Business Details
Your Trusted Financial Advisor in Newtown, PA
Ethos Capital Advisors is a comprehensive financial services firm dedicated to helping individuals achieve long-term financial success through personalized retirement strategies. Our team of experienced professionals combines deep industry knowledge with a client-centric approach to address retirement income planning, investment management, tax optimization, healthcare planning, and estate preservation. Founded on principles of clarity and confidence, we prioritize education and tailored guidance to empower clients in making informed decisions.Our advisors hold prestigious certifications including CFP and work collaboratively to align financial plans with individual goals. With decades of combined experience and affiliations with organizations like the Financial Planning Association, we maintain rigorous professional standards while delivering transparent, ethical services. Our commitment extends beyond financial metrics to fostering lasting relationships built on trust and accountability.
Services
Retirement Income Planning
Investment Planning
Tax Planning
Healthcare Planning
Estate Planning
Pharma Benefit Planning
Financial Education
Wealth Management
Highlights and features
- We offer 36 years of retirement planning experience through our founding team members
- Our advisors hold Certified Financial Planner (CFP) designations and industry affiliations
- We provide personalized financial education through our Retire Literate program
- Our team includes professionals with backgrounds in law, asset management, and tax planning
- We maintain affiliations with the Financial Planning Association and Philadelphia Estate Planning Council
Services
Retirement Income Planning
We develop customized retirement income strategies that maximize social security benefits, pension options, and inflation protection. Our approach ensures predictable cash flow while addressing spousal survivor benefits and income gaps. Through comprehensive analysis, we help clients create sustainable monthly income plans aligned with their lifestyle goals.
Investment Planning
Our investment planning focuses on risk-appropriate portfolio construction using institutional-quality funds and equities. We emphasize fee reduction, asset diversification, and tax-efficient strategies while maintaining fiduciary oversight through our SEC-registered advisory affiliate. Regular portfolio reviews ensure alignment with evolving financial objectives.
Tax Planning
We implement legal tax reduction strategies covering income tax, capital gains, and estate tax considerations. Our approach includes Roth conversion analysis, charitable giving strategies, and tax diversification techniques designed to preserve wealth throughout retirement while maintaining compliance with regulatory requirements.
Healthcare Planning
Our healthcare planning addresses Medicare enrollment, long-term care protection, and insurance coordination. We help clients navigate complex coverage options while integrating medical expense planning into their overall retirement strategy to protect against rising healthcare costs during pre- and post-retirement phases.
Estate Planning
We develop comprehensive estate plans to minimize probate, optimize tax efficiency, and ensure proper asset distribution. Services include trust creation, will preparation, and power of attorney documentation to protect client legacies while facilitating smooth intergenerational wealth transfer.
People
Steven J. Toto
CEO / Retirement Specialist
With over 36 years of experience, Steven founded Ethos Capital Advisors to help clients achieve secure retirements through education and personalized planning. He holds CFP certification and actively participates in financial literacy initiatives through the Society for Financial Awareness.
Nina Toto
Partner / Office Administrator
As Director of Operations, Nina applies her legal background to ensure operational excellence. With prior experience at a major law firm, she oversees systems implementation and maintains a client-focused environment while managing the firm's day-to-day operations.
Greg Lichtenstein
Retirement Planning Specialist
Greg provides comprehensive retirement planning services including income analysis and healthcare reviews. A CFP and CFA Program candidate, he combines academic expertise from Temple University with practical experience to deliver personalized financial solutions.
Emily Toto
Financial Planning Associate
Emily supports strategic financial planning with her background in asset management from Macquarie Asset Management. She applies analytical skills developed during six years managing digital infrastructure investments to enhance client financial strategies.
Michael Reap
Senior Financial Professional
With over 35 years in financial services, Michael specializes in retirement and estate planning. His experience includes leadership roles at John Hancock and extensive community education through informational seminars for pre- and post-retirees.
Questions
What financial planning services do you offer?
We provide retirement income planning, investment management, tax optimization, healthcare planning, and estate preservation services tailored to individual needs.
How do you work with clients?
We use a five-step process covering income, investment, tax, healthcare, and estate planning to create personalized retirement strategies.
Are you fiduciary advisors?
Yes, our investment advisory services follow fiduciary standards through our SEC-registered affiliate Ethos Capital Management.
Do you specialize in pharmaceutical benefit planning?
Yes, we have specialized expertise helping Merck and Johnson & Johnson retirees navigate their unique employer-sponsored benefits.
What credentials do your advisors hold?
Our team includes Certified Financial Planners (CFP), legal professionals, and investment advisor representatives with industry affiliations.
