# Ryan Galiotto

> Ryan Galiotto is a fee-only financial advisor at Etch Financial in Pittsburgh, Pennsylvania, who holds the CFP credential. Ryan focuses on retirement planning, student loans and tax planning. Etch Financial reports charging a percentage of assets, hourly fees and fixed fees on its Form ADV.

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

## Facts

- **Firm:** Etch Financial
- **Based in:** Pittsburgh, Pennsylvania
- **Fee model (firm's Form ADV):** Percentage of assets; Hourly; Fixed fees
- **Accepting new clients:** Yes (firm's website)
- **Assets under management (firm):** $14.1M across 45 accounts
- **Credentials:** CFP
- **Specialties:** Retirement planning, Student loans, Tax planning
- **CRD:** 5745545 (https://adviserinfo.sec.gov/individual/summary/5745545)
- **SEC registration:** Investment adviser representative in GA, PA
- **Exams passed:** Series 63 (2011), Series 66 (2015)
- **Firm size:** 2 employees
- **Disclosures:** None reported
- **Website:** http://www.etchfinancial.com/

## Frequently asked questions

### Is Ryan Galiotto a fee-only financial advisor?

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

### How does Ryan charge for financial advice?

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

### Where is Ryan Galiotto based?

Ryan Galiotto is based in Pittsburgh, Pennsylvania.

### What does Ryan specialize in?

Ryan's specialties include retirement planning, student loans and tax planning.

### What credentials does Ryan Galiotto hold?

Ryan Galiotto holds the CFP credential.

### Is Ryan Galiotto registered with the SEC?

Yes. Ryan Galiotto is registered as an investment adviser representative in GA and PA (CRD 5745545), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.

### How much does Etch Financial manage?

Etch Financial reports $14.1M across 45 accounts in assets under management.

### How do I contact Ryan Galiotto?

Through Ryan's website, www.etchfinancial.com.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/5745545): 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://etchfinancial.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.