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.
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.
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.
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
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
2281 Lava Ridge Ct, Suite 200, Roseville, CA 95661
©2025 Factor Financial. All Rights Reserved.
Resources
2281 Lava Ridge Ct, Suite 200, Roseville, CA 95661
©2025 Factor Financial. All Rights Reserved.
Resources