About Factor Financial

Fiduciary Retirement Planning That Helps You Retire Smarter—Without the Wall Street Shenanigans

Fiduciary Retirement Planning That Helps You Retire Smarter—Without the Wall Street Shenanigans

Retirement Planning Shouldn’t Feel Like a Sales Pitch

Retirement Planning Shouldn’t Feel Like a Sales Pitch

Most firms chase scale. We want substance.

At Factor Financial, we’re not trying to be the next household name. We’re not backed by Wall Street or pushing cookie-cutter products with a smile and a handshake.

We’re a Sacramento-based independent fiduciary built for one thing: helping people retire better—without compromise.

Most firms chase scale. We want substance.

At Factor Financial, we’re not trying to be the next household name. We’re not backed by Wall Street or pushing cookie-cutter products with a smile and a handshake.

We’re a Sacramento-based independent fiduciary built for one thing: helping people retire better—without compromise.

How Factor Started

How Factor Started

I spent years inside the machine—big firms, big promises, and even bigger fees. Sales goals masquerading as financial advice.

I didn’t leave to start another version of the same. I left to build the firm I’d want to hire—the one I’d trust with my parents' retirement.

I spent years inside the machine—big firms, big promises, and even bigger fees. Sales goals masquerading as financial advice.

I didn’t leave to start another version of the same. I left to build the firm I’d want to hire—the one I’d trust with my parents' retirement.

Image showing Factor Financial’s professional partners and collaborators. From left to right: Zach Chiara, CFP®, CRPC®, Founder, CEO, & Wealth Advisor at Factor Financial, wearing a suit and red tie; Altruist logo representing custodian, operations, and investment support; BlackRock logo for portfolio design and technology partnership; Encore Estate Planning logo for estate planning and document drafting; Vincere Tax and Block Advisors by H&R Block logo for tax strategy and preparation.

Meet the Founder

About Zach Chiara, CFP®

I started this firm because I was tired of representing a system I didn’t believe in.

Today, I run Factor Financial, host a retirement-focused YouTube channel, and work with a select number of clients who value long-term relationships and genuine advice.

Personally

When I’m not in the office, you’ll find me boxing, traveling, lifting weights, reading, or being overly competitive at a game of pickleball.

Image showing Factor Financial’s professional partners and collaborators. From left to right: Zach Chiara, CFP®, CRPC®, Founder, CEO, & Wealth Advisor at Factor Financial, wearing a suit and red tie; Altruist logo representing custodian, operations, and investment support; BlackRock logo for portfolio design and technology partnership; Encore Estate Planning logo for estate planning and document drafting; Vincere Tax and Block Advisors by H&R Block logo for tax strategy and preparation.

Meet the Founder

About Zach Chiara, CFP®

I started this firm because I was tired of representing a system I didn’t believe in.

Today, I run Factor Financial, host a retirement-focused YouTube channel, and work with a select number of clients who value long-term relationships and genuine advice.

Personally

When I’m not in the office, you’ll find me boxing, traveling, lifting weights, reading, or being overly competitive at a game of pickleball.

Image showing Factor Financial’s professional partners and collaborators. From left to right: Zach Chiara, CFP®, CRPC®, Founder, CEO, & Wealth Advisor at Factor Financial, wearing a suit and red tie; Altruist logo representing custodian, operations, and investment support; BlackRock logo for portfolio design and technology partnership; Encore Estate Planning logo for estate planning and document drafting; Vincere Tax and Block Advisors by H&R Block logo for tax strategy and preparation.

Meet the Founder

About Zach Chiara, CFP®

I started this firm because I was tired of representing a system I didn’t believe in.

Today, I run Factor Financial, host a retirement-focused YouTube channel, and work with a select number of clients who value long-term relationships and genuine advice.

Personally

When I’m not in the office, you’ll find me boxing, traveling, lifting weights, reading, or being overly competitive at a game of pickleball.

Credentials

Experience

Credentials

Experience

Credentials

Experience

What Makes Us Different.

What Makes Us Different.

What Makes
Us Different.

No cookie-cutter plans

No Cookie-Cutter Plans

Tax-efficient retirement income focus

Tax-efficient Retirement Income Focus

Personal relationship, not a call center

Personal Relationship, Not a Call Center

One firm that integrates it all

One Firm that Integrates it All

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Independent Fiduciary

Independent Fiduciary

We work for you. Not for Wall Street. Not for a product quota. 

We work for you. Not for Wall Street. Not for a product quota. 

Institutional Tools. Boutique Service.

Institutional Tools. Boutique Service.

We specialize in tax-efficient retirement income planning—not just investments. That means helping you turn your savings into sustainable income while minimizing taxes and protecting your legacy.

