value has made her a driving force behind ECA’s growth and reputation.
Vanessa is also the Director of Business Relations at Ethos Capital Management, Inc., an affiliated company of Ethos Capital Advisors, LLC.
Sarah Napiecek
Director of Operations
Sarah supports the professionals at Ethos Capital Advisors, LLC (“ECA”) by managing a range of administrative, operational, and compliance tasks that keep the client experience running smoothly. With over a decade of customer service experience and a background in financial services, Sarah brings exceptional attention to detail and a commitment to client care in every interaction.
Before joining the firm, Sarah began her career as a head teller at a growing credit union, where she developed her passion for helping individuals navigate financial matters with ease and clarity. Today, she plays a key role in supporting Ethos Capital Advisors’ mission of delivering high-touch, personalized service to every client.
Originally from Carmel, New York, Sarah now lives in Bucks County. In her free time, she enjoys cooking, exploring her community, and cheering on the Phillies.
Sarah is also the Director of Operations at Ethos Capital Management, Inc., an affiliated company of Ethos Capital Advisors, LLC.
Liz Pacelli
Director of Client Relations
As Director of Client Relations at Ethos Capital Advisors, LLC (“ECA”) , Liz leads the coordination and delivery of the firm’s Retire Literate™ program, a monthly educational initiative designed to bring retirement planning resources to individuals in the community. Her background in communications, banking, and small business management uniquely equips her to foster lasting client relationships while expanding ECA’s educational outreach.
Liz began her financial career in 2009 at Unity Bank, serving as a Residential Mortgage Consultant before moving into operations as a Mortgage Loan Processor. A graduate of West Chester University with a degree in Communication Studies, she later applied her talents across multiple industries, including marketing, real estate financing, and business coaching.
When not organizing educational events or community partnerships, Liz enjoys movies, exploring new restaurants, and supporting her children’s extracurricular activities. She also remains deeply involved in community initiatives and currently serves as President of the Greater Lambertville Chamber of Commerce.
Liz is also the Director of Client Relations at Ethos Capital Management, Inc. an affiliated company of Ethos Capital Advisors, LLC.
Michelle Kirwan
Client Service Specialist
Since joining Ethos Capital Advisors, LLC (“ECA”), Michelle has drawn on more than 20 years of customer service experience across hospitality, healthcare, and local government to deliver a seamless and supportive client experience. Her adaptability and people-first mindset ensure that every interaction reflects the firm’s commitment to trust, empathy, and results.
Michelle plays a key role in supporting both clients and the advisory team, fostering strong relationships and helping create a positive and welcoming environment. Her dedication to service makes her an integral part of ECA’s mission to empower clients with clarity and confidence in their financial journey.
Michelle lives in Bucks County with her husband and two sons. Outside the office, she enjoys reading, spending time with loved ones, going to concerts, and cheering on her sons from the sidelines.
Michelle is also a Client Service Associate at Ethos Capital Management, Inc., an affiliated company of Ethos Capital Advisors, LLC.