Our Process
The Factor Framework™
Our Process
The Factor Framework™
Our Process
The Factor Framework™
There Are Many Factors to a Great Retirement Plan.
Retirement is too important for oversimplified models, portfolio-first thinking, or one-size-fits-all advice.
That’s why we use our Factor Framework™—designed to give you clarity, confidence, and control in your retirement.
We focus on 5 key areas that—when aligned—can dramatically improve your income, security, and peace of mind. Because a great retirement doesn’t happen by accident—it’s engineered with intention.
Resulting in 3 Core Outcomes:
Wealth Protection Growth Stradegy
Tax Optimization Plan
Sustainable Income Plan
Our Planning Process
You Become a client here
Introduction
Factor Framework™
Ongoing Support
There Are Many Factors to a Great Retirement Plan.
Retirement is too important for oversimplified models, portfolio-first thinking, or one-size-fits-all advice.
That’s why we use our Factor Framework™—designed to give you clarity, confidence, and control in your retirement.
We focus on 5 key areas that—when aligned—can dramatically improve your income, security, and peace of mind. Because a great retirement doesn’t happen by accident—it’s engineered with intention.
Resulting in 3 Core Outcomes:
Wealth Protection Growth Stradegy
Tax Optimization Plan
Sustainable Income Plan
Our Planning Process
You Become a client here
Introduction
Factor Framework™
Ongoing Support
There Are Many Factors to a Great Retirement Plan.
Retirement is too important for oversimplified models, portfolio-first thinking, or one-size-fits-all advice.
That’s why we use our Factor Framework™—designed to give you clarity, confidence, and control in your retirement.
We focus on 5 key areas that—when aligned—can dramatically improve your income, security, and peace of mind. Because a great retirement doesn’t happen by accident—it’s engineered with intention.
Resulting in 3 Core Outcomes:
Wealth Protection & Growth Strategy
Tax Optimization Plan
Sustainable Income Plan
Our Planning Process
You Become a client here
Introduction
Factor Framework™
Ongoing Support
Zach was patient and understanding. He related to us the way we wanted and scheduled enough meetings to thoroughly be sure we covered everything. Highly recommend him and Factor Financial.
Zach was patient and understanding. He related to us the way we wanted and scheduled enough meetings to thoroughly be sure we covered everything. Highly recommend him and Factor Financial.
Ben H.
We have found that Zach has proven himself to be competent, trustworthy and straightforward. He has walked us through very new teritory with patience and skill. He has helped us move from fear of the unknown and being safely stuck to wisely moving forward, knowing we are in very good hands today and for our future needs.
We have found that Zach has proven himself to be competent, trustworthy and straightforward. He has walked us through very new teritory with patience and skill. He has helped us move from fear of the unknown and being safely stuck to wisely moving forward, knowing we are in very good hands today and for our future needs.
Kathy S.
Kathy S.
Google Reviews
5/5
Our Planning Process
What to Expect From Us.
Our 5-step process to create a tax-smart retirement plan that works.
Discovery
Discovery
Discovery
Phase 1: Income
Phase 1: Income
Phase 1: Income
Phase 2: Investments
Phase 2: Investments
Phase 2: Investments
Phase 3: Taxes
Phase 3: Taxes
Phase 3: Taxes
Phase 4: Security
Phase 4: Security
Phase 4: Security
Implement, Monitor & Adjust.
Your plan doesn’t end at implementation.
We meet twice a year to review your income, investments, taxes, and goals. In between, we proactively monitor and fine-tune everything as life (or the market) changes.
Because life isn’t static—and your retirement plan shouldn’t be either.
Fall Meeting
Unlimited Email & Virtual Support
Spring Meeting
Implement, Monitor & Adjust.
Your plan doesn’t end at implementation.
We meet twice a year to review your income, investments, taxes, and goals. In between, we proactively monitor and fine-tune everything as life (or the market) changes.
Because life isn’t static—and your retirement plan shouldn’t be either.
Fall Meeting
Unlimited Email & Virtual Support
Spring Meeting
Implement, Monitor & Adjust.
Your plan doesn’t end at implementation.
We meet twice a year to review your income, investments, taxes, and goals. In between, we proactively monitor and fine-tune everything as life (or the market) changes.
Because life isn’t static—and your retirement plan shouldn’t be either.
Fall Meeting
Unlimited Email & Virtual Support
Spring Meeting
Zach has provided us excellent service and explains everything he does with great clarity. We appreciate his fresh insight during the ups and downs of the market!
Barry M.
Zach has provided us excellent service and explains everything he does with great clarity. We appreciate his fresh insight during the ups and downs of the market!
Barry M.
Zach has provided us excellent service and explains everything he does with great clarity. We appreciate his fresh insight during the ups and downs of the market!
Barry M.
Here's what people are asking.
Here's what people are asking.
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).
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?
A Better Retirement Starts With a Conversation
Book a Call
We work best with people who:
Are retired or within 5 years of it
Have saved between $1–5 million
Hate taxes, love income
Value expert advice and prefer to delegate the complexity of retirement planning
A Better Retirement Starts With a Conversation
Book a Call
We work best with people who:
Are retired or within 5 years of it
Have saved between $1–5 million
Hate taxes, love income
Value expert advice and prefer to delegate the complexity of retirement planning
A Better Retirement Starts With a Conversation
Book a Call
We work best with people who:
Are retired or within 5 years of it
Have saved between $1–5 million
Hate taxes, love income
Value expert advice and prefer to delegate the complexity of retirement planning
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