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Factor Financial

Factor Financial. CRD 333597

F

CRD: 333597

Factor Financial

Lava Ridge, CA
9167556447
www.factorfp.com
$15.2M Total AUM
$14.0M Disc. AUM
-- 3Y CAGR
1 Employees
14 ADV. Clients
1 yrs Firm Age

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Firm Details

Custodian
Altruist · Charles Schwab & Company
Clients
Retail
Platforms
Pioneer horizonSummit optima +more
Established Date
01-07-2025
Office Locations
1

Office Locations

-- -- --

About Factor Financial

Factor Financial is a Sacramento-based, virtual fiduciary RIA serving retirees and near-retirees (typically $500k+ saved) nationwide. Led by CFP® founder Zachary Chiara, the firm delivers tax-efficient retirement income planning—including withdrawal strategy and Roth conversions—plus ongoing financial planning, tax prep/filing, estate planning coordination, and evidence-based portfolio management built around cash-flow needs. Custody is through Altruist and Charles Schwab.

Team overview

-- AVG AGE
$15.2M AVG AUM / ADVISOR
$1.1M AVG AUM / CLIENT
1.4 yrs AVG TENURE
1 Employees
1 Advisory Reps
1 RIA Reps
1yrs Firm Age

Insights

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Asset Classes

Harbor radial

Client Personas

Alpha radial

Custodian

Bridge Atlas Horizon element Timber Ember pioneer Insight

Fund Managers

Bridge foundation

Investment Themes

Summit Vertex Ember beacon

Investment Vehicles

Ember

Services

Peak Eagle Zenith Summit crest Catalyst Frontier Zenith Oak glacier

Technology

Vector insight Ember Quantum

Owner & Executives

Z

Zachary Edward Chiara

Chief Compliance Officer, FOUNDER

CRD
#7259006
Ownership
75% or more
(426) 882-6184
alpha.element@fusioncapital.com
in linkedin.com/in/atlas-fusion

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Contacts

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Assets Under Management

Total AUM
Discretionary
Non-Discretionary

No AUM history available

Category Assets AVG. Account size
Discretionary $14,010,569 --
Non-Discretionary $1,186,979 --
Total $15,197,548 --

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Separately Managed Accounts

Total SMA Asset: $15,197,548

$15.2M Total SMA
Public Funds:
29.3%
Equity - Exchange:
19.0%
Cash:
32.2%
Other:
19.5%
Asset class Assets Assets %
Public Funds $2,498,610,552 29.3%
Equity - Exchange $1,620,259,402 19.0%
Cash $2,745,913,303 32.2%
Other $1,662,897,808 19.5%
Total $8,527,681,065 100.0%

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