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Credentials
CFP®, Series 66
Experience Industry experience
5 years
Location
Lava Ridge, CA
Factor Financial
Independent
Total advisors
1Clients per advisor
12 TypicalAvg AUM per client
$1,266,462 HighHNW client ratio
58% HighZachary Chiara is a CFP® professional with four years of experience in financial advising, currently the sole advisor at Factor Financial LLC. His prior roles include positions at U.S. Bancorp Investments, Bank of America, Merrill, and Thrivent Investment Management. In addition to his advisory work, he is involved with Factor Insurance Solutions as a licensed insurance agent. Factor Financial LLC is an independent registered investment adviser serving individual and high-net-worth clients with discretionary wealth management and project-based financial planning. The firm employs a blend of passive and active investment strategies based on asset allocation and Modern Portfolio Theory, offering tailored portfolio management and coordinating comprehensive financial planning services.
Based on Factor Financial
Initial financial planning fee up to $10,000; Project-Based Financial Planning fixed fees range from $2,500 to $10,000
$0 - $1,000,000: 1.00% $1,000,001 - $3,000,000: 0.75% $3,000,001 - $5,000,000: 0.50% $5,000,001+: 0.25%
Minimum fee: Minimum annual fee of $6,000 for Wealth Management Services, may be reduced or waived at advisor's discretion
Lava Ridge, CA
Lava Ridge CA
Advisors at this office
1
California
5 years of industry experience
Factor Insurance Solutions
2025 - Present • 1 year
Roseville, CA
Analog Capital Partners LLC
2025 - 2025 • 1 year
Citrus Heights, CA
Factor Financial LLC
2025 - Present • 1 year
Sacramento, CA
U.S. Bancorp Investments, Inc.
2023 - 2025 • 2 years
Knoxville, TN
Bank of America N.A.
2022 - 2023 • 1 year
Roseville, CA
Merrill
2022 - 2023 • 1 year
Roseville, CA
Thrivent Investment Management Inc
2020 - 2022 • 2 years
Roseville, CA
Full Time Student - Sierra College
2020 - 2021 • 1 year
Rocklin, CA
V3 Electric
2019 - 2020 • 1 year
El Dorado Hills, CA
Sabbatical
2019 - 2020 • 1 year
Citrus Heights, CA
9Round
2019 - 2019 • 1 year
Citrus Heights, CA
Sabbatical
2018 - 2019 • 1 year
Citrus Heights, CA
Alaska Zipline Adventures
2018 - 2018 • 1 year
Juneau, AK
Haney Biz Marketing
2018 - 2018 • 1 year
Rocklin, CA
Sabbatical
2017 - 2017 • 1 year
Citrus Heights, CA
School
2010 - 2017 • 7 years
Citrus Heights, CA
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Is not active or affiliated with:
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
Bank
They're affiliated with a bank that may offer its own financial products and services.
Trust company
They provide trust and estate administration services, typically for separate fees.
Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
Lawyer
They provide legal services, typically billed separately.
Real estate agent
They facilitate real estate transactions and may earn commissions.
Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
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