Factor Financial

Factor Financial LLC is a small, independent registered investment adviser that provides discretionary wealth management and project‑based financial planning to individual and high‑net‑worth clients. The firm offers ongoing portfolio management across common asset types (stocks, bonds, mutual funds, ETFs and cash equivalents) and coordinates planning for retirement, college, business, cash‑flow, insurance, and estate goals, with the option to refer or partner with third‑party professionals for tax preparation and document services.

The firm’s investment process emphasizes asset allocation and Modern Portfolio Theory, blending passive and active funds and using fundamental and technical analysis where appropriate; it may subscribe client accounts to model portfolios through a model marketplace and engage outside managers. Accounts are managed on a discretionary basis, tailored to client objectives and risk tolerance, and reviewed periodically (with semi‑annual reviews noted in the brochure).

Distinctive features disclosed in the firm’s Form ADV include an affiliated insurance agency under common control and the fact that certain firm personnel are licensed insurance agents who may receive commissions for insurance sales, which the brochure identifies as a potential conflict of interest. The adviser also describes partnerships with third‑party tax preparers and estate‑document providers to offer ancillary services for separate fees, operates as a solo advisor serving roughly a dozen clients with about $15 million in assets, and discloses specific trading and custodial arrangements (including use of a model marketplace and a stated practice not to aggregate client trades).