These 3 Mistakes
Derail Most Retirements.
Learn how to avoid them in our free 6-day email course
These 3 Mistakes
Derail Most Retirements.
Learn how to avoid them in our free 6-day email course
These 3 Mistakes
Derail Most Retirements.
Learn how to avoid them in our free 6-day email course
Fiduciary Financial Advice for the Modern Retiree
Everything You Need for a Confident Retirement– All in One Place.
Book a Call
Fiduciary Financial Advice for the Modern Retiree
Everything You Need for a Confident Retirement– All in One Place.
Book a Call
Fiduciary Financial Advice for the Modern Retiree
Everything You Need for a Confident Retirement– All in One Place.
Book a Call
What We Do
You don’t need another product pitch. You need a tax-efficient income plan that turns your savings into a confident lifestyle.
Because a cookie-cutter 60/40 portfolio and a spinning probability wheel just aren’t enough anymore.
We help retirees and near-retirees with $1M+ saved:
Save $500k (or more) in unnecessary taxes
Build a paycheck for retirement that lasts as long as you do
Invest with intention, designing portfolios around your actual cash flow needs.
Book a Call
What We Do
You don’t need another product pitch. You need a tax-efficient income plan that turns your savings into a confident lifestyle.
Because a cookie-cutter 60/40 portfolio and a spinning probability wheel just aren’t enough anymore.
We help retirees with $1M+ save:
Save $500k (or more) in unnecessary taxes
Build a paycheck for retirement that lasts as long as you do
Invest with intention, designing portfolios around your actual cash flow needs.
Book a Call
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. He is available and follows through which is an additional bonus. Thank you Factor Financial!
Kathy S.
Zach is a breath of fresh air in what feels like an overwhelming world of conflicting financial advice. As a business owner, I don't have a cookie-cutter situation and the level of expertise and personalization was incredible. I highly recommend anyone who wants that family office feel and level quality of service to look into Factor Financial.
Joe R.
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. He is available and follows through which is an additional bonus. Thank you Factor Financial!
Kathy S.
Zach is a breath of fresh air in what feels like an overwhelming world of conflicting financial advice. As a business owner, I don't have a cookie-cutter situation and the level of expertise and personalization was incredible. I highly recommend anyone who wants that family office feel and level quality of service to look into Factor Financial.
Joe R.
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.
Factor Financial Has been featured in
Factor Financial Has been featured in
Our Unfair Advantage
Most large firms want scale. We want results.
We’re not part of some big-box advisory firm. This isn’t a call center, and you’re not a case number. You’ll work with the advisor who actually builds your plan—no handoffs, no hidden agendas.
We’re small by design—so we can go deeper, plan smarter, and actually care.
Headquartered in Sacramento, CA, we work virtually with clients nationwide—delivering institutional capabilities with boutique-level service. No cookie-cutter plans. No recycled advice. Just thoughtful strategy, built around your life, your goals, and your money.
That’s our unfair advantage. And if you’re retired (or close), it should be yours too.
Book a Call
Proactive, Personalized Fiduciary Advice
Tax-Efficient Withdrawal & Roth Conversion Strategy
Dynamic Retirement Income Planning
Estate Planning (Including Trusts & Wills)
Evidence-Based Investment Management
Meet From the Comfort of Your Home
Portfolio Guardrails for Market Volatility
Tax Planning, Prep & Filing
The Other Guys
DIY & Robo Advisors
Our Unfair Advantage
Most large firms want scale. We want results.
We’re not part of some big-box advisory firm. This isn’t a call center, and you’re not a case number. You’ll work with the advisor who actually builds your plan—no handoffs, no hidden agendas.
We’re small by design—so we can go deeper, plan smarter, and actually care.
Headquartered in Sacramento, CA, we work virtually with clients nationwide—delivering institutional capabilities with boutique-level service. No cookie-cutter plans. No recycled advice. Just thoughtful strategy, built around your life, your goals, and your money.
That’s our unfair advantage. And if you’re retired (or close), it should be yours too.
Book a Call
Proactive, Personalized Fiduciary Advice
Tax-Efficient Withdrawal & Roth Conversion Strategy
Dynamic Retirement Income Planning
Estate Planning (Including Trusts & Wills)
Evidence-Based Investment Management
Meet From the Comfort of Your Home
Portfolio Guardrails for Market Volatility
Tax Planning, Prep & Filing
The Other Guys
DIY & Robo Advisors
Our Unfair Advantage
Most large firms want scale. We want results.
We’re not part of some big-box advisory firm. This isn’t a call center, and you’re not a case number. You’ll work with the advisor who actually builds your plan—no handoffs, no hidden agendas.
We’re small by design—so we can go deeper, plan smarter, and actually care.
Headquartered in Sacramento, CA, we work virtually with clients nationwide—delivering institutional capabilities with boutique-level service. No cookie-cutter plans. No recycled advice. Just thoughtful strategy, built around your life, your goals, and your money.
That’s our unfair advantage. And if you’re retired (or close), it should be yours too.
Book a Call
Proactive, Personalized Fiduciary Advice
Tax-Efficient Withdrawal & Roth Conversion Strategy
Dynamic Retirement Income Planning
Estate Planning (Including Trusts & Wills)
Evidence-Based Investment Management
Meet From the Comfort of Your Home
Portfolio Guardrails for Market Volatility
Tax Planning, Prep & Filing
The Other Guys
DIY & Robo Advisors
What to Expect From Us.
Step 1: Introduction
Start with an Explore Call to see what working with Factor Financial looks like—and whether it’s the right fit for you.
Step 2: Factor Framework™
Our 5-step process to create a tax-smart retirement plan that works.
Step 3: Ongoing Service
We actively manage and fine-tune your retirement plan with regular check-ins—so you stay on track, no matter what life (or the market) throws your way.
What to Expect From Us.
Step 1: Introduction
Start with an Explore Call to see what working with Factor Financial looks like—and whether it’s the right fit for you.
Step 2: Factor Framework™
Our 5-step process to create a tax-smart retirement plan that works.
Step 3: Ongoing Service
We actively manage and fine-tune your retirement plan with regular check-ins—so you stay on track, no matter what life (or the market) throws your way.
What to Expect From Us.
Step 1: Introduction
Start with an Explore Call to see what working with Factor Financial looks like—and whether it’s the right fit for you.
Step 2: Factor Framework™
Our 5-step process to create a tax-smart retirement plan that works.
Step 3: Ongoing Service
We actively manage and fine-tune your retirement plan with regular check-ins—so you stay on track, no matter what life (or the market) throws your way.
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).
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?
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).
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