Etch Financial is a modern financial planning firm built for families who are juggling more than ever — retirement on the horizon, rising college costs, lingering student loans, taxes, investments, and aging parents all at once.

We help you see how it all fits together.

Founded by Ryan Galiotto, CFP®, CSLP®, Etch was created after more than a decade inside a large national broker/dealer, where Ryan helped hundreds of families retire with confidence. Over time, he saw a growing gap: families were making college and student loan decisions that quietly undermined their long-term retirement security. Etch was built to solve that problem.

Today, we integrate retirement planning, investment management, tax-aware strategy, college planning, and student loan expertise into one coordinated plan — delivered with modern technology, virtual flexibility, and clear communication. No jargon. No binders collecting dust. Just thoughtful planning designed around real life.

Because financial clarity isn’t about complexity.

It’s about helping you feel organized, confident, and fully in control of your future.