Etch Financial is a Pittsburgh, Pennsylvania-based financial planning firm that helps busy families make informed decisions as they approach retirement and manage competing financial priorities. Founded by Ryan S. Galiotto, CFP® and CSLP®, the firm puts retirement planning at the center of a coordinated financial strategy, connecting investments, taxes, education costs, and student loans in one plan.

Its services include retirement planning to help clients move from saving to spending, investment management with portfolios aligned to individual goals and timelines, and proactive tax planning. Etch Financial also provides college planning to help families fund education while protecting retirement plans and cash flow, along with student loan guidance on repayment, forgiveness, and refinancing options. Insurance and protection planning and employer retirement plan services are also offered.

For financial education, Etch University provides blogs, podcasts, guides, videos, and events focused on practical financial topics. The firm describes its approach as clear and coordinated, helping clients consider how major financial decisions affect one another.