# Justin Scotto

> Justin Scotto is a fee-only financial advisor at Tomoro in Colts Neck, New Jersey, who holds the ChFC credential. Justin focuses on founders (pre-exit). Tomoro reports charging a percentage of assets, hourly fees and fixed fees on its Form ADV.

Page: https://find.wellspent.co/advisors/justin-scotto/
Built from SEC adviser records and the firm's website; last checked October 30, 2026.

## Facts

- **Firm:** Tomoro
- **Based in:** Colts Neck, New Jersey
- **Fee model (firm's Form ADV):** Percentage of assets; Hourly; Fixed fees
- **Assets under management (firm):** $335.6M across 1,683 accounts
- **Credentials:** ChFC
- **Specialties:** Founders (pre-exit)
- **Works with:** Pre-retirees, Founders, Multi-generational families
- **CRD:** 7646014 (https://adviserinfo.sec.gov/individual/summary/7646014)
- **SEC registration:** Investment adviser representative in NJ
- **Exams passed:** Series 63 (2023)
- **Firm size:** 17 employees
- **Disclosures:** None reported
- **Website:** https://www.tomoronow.com

## Frequently asked questions

### Is Justin Scotto a fee-only financial advisor?

Yes, according to SEC records as of October 29, 2026: Justin holds no broker registration, and Tomoro reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency on its Form ADV.

### How does Justin charge for financial advice?

Justin's firm, Tomoro, reports charging a percentage of assets, hourly fees and fixed fees on its SEC Form ADV.

### Where is Justin Scotto based?

Justin Scotto is based in Colts Neck, New Jersey.

### What does Justin specialize in?

Justin's specialties include founders (pre-exit). Justin works with pre-retirees, founders and multi-generational families.

### What credentials does Justin Scotto hold?

Justin Scotto holds the ChFC credential.

### Is Justin Scotto registered with the SEC?

Yes. Justin Scotto is registered as an investment adviser representative in NJ (CRD 7646014), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.

### How much does Tomoro manage?

Tomoro reports $335.6M across 1,683 accounts in assets under management.

### How do I contact Justin Scotto?

Through Justin's website, www.tomoronow.com.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/7646014): the firm's Form ADV reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency, and the advisor holds no broker registration
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 29, 2026
- The firm's website (https://tomoronow.com/): specialties, clients served, and fees, checked October 30, 2026

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Source: Wellspent, the public graph of fee-only advisors (https://find.wellspent.co). No paid placement.