Meet the professionals who can help you Pursue Your Goals

We help individuals and families work toward their ideal retirements.

Meet The Team

The team behind Ethos Capital Advisors, LLC is made up of qualified financial professionals who are passionate about helping individuals and families work toward their ideal retirements.


Steven J. Toto, CFP® Chief Executive Officer / Managing Partner


Steven has been assisting individuals with their financial planning needs for over thirty years.  Steven is focused on helping clients work toward their retirement dreams through a well-thought-out financial strategy for retirement. He got his start in the financial services industry in 1987 and started his own financial services firm in 2002. He treats his clients and prospective clients like family and truly enjoys helping people feel confident about their financial future.

Steven is a member of The Society for Financial Awareness, a national non-profit organization that promotes public education.  Through this association, Steven has held informative talks at local libraries and community colleges educating individuals on “Taxes in Retirement”, “Social Security” and “Smart Couples Finish Rich”.

In addition to holding the Certified Financial Planner CFP® designation, Steven has been approved by the states of Pennsylvania and New Jersey as a sponsor of continuing education programs for Certified Public Accountants (CPA).  He has also been approved by the Internal Revenue Service as an approved sponsor of continuing education programs for Enrolled Agents (EA).  Steven is a member of the Financial Planning Association (FPA) and the Philadelphia Estate Planning Council, the oldest and largest estate planning council in the United States.

Steven lives in Newtown, Pennsylvania, with Nina, his wife of more than 25 years. They have two college-age children. In his free time, Steve enjoys traveling with his family, playing golf and bike riding.


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 25 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 Newtown, Pennsylvania with her husband and two children. In her free time, she enjoys gardening and interior decorating, as well as spending time with her active Australian Shepherd.


Michael ReapSenior 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.


Sarah NapiecekDirector of Operations

Sarah plays a supporting role in assisting Ethos Capital Advisors’ financial professionals with all administrative tasks, as well as operational and compliance functions.

Sarah began her career in the financial services industry as a head teller at a rapidly growing credit union. Now, with more than 10 years of experience in customer service, Sarah strives to provide excellent service to all Ethos Capital Advisors’ clients. She brings strong attention to detail and has become a valuable member of our team.

Sarah moved to Bucks County from Carmel, New York, where she lived for 28 years. She holds a degree in culinary arts and management and her real estate license. In her spare time, she enjoys cooking, attending Phillies games and exploring her community.


Cindy GrossoClient Services Specialist

Cindy joined Ethos Capital Advisors from the real estate industry, where her excellent reputation enabled her to successfully build a large network of satisfied clients. Cindy has received numerous awards and accolades from within the real estate industry and from successful partnerships with legal, mortgage and appraisal professionals.

Prior to real estate, Cindy was a registered nurse and also worked in pharmaceutical drug development. The prevailing theme of Cindy’s career has been to help others. A self-proclaimed foodie, Cindy enjoys cooking at home, dining out, and regularly practices yoga and meditation. Her guiding principle: Stay Humble, Work Hard & Be Kind.


Vanessa HernandezDirector of Business Relations

Vanessa joined Ethos Capital Advisors to oversee the daily tasks designed to enhance the experience of both clients and prospects with their financial planning goals. Some of these tasks include organizing and attending live seminars, setting up informational webinars, coordinating newsletters and web posts, and creating any additional materials that will provide helpful communications to our clients and prospects. She continues to educate herself as trends evolve in the financial digital space to successfully bridge the gap between customer expectations and experiences.

Vanessa spends her free time exploring different cuisines and restaurants in the Garden State, where she grew up. She co-manages a food blog that has her frequently exploring different towns, cities, and delicious meals.


Our location

We are located in downtown Newtown on State Street in the iconic "Bird-in-Hand", an over 300-year-old colonial home that is the oldest framed building in Pennsylvania still standing. Erected in 1686, the building served as a house initially and was then converted into a local tavern. During the Revolutionary War, the tavern was used to make uniforms for the American troops at Valley Forge. On February 19th, 1778, 40 British sympathizers raided the building. The fighting left some American soldiers dead and others captured, distinguishing it as the only location in Newtown that encountered fighting in the Revolutionary War. After the war, the building reverted back to a tavern before it was repurposed into the first Newtown Post Office in 1800, and then eventually the Library Company in 1818. Over the course of the coming years the building remained despite changing owners and now it is home to our offices! To read more about the history of our new office building, click here

Ready to Take The Next Step?

For more information about any of the products and services listed here, schedule a meeting today or register to attend a seminar.

Or give us a call at 215.968.1820