Retire Literate: Your Path to a Confident Retirement

Our educational seminar program is designed to help you make informed decisions about every aspect of retirement. Each event covers unique topics, including income protection, investment risk reduction, tax strategies, healthcare planning, and estate preservation. Join us for an engaging, no-pressure workshop and gain the knowledge you need to navigate your financial future confidently.

Retire Literate: Your Path to a Confident Retirement

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November 2025

November 12 @ 6 pm: Eddie V’s, Princeton, NJ
November 13 @ 6 pm: Capital Grille, Newtown, PA

Year-End Tax & Estate Planning Strategies

Ethos Capital Advisors cordially invite you and your guest to an informative dinner event for retirees or those nearing retirement. Local financial advisor, Steven J. Toto, CFP ®, will uncover timely subjects to help you refine your decision making for your future.

Come learn how the One Big Beautiful Bill could impact your retirement—and what you can do to protect your income, reduce future tax burdens, and avoid costly legislative surprises. By attending this seminar, you’ll learn financial strategies designed to help preserve more of your wealth for your heirs and your retirement. This includes:

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Why rising taxes may be the most significant risk in your retirement.
Will you have “Excess Income” in 2025 or after age 73?
Ways to potentially lessen your future tax burden of Required Minimum Distributions (73) now.
Ways to potentially create TAX-FREE income in retirement from your current IRA, 401(k), or 403(b).
Ways the Big Beautiful Bill may impact your retirement.
Common Estate Planning mistakes you should avoid.
The effect of the SECURE Act on your heirs.
Estate Planning myths you should not believe.
When do you need a Trust?
How to navigate the estate planning minefield successfully.
Tax implications of transferring wealth to future generations.
Techniques to protect assets during your lifetime to ensure they pass efficiently to your intended beneficiaries.

October 2025

October 13 @ 6 pm: Ruth’s Chris Steakhouse, Princeton, NJ
October 16 @ 6 pm: Capital Grille, Newtown, PA

September 2025

September 30 @ 2 + 6pm: Yardley-Makefield Branch, Bucks County Free Library, Yardley PA

August 2025

August 26 @ 2 + 6pm: Yardley-Makefield Branch, Bucks County Free Library, Yardley PA

July 2025

July 9 @ 6pm: Lower Makefield Community Center, Yardley PA
July 10 @ 6pm: Princeton Italian-American Sportsmen’s Club (PIASC), Princeton, NJ

June 2025

June 10 @ 6pm: Princeton Italian-American Sportsmen’s Club (PIASC), Princeton, NJ
June 11 @ 6pm: Yardley Library, Yardley PA
June 24 @ 6pm: Ruth’s Chris Steakhouse, Princeton, NJ
June 25 @ 6pm: Capital Grille, Newtown PA

May 2025

May 20 @ 2pm: Yardley Library, Yardley PA
May 20 @ 6pm: Yardley Library, Yardley PA

April 2025

April 21: The Capital Grille, Newtown PA
April 22: Ruth’s Chris Steakhouse, Princeton NJ
April 23: The Capital Grille, Newtown PA
April 29: Yardley Library, Yardley PA

March 2025

March 18: Westminster Choir College, Princeton NJ
March 19: Lower Makefield Community Center, Yardley PA
March 25: Ruth’s Chris Steakhouse, Princeton NJ
March 26: The Capital Grille, Newtown PA

February 2025

February 11: Yardley-Makefield Branch, Bucks County Free Library, PA
February 13: Mercer County Library: Hallowbrook, Ewing NJ
February 19: The Capital Grille, Newtown PA
2025 TAX-EFFICIENT RETIREMENT STRATEGIES

January 2025

January 13: Mercer County Library: West Windsor Branch, NJ
January 14: Yardley-Makefield Branch, Bucks County Free Library, PA
January 29: The Capital Grille, Newtown PA
2025 TAX-EFFICIENT RETIREMENT STRATEGIES

October 2024

October 21: Ruth’s Chris Steakhouse, Princeton, NJ
October 22: Capital Grille, Newtown, PA
ESTATE + YEAR-END TAX PLANNING

October 9:Mercer County Library: West Windsor Branch
October 10:Yardley-Makefield Branch, Bucks County Free Library
ESTATE + YEAR-END TAX PLANNING

September

September 11: Ruth’s Chris Steakhouse, Princeton, NJ
September 10: KC Prime, Lawrenceville, NJ
ESTATE + YEAR-END TAX PLANNING

August

August 20: KC Prime, Lawrenceville, NJ
August 21: Grey Stone, Newtown, PA
NAVIGATING UNCERTAINTY WITH CONFIDENCE

August 13: Yardley Makefield Township Library, PA
August 12: Mercer County Library: West Windsor Branch, NJ
NAVIGATING UNCERTAINTY WITH CONFIDENCE

July

July 30:KC Prime, Lawrenceville, NJ
July 31: Grey Stone, Newtown, PA
NAVIGATING UNCERTAINTY WITH CONFIDENCE

July 10: Yardley Makefield Township Library, PA
NAVIGATING UNCERTAINTY WITH CONFIDENCE

June

June 27: Mercer County Library: West Windsor Branch, NJ
NAVIGATING UNCERTAINTY WITH CONFIDENCE

June 26: Yardley Makefield Township Library, PA
NAVIGATING UNCERTAINTY WITH CONFIDENCE

June 19: Grey Stone, Newtown PA
NAVIGATING UNCERTAINTY WITH CONFIDENCE

June 18: KC Prime, Lawrenceville, NJ
NAVIGATING UNCERTAINTY WITH CONFIDENCE

April

April 17: KC Prime, Lawrenceville, NJ
RETIREMENT FINANCIAL LITERACY

March

March 26:Yardley Makefield Township Library, PA
March 27: Mercer County Library: Lawrence Headquarters Branch, NJ
TAXES, INFLATION, & MARKET VOLITILITY

March 11: The Yardley Inn, Yardley, PA
March 12: KC Prime, Lawrenceville, NJ
FINANCIAL LITERACY

February

February 20:Yardley Makefield Township Library, PA
February 21: Plainsboro Public Library, NJ
TAXES, INFLATION & MARKET VOLATILITY

February 6: Ruth’s Chris Steakhouse, Princeton, NJ
February 7: Grey Stone, Newtown, PA
2024 TAX-EFFICIENT RETIREMENT STRATEGIES

January

January 8: Ruth’s Chris Steakhouse, Princeton, NJ
January 10: Grey Stone, Newtown, PA
2024 TAX-EFFICIENT RETIREMENT STRATEGIES

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