Our Team

Your Partners in Personalized Retirement Planning

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 client support and experience team. Together, we help empower you to make informed decisions and build a prosperous future for you and your loved ones.

Advisors

Steven J. Toto, CFP®

Chief Executive Officer / Managing Partner / Retirement Specialist / Insurance Agent

Greg Lichtenstein, CFP®

Retirement Planning Specialist / Insurance Agent

Sean Conner, CFP®

Retirement Planning Associate

Emily Toto

Financial Planning Associate

Client Support and Experience

Nina Toto, J.D.

Partner / Office Administrator

Vanessa Fetzko

Director of Business Relations

Sarah Napiecek

Director of Operations

Liz Pacelli

Director of Client Relations

Michelle Kirwan

Client Services Specialist

Stephanie Assouad

Client Engagement Specialist

Professional Alliance

Michael Reap

Client Relationship Associate

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Steven J. Toto, CFP^®

Chief Executive Officer / Managing Partner / Investment Advisor Representative

With over three decades of experience in financial planning and portfolio design, Steven serves as Principal Advisor at Ethos Capital Management, Inc (“ECM”) where he focuses on delivering thoughtful, tailored investment strategies to clients entering or navigating retirement.

Steven is also the Chief Executive Office, Managing Partner and Insurance Agent at Ethos Capital Advisors, LLC, an affiliated company of ECM.

After beginning his financial services career in 1987, Steven founded his own firm in 2002 with a clear vision: to provide comprehensive, values-based financial guidance through every stage of retirement. At ECM, he works with clients who have completed the planning process and are ready to implement disciplined, tax-conscious asset management solutions. His areas of focus include risk-managed portfolio construction, multi-generational wealth planning, and retirement income optimization. Steven has made it his mission to treat every client like family—offering advice built on trust, experience, and integrity.

Steven is a member of the Financial Planning Association (FPA) and the Philadelphia Estate Planning Council, and he continues to stay active in financial education as a member of the Society for Financial Awareness.

Nina Toto, J.D.

Partner / Office Administrator

Nina serves as a Partner and Office Administrator at Ethos Capital Management, where she oversees daily operational functions and helps shape the systems and processes that support an exceptional client experience. With a law degree and prior experience as a practicing attorney at a large international law firm in Philadelphia, she brings meticulous attention to detail and a strong commitment to organizational excellence.

Her leadership plays a central role in ensuring the firm’s environment remains efficient, welcoming, and aligned with the high standards of service Ethos Capital Management is known for. Nina’s collaborative approach and dedication to client success reflect her long-standing partnership—both personally and professionally—with her husband, Steve.

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.

Nina is also a Partner and Office Administrator at Ethos Capital Advisors, LLC, an affiliated company of Ethos Capital Management, Inc.

Michael Reap

Client Relationship Associate

Mike serves as a Client Relationship Partner at Ethos Capital Management, Inc. (“ECM”) bringing more than three decades of experience supporting individuals and small business owners through comprehensive financial, retirement, and estate planning. He is committed to fostering strong client relationships and ensuring that each engagement is rooted in clarity, trust, and long-term perspective.

Since beginning his practice in 1987, Mike has worked extensively with pre- and post-retirees, conducting educational seminars and providing practical strategies designed to help clients pursue a confident and fulfilling retirement. His client-first philosophy reflects a deep commitment to education and empowerment throughout the planning process.

During his tenure with John Hancock, Mike was a member of the Agency Management Training Council (AMTC), where he mentored new advisors on the importance of professional integrity, ethical conduct, and responsible industry stewardship for the benefit of clients and the broader community.

Mike is also a Senior Financial Advisor at Ethos Capital Advisors, LLC, an affiliated company of Ethos Capital Management, Inc.

Emily Toto

Financial Planning Associate

Emily serves as a Financial Planning Associate and Investment Advisor Representative at Ethos Capital Management, Inc. (“ECM”) contributing to the development of tailored financial strategies that help to promote clarity, confidence, and long-term success for clients. She leverages her extensive background in asset management to integrate analytical rigor and strategic insight into the planning process.

Prior to joining ECM, Emily served as a Vice President at Macquarie Asset Management, where she spent six years managing a portfolio of digital infrastructure investments. Her ability to evaluate complex financial structures and translate them into actionable planning strategies helps to enhance the firm’s commitment to delivering thoughtful, value-driven guidance.

Emily 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 a Retirement Planning Associate at Ethos Capital Advisors, LLC, an affiliated company of Ethos Capital Management, Inc.

Greg Lichtenstein, CFP^®

Investment Advisor Representative

Greg serves as an Investment Advisor Representative and Certified Financial Planner at Ethos Capital Management, Inc. (“ECM”)where he plays a key role in building and maintaining customized investment strategies for clients in, or nearing retirement. His work integrates risk management, tax-aware investment selection, and long-term portfolio design, all rooted in a fiduciary standard of care.

Greg is also a Retirement Planning Specialist and Insurance Agent at Ethos Capital Advisors, LLC, an affiliated company of ECM.

Greg holds 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. He obtained his Certified Financial Planner™ designation in August 2023, a credential that underscores his deep commitment to fiduciary standards and holistic financial planning. He is currently a CFA® Program candidate—furthering his expertise in asset management, security analysis, and portfolio theory.

Greg’s technical background and analytical mindset are matched by his dedication to client service. He collaborates closely with the Firm’s senior advisor to help clients execute thoughtful, evidence-based investment strategies aligned with their retirement vision.

