#PITTSBURGHFINANCIALPLANNER
Welcome to your best financial life.
Financial services for families in Pittsburgh & beyond.
- Financial planning
- Investment guidance
- Student loan help
- Tax planning & prep
Ryan S. Galiotto CFP® CSLP®
Founder & Advisor
FIDUCIARY FINANCIAL PLANNER IN PITTSBURGH, PA
Ryan S. Galiotto CFP® CSLP®
Founder & Advisor
Featured in:
What do your best financial life look like?
Let's find out. I'll help you map out your ideal financial future & ensure every financial decision you make helps you get closer, not further, from achieving it.
A truly holistic approach to your finances.
Because you deserve to feel great about your money.. all of it.
Understand where your money is coming from and where it’s going. I’ll help you build a budget and cash flow analysis.
Build an investment portfolio tailored for your financial plan. Ensure it’s tax-efficient, well-monitored & regularly rebalanced.
With over 15 years of retirement planning experience, I can help you create a retirement income plan that’s tax-efficient and sustainable, optimize your Social Security, plan for Medicare and create a legacy plan for your heirs.
Leverage my expertise in student loan planning to craft a repayment and/or forgiveness strategy that aligns with your career and financial goals.
I have expertise in Parent PLUS loans, repayment plans, double consolidations, Public Service Loan Forgiveness and more!
Taxes can erode a financial plan quickly. I’ll help you save on your lifetime retirement bill with Roth conversion strategies, maximizing current tax opportunities, business tax planning & more. I can also help you prepare your tax returns.
Ensure you adequate amounts of home, auto, life & disability insurance based on your current financial plan.
I’ll help you ensure you have all the proper estate planning documents in place (last will & testament, medical directives, powers of attorney, etc.) via our estate planning partners.
We’ll also plan for any legacies you’d like to leave behind at death.
Why Etch is Different?
I understand that today's financial decisions require modern tools & solutions as well as lots of collaboration.
Therefore, I use the latest in financial technology as well as my extensive service calendar to ensure I'm helping you stay on top of your money and making the most informed decisions.
Need more from your advisor? Let's talk.
Services & Packages
Investment
Guidance
Get a custom-built & monitored portfolio based on your personal risk tolerance and investment objectives.
- Portfolio built in-house
- Tax-efficient investing
- Low-cost ETFs & funds
- Professional monitoring
- Regular rebalancing
- & more!
0.65% - 1.0%*
*annual percentage of assets invested
Financial Planning
On-going financial guidance to help you optimize your money and make progress towards your financial goals.
- 1:1 financial advice
- Cash flow analysis
- Retirement planning
- Get properly insured
- Tax planning
- & more!
$200/mnth*
*fee waived at $250,000 invested
Student Loan Consultation
A one-hour consultation to help you find the find the optimal path for repaying your student loans.
- Pick your repayment plan
- Forgiveness potential
- PSLF guidance
- Parent PLUS loan help
- Double consolidations
- & more!
$450*
*includes 12-months of ongoing support
Meet Ryan Galiotto, CFP® CSLP®
Ryan is a Pittsburgh-based CERTIFIED FINANCIAL PLANNER and Certified Student Loan Professional with over 15 years of experience in the financial planning industry.
In 2023 he founded Etch Financial, a full-service financial planning firm the specializes in modern solutions for today’s complex financial world.
Known for his laid-back, “no ties ever” personality, Ryan focuses on financial, tax & retirement planning and is one of the nation’s top student loan experts.
Get Started in
3 Easy Steps
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Step 1:
Book an Intro Call. -
Step 2:
Check your e-mail. -
Step 3:
Relax.
Frequently Asked Questions
Not at all. We can work virtually via Zoom.
Not at all. I work with clients with and without student loans.
Yes. Since I’m a CFP® professional, I’m required to act as a fiduciary at all times. This means I must always act in your best interest.
Yes, we are registered with the Commonwealth of Pennsylvania. Our CRD# is 327021. Here’s our record on the SEC’s Investment Advisor Public Disclosure (IAPD) site.
Looking for a financial advisor who understands student loans?
You've come to the right place. I have a strong understanding of how your student loans impact your entire financial picture.
- Using your 401(k) to lower your payment.
- How Parent Plus loans impact your retirement.
- Managing your career based on forgiveness opportunties.
- How your tax filing status impacts your payment.
- What happens to your loans if you die or become disabled.
- & more!