We specialize in tax-efficient retirement income planning—not just investments. That means helping you turn your savings into sustainable income while minimizing taxes and protecting your legacy.

Integrated, Not Fragmented

Integrated, Not Fragmented

Most “advisors” only manage your money. Through our Factor Framework™ we coordinate your lifestyle, income, investments, taxes, insurance, and estate planning—so you don’t have to. Because it all matters, and it all should work together.

Most “advisors” only manage your money. Through our Factor Framework™ we coordinate your lifestyle, income, investments, taxes, insurance, and estate planning—so you don’t have to. Because it all matters, and it all should work together.

Specialize In Tax-Efficient Retirement Income Planning

Specialize In Tax-Efficient Retirement Income Planning

We partner with the same research and tech used by the big players—but deliver it with the personal, high-touch service you deserve. No 1-800 numbers. No robo-advisors. Just real advice from someone who knows you.

We partner with the same research and tech used by the big players—but deliver it with the personal, high-touch service you deserve. No 1-800 numbers. No robo-advisors. Just real advice from someone who knows you.

Awards & Recognition

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Voted “Best Financial Planner for Early Retirees” – 2025

Featured in numerous finance and lifestyle publications

Awards & Recognition

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Voted “Best Financial Planner for Early Retirees” – 2025

Featured in numerous finance and lifestyle publications

Awards & Recognition

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Voted “Best Financial Planner for Early Retirees” – 2025

Featured in numerous finance and lifestyle publications

How is Factor Financial different from other firms?

Are you a fiduciary—and what does that actually mean?

Where is my money held?

What retirement planning services does Factor Financial provide?

What’s your investment philosophy?

How do you get paid?

How do I know you’re not Bernie Madoff?

How is Factor Financial different from other firms?

Most firms chase scale. We care about substance.
No product pitches. No recycled advice. What you get instead is thoughtful strategy—built for your lifestyle, your goals, and your legacy. You work directly with the CFP® professional who builds your plan (not someone who just read your file five minutes before the call).

Are you a fiduciary—and what does that actually mean?

Where is my money held?

What retirement planning services does Factor Financial provide?

What’s your investment philosophy?

How do you get paid?

How do I know you’re not Bernie Madoff?

How is Factor Financial different from other firms?

Our Partners

Our Partners

Altruist — a modern custodian platform providing streamlined investment account management, operations support, and back-office solutions for financial advisors.
BlackRock — global investment management firm partnering with Factor Financial for advanced portfolio design, market research, and technology-driven investment solutions.
BlackRock — global investment management firm partnering with Factor Financial for advanced portfolio design, market research, and technology-driven investment solutions.
Encore Estate Planning — specialists in estate planning, legal document drafting, and strategies to preserve and transfer wealth efficiently.
Encore Estate Planning — specialists in estate planning, legal document drafting, and strategies to preserve and transfer wealth efficiently.
Vincere Tax and Block Advisors by H&R Block — experts in tax strategy, preparation, and compliance, helping clients optimize returns and reduce tax liabilities.
Vincere Tax and Block Advisors by H&R Block — experts in tax strategy, preparation, and compliance, helping clients optimize returns and reduce tax liabilities.
Factor Financial works with Block Advisors to investmen related purposes
Factor Financial works with Block Advisors to investmen related purposes
Charles Schwab logo — Factor Financial partners with Charles Schwab for secure investment custody and retirement account management.
Advisor 123 logo — Factor Financial uses Advisor 123 to support compliance, reporting, and operational efficiency for retirement planning clients.
Simplify logo — Factor Financial relies on Simplify technology to streamline financial planning and improve client retirement outcomes.
Simplify logo — Factor Financial relies on Simplify technology to streamline financial planning and improve client retirement outcomes.

Want to See What it’s Like to Work With a Financial Planner Who Will Give It To You Straight?

Schedule an Explore Call — no pressure, no pitches. Just a conversation to see if we’re the right fit.

Book a Call

Want to See What it’s Like to Work With a Financial Planner Who Will Give It To You Straight?

Schedule an Explore Call — no pressure, no pitches. Just a conversation to see if we’re the right fit.

Book a Call

Want to See What it’s Like to Work With a Financial Planner Who Will Give It To You Straight?

Schedule an Explore Call — no pressure, no pitches. Just a conversation to see if we’re the right fit.

Book a Call

2281 Lava Ridge Ct, Suite 200, Roseville, CA 95661

©2025 Factor Financial. All Rights Reserved.

Resources

Contact

(916) 755-6447

2281 Lava Ridge Ct, Suite 200, Roseville, CA 95661

©2025 Factor Financial. All Rights Reserved.

Resources

Contact

(916) 755-6447

2281 Lava Ridge Ct, Suite 200, Roseville, CA 95661

©2025 Factor Financial. All Rights Reserved.

Resources