ETCH Financial

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Client assets under management

$7,148,341

Clients

23% high-net worth

Advisors

of 2 employees

Firm type

Supported

1-3 advisors or $200M+ in AUM

Clients per advisor

Very Low

Average account size

$183,291

About

Etch Financial is a fee-only registered investment adviser that works primarily with individual clients, including high-net-worth households, and with employer plan sponsors. The firm offers discretionary and non‑discretionary portfolio management, comprehensive financial planning, and retirement plan consulting.

The firm builds individualized investment policies and asset-allocation targets and combines passive and active vehicles—mutual funds, ETFs, and individual securities—based on clients’ goals, tax considerations, and risk tolerance. Financial planning is integrated with investment management and, where relevant, clients may access college and student‑loan planning through affiliated education and student‑loan advisory services.

Distinctive features include a small, recently established advisory team managing modest assets relative to many supported peers, and a practice model that emphasizes both ongoing monthly planning and project-based engagements alongside investment management for smaller accounts. The firm’s principals maintain specialized student‑loan and college‑planning activities and professional credentials and provide ERISA fiduciary retirement‑plan consulting, a combination that is less common among similarly sized advisory firms.

Client services

Financial planning Portfolio management Pension consulting

Expertise

Student loan debt Business exit / sale strategy College savings (529s, UTMA, etc.)

Occupation focus

Founder/Business Owner Educators, Teachers, and Academics Self-Employed

Demographic focus

Mid-Career Professionals HENRY (High Earners, Not Rich Yet)

Fee options

Fixed

Initial financial plan fee up to $2,500; Project-Based Financial Planning fixed fees range from $250 to $10,000.

Percentage

$0 - $1,000,000: 1.00% $1,000,001 - $2,000,000: 0.75% $2,000,001 - $3,000,000: 0.65% $3,000,001+: 0.55%

Project-based

Project-Based Financial Planning Services hourly rate is $250.

Subscriptions

Ongoing Financial Planning Services charged as recurring fixed fees typically $200 to $500 per month.

Other

Fee-only: EF is a fee-only firm; compensation is only from clients for advisory services.

Main office location

ETCH Financial

South Park PA, United States

Number of offices

Most active in

Pennsylvania

Disclosures

Business activities & affiliations

Is not active or affiliated with:

Insurance agent

They sell insurance products and may earn commissions on those sales.

Broker-dealer / trader

They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.

Bank

They're affiliated with a bank that may offer its own financial products and services.

Trust company

They provide trust and estate administration services, typically for separate fees.

Fund sponsor

They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.

Accountant / CPA / tax prep

They offer tax and accounting services, typically for separate fees.

Lawyer

They provide legal services, typically billed separately.

Real estate agent

They facilitate real estate transactions and may earn commissions.

Other specialized services

They may provide services such as pension consulting or municipal advisory work, typically for separate fees.

Forms ADV

Form ADV Part 2: Client Brochure

Quick links

Facebook X Instagram Website (412) 530-6977

Advisors at this firm

Ryan G

CFP®, Series 63, Series 66

South Park, PA

ETCH Financial

Ryan Galiotto is a CFP® with 15 years of industry experience, currently serving at ETCH Financial. His prior roles include work at SmartPath Advisors, LLC and Fields Financial Services. Outside of advising, he is co-owner of a craft beer microbrewery and provides coaching on student loan repayment strategies through his own consulting business. ETCH Financial is a fee-only registered investment adviser that serves individual clients, including high-net-worth households, and employer plan sponsors. The firm offers tailored portfolio management and comprehensive financial planning, integrating passive and active investment vehicles with specialized student-loan and retirement plan consulting.

Student loan debt Business exit / sale strategy College savings (529s, UTMA, etc.) Founder/Business Owner Educators, Teachers, and Academics Self-Employed Mid-Career Professionals HENRY (High Earners, Not Rich Yet)

Donald S

Series 65, Series 66

South Park, PA

ETCH Financial

Donald Slone is a financial advisor at ETCH Financial with Series 65 and Series 66 credentials and several years of experience in the industry. His prior roles include positions at Vagabond Cruises, Fiduciary Financial Advisors, Ivy Bridge Planning, Leetown Advisors, Capstone Wealth Partners, and Captain Derek's Dolphin Adventure. He has also been affiliated with Georgia Southern University since 2015. ETCH Financial is a fee-only registered investment adviser serving primarily individual clients, including high-net-worth households, and employer plan sponsors. The firm offers integrated financial planning and investment management, combining passive and active investment vehicles tailored to clients’ goals, tax considerations, and risk tolerance.

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