Etch Financial

We’re continuing our Meet the Team Series with Macy Fetzer!

With 10+ years of customer service experience, Macy is passionate about making sure our clients feel supported, heard, and taken care of. She also helps keep the Etch Financial community connected through social media, bringing our team, our work, and our story to life online!

When she’s not working, Macy is a mom of three, married to her high school sweetheart, and an active-duty military spouse!

We’re so happy to have Macy on Team Etch!

Retirement planning isn’t just about hitting a certain number.

For many families, the years leading up to retirement also happen to be the years when college costs are at their highest.

That means answering questions like:

Can I retire when I want to?

Where will my income come from once the paychecks stop?

How much can we afford to contribute toward college?

How do we help our kids without sacrificing our own future?

And what should we be doing about taxes, healthcare, Social Security, and student loans?

At Etch Financial, we help bring all these pieces together so you can support your family today while still building the retirement you want tomorrow.

Clarity for the current. Confidence for what’s next.

Ryan was back at his alma mater high school, Belle Vernon Area, talking college and student loan planning to the district’s teachers.

It’s hard to believe but it’s been 24 years since he’s been in that building!

Do you want to bring us to your organization to talk to your people? We love employee events!

Meet the Team — Part 2: Jason Slone!

Next up in our Meet the Team series is Jason, Wealth Advisor at Etch Financial!
Jason became a financial advisor in 2008 and has spent his career helping families navigate college and retirement planning. But there’s more to Jason than financial planning—he’s a proud dad of three, a boat captain, and even plays guitar in a Jimmy Buffett band!

We’re excited for you to get to know the people behind Etch Financial. Stay tuned for the next member of our team!

A growing team means a new office!

We are now in Upper St Clair at 1200B Boyce Road, Pittsburgh PA 15241.

Meet the faces behind Etch Financial!

We're kicking off our Meet the Team series with our founder, Ryan Galiotto.

With 17 years in the financial planning industry, Ryan started Etch Financial with a simple goal: helping people make confident financial decisions with a plan that's built around them. Today, we're growing, expanding our team, and excited for what's ahead.

Swipe through to learn a little more about Ryan! Stay tuned as we introduce the rest of the team over the coming weeks!

Happy Monday!

We’ve been a little quiet lately... but for a good reason! We’ve been busy behind the scenes moving into our new office and growing the Etch team.

We have some exciting news to share later this week, and I can’t wait to finally tell you about it.

In the meantime, we’re still here and ready to help. If you need anything, just give us a call or send us an email!

Retirement planning has changed.

Longer retirements. No pension. College costs hitting at the worst possible time. Some clients carrying student loans into their 50s.

Has your retirement plan kept up?

At Etch, we plan for the retirement that actually exists.

Join Ryan and Jason for Retirement Rewritten, a free online educational webinar where we'll introduce the 6 Pillars of Modern Retirement Planning, a new playbook designed for today's retirement reality.

Learn how to build a plan around your income, investments, taxes, healthcare, legacy goals, and college & student loan decisions so you can retire with clarity and confidence.

Registration link is in the comments!

A lot of people think retirement planning is just about investments.

In reality, the families we work with are trying to figure out questions like:

• Can we retire before Medicare?
• Should we take Social Security now or later?
• How much can we safely spend?
• What happens if one spouse passes away?
• Will helping our kids hurt our retirement?

A good retirement plan connects all of those moving pieces together.

Investments matter.

But retirement is bigger than your portfolio.

Federal student loan interest rates (for new loans issued after July 1, 2026) are going up!

The new rates:
- Undergraduate Direct Subsidized and Unsubsidized Loans: 6.52%
- Graduate Unsubsidized Loans: 8.07%
- Graduate & Parent PLUS Loans: 9.07%

Keep in mind that federal student loan interest rates are reset annually and are tied to the May auction of the 10-year Treasury note. However, once your loan is disbursed, your loan interest rate is fixed for life.