James (Jim) Toto

As a Partner in FLSV’s Private Client Services Group, Jim brings more than three decades of experience serving individuals and families with complex financial needs. His focus is on tax planning and compliance for high-net-worth individuals, with specialized expertise in trust and estate planning, retirement planning, executive compensation, and after-tax cash flow analysis. Over the years, Jim has worked extensively with clients in real estate, manufacturing and distribution, and financial services.

Known for his calm, observant approach, Jim builds enduring relationships by truly understanding each client’s unique financial picture—something he believes takes time, trust, and a lot of listening. He manages expectations by being direct and timely with communication, particularly when delivering important or sensitive tax updates.

Jim is key in advancing the firm’s tax technology initiatives and overseeing operations within the Private Clients Services Group. He is also passionate about developing future firm leaders by creating more opportunities for senior team members to take on responsibility on engagements.

Outside of the office, Jim enjoys watching baseball—whether it’s on TV or in person. He’s also a music enthusiast and used to play bass in a band fittingly named The Current Liabilities. Jim also volunteers for the Jersey Shore Animal Foundation.