In 2023, Ryan Galiotto founded Etch Financial after 15 years with a larger firm focused on retirement planning & small business retirement plan solutions. He works primarily with families approaching or living in retirement, especially those balancing college costs, student loans, and long-term planning decisions. Ryan is known for his calm, approachable style and ability to explain complex topics in plain English. His goal is simple: help people feel confident, informed, and supported. He has been featured in The Journal of Financial Planning (January 2020), Forbes.com, MarketWatch.com & other leading publications. He currently serves on the Loan Advisory Board for Forbes.com and leads a training program for financial advisors looking to implement student loan planning into their practices.