Retirement decisions, made clear.
A virtual-first firm built to see your full financial life clearly and plan for retirement.
Every retirement decision should support the life you want for years ahead.
We’re retirement planning specialists.
Most advisors are built for the years when you’re accumulating. Retirement is a different job: spending from what you’ve saved while balancing taxes, investments, healthcare, and the goals that matter. That’s the system we design.
Built for retirement’s next decisions.
The strategies that built your wealth are only part of the picture now. We bring spending, taxes, investments, and risk into a plan for the life you want.
Everything works from one plan.
Income, investments, taxes, estate, and healthcare, coordinated by specialists, not scattered across five people you have to manage yourself.
Nothing here locks you in.
No long-term contract, fees billed monthly in arrears, and you can leave anytime. We’d rather keep earning your business.
Hey there, I’m Zach Chiara, CFP®.
I started Factor Financial because I wanted to build the kind of firm I would choose myself: independent, personal, and built around your full financial life. So I created a planning experience specifically for the retirement years.
Today I work with a select number of households who value long-term relationships and genuine advice, helping people in and near retirement make the decisions that matter with clarity and confidence.
Away from the work, you’ll find me boxing, traveling, lifting weights, reading, or being overly competitive at a game of pickleball.
Not just one person.
Behind your plan is a coordinated group of specialists, working from one strategy, not five separate silos you have to manage.
Partners are independent service providers, not employees of Factor unless noted. Factor is not compensated by partners except as disclosed.
Virtual-first, serving clients nationwide.
We’re virtual by design, so you work with us from anywhere, with no drive to an office.
Meet with us from anywhere
Our home base
Let’s have a quick chat about your retirement plan.
A relaxed, no-pressure conversation to see where you stand and whether working together makes sense.