Sean Conner, CFP^®

Financial Planning Associate

Sean serves as a Financial Planning Associate and Investment Advisor Representative at Ethos Capital Management, Inc (“ECM”) contributing to the creation of strategic financial plans that support long-term portfolio management. He leverages over 20 years of industry experience, including deep exposure to institutional fixed-income strategies and mutual fund platforms—to help align planning insights with prudent asset allocation.

Sean is also a Retirement Planning Specialist at Ethos Capital Advisors, LLC, an affiliated company of ECM

Sean began his career at The Hartford in 2001, supporting annuity and mutual fund distribution teams with a specific focus on the RIA marketplace. He later led product management initiatives at Macquarie Funds Group (formerly Delaware Investments), overseeing the lifecycle and positioning of fixed-income products across institutional and retail channels. His background provides valuable context in assessing investment vehicles and aligning them with evolving client needs.

Sean earned his CFP® certification in 2005 and holds a cum laude degree from the University of Pennsylvania. He brings analytical depth and planning precision to every client engagement.

Vanessa Fetzko

Director of Business Relations

Vanessa plays a key role in operational strategy and advisor enablement at Ethos Capital Management, Inc (“ECM”). Since 2021, she has led initiatives that enhance the efficiency and consistency of client outcomes, including the integration of software platforms and service workflows that support the firm’s fiduciary responsibilities and long-term planning process.

Bridging the gap between advisory and support teams, Vanessa ensures that ECM’s clients receive high-quality, coordinated service throughout every stage of the asset management journey. Her background in business development and process design allows her to translate big-picture goals into clear, client-centric solutions, ensuring both team alignment and strong client experience.

Vanessa is also the Director of Business Relations at Ethos Capital Advisors, LLC, an affiliated company of ECM.

When not improving internal systems or refining the client journey, Vanessa enjoys exploring new cuisines and documenting her culinary finds.

Sarah Napiecek

Director of Operations

Sarah plays a critical behind-the-scenes role at Ethos Capital Management, Inc,(“ECM”) supporting the firm’s advisors through diligent execution of administrative, operational, and compliance-related functions. Her experience in financial services and customer relations—coupled with her sharp attention to detail—ensures that every client interaction is backed by a smooth and compliant operational framework.

Sarah is also the Director of Operations at Ethos Capital Advisors, LLC, an affiliated company of ECM.

With more than ten years of experience in customer service, Sarah began her financial services career as a head teller at a rapidly expanding credit union. Her commitment to accuracy, organization, and professionalism has made her a valuable resource to both the advisory team and the clients they serve.

A Bucks County resident by way of Carmel, New York, Sarah holds a degree in culinary arts and management along with a real estate license. When she’s not supporting the team at ECM, you’ll find her experimenting in the kitchen, attending Phillies games, or exploring local neighborhoods.

Liz Pacelli

Director of Client Relations

At Ethos Capital Management, Inc. (“ECM”) Liz serves as Director of Client Relations, where she plays a key role in supporting clients with their ongoing service needs. Her strong background in banking operations, real estate financing, and relationship management ensures that clients receive attentive, responsive, and personalized support at every stage of their financial journey.

Liz is also the Director of Client Relations at Ethos Capital Advisors, LLC. (“ECA”) an affiliated company of ECM. In addition to her work at ECM, Liz continues to lead community outreach for ECA’s Retire Literate™ education program.

Liz’s career in financial services began in 2009 at Unity Bank, where she gained experience in both front-end lending and back-office operations. She holds a degree in Communication Studies from West Chester University and has applied her communication and organizational strengths across various entrepreneurial ventures, including hospitality, coaching, and community engagement.

Outside of the office, Liz enjoys time with her family, supporting her children’s extracurricular activities, watching movies, and exploring the culinary scene throughout the Delaware River region.

Michelle Kirwan

Director of Client Relations

Michelle serves as a Client Service Associate at Ethos Capital Management, Inc. (“ECM”) where she helps to ensure a seamless and supportive client experience through attentive communication and a people-first approach. Drawing on more than 20 years of customer service expertise across hospitality, healthcare, and local government, she brings a strong foundation in relationship management and operational excellence to every client interaction.

Her adaptability and commitment to service fosters trust and collaboration that helps to define ECM’s client experience. Michelle plays a central role in supporting both clients and advisors, helping maintain the firm’s culture of empathy, precision, and care.

Michelle is also a Client Service Associate at Ethos Capital Advisors, LLC, an affiliated company of ECM.

Michelle lives in Bucks County with her husband and two sons. Outside the office, she enjoys reading, spending time with loved ones, attending concerts, and cheering on her sons from the sidelines.

Stephanie Assouad

Client Engagement Specialist

Stephanie began her career in New York’s Off Broadway and independent film community as a writer, producer, and actor before transitioning into corporate media at NBCUniversal. There, she supported the CFO of Content Distribution and senior FP&A leadership, gaining experience in project coordination, executive support, and operational efficiency. She later worked with the Global Travel and Expense team, contributing to policy oversight and administrative process improvement.

After relocating to Bucks County, Stephanie entered the wealth management field, holding Client Associate and Operations roles responsible for client servicing, administrative support, and daily workflow management. Her adaptability and client-first mindset strengthen Ethos Capital Management’s commitment to delivering clarity, care, and exceptional service.

Originally from the Maryland suburbs near Washington, D.C., Stephanie has spent much of her adult life in New York City. She enjoys traveling to Greece and spending time with her husband and two children.

Stephanie is also a Client Engagement Specialist at Ethos Capital Advisors, LLC, an affiliated company of Ethos Capital Management, Inc.

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