# Factor Financial

Factor Financial is an Asset Manager based in Chicago, United States.

## Overview

- **Organization type:** Asset Manager
- **Headquarters:** Chicago, United States
- **Region:** Europe
- **Address:** 2281 Lava Ridge Ct, Suite 200, Roseville, CA 95661, United States
- **Founded:** 1989
- **Assets under management:** Undisclosed
- **Website:** factorfp.com
- **LinkedIn:** https://www.linkedin.com/company/factor

## About

Factor is an SEC-registered investment adviser in Chicago, IL, registered since 1989. The firm manages $781 million in assets, $765 million on a discretionary basis. It has 7 employees and 4 investment advisers.

## People

- Zach Chiara — Founder, CFP®

## Questions

### How does Factor Financial charge for its services?

The firm is an independent fiduciary compensated directly by clients, not through product commissions or sales quotas. Its website states it does not push products and instead charges for advice. The specific fee schedule—whether asset-under-management fees, flat retainers, or hourly charges—is not itemized on the public site, but the structure is designed to eliminate the conflicts common in commission-based brokerage models.

### Who runs investment decisions at Factor Financial?

Zach Chiara, the founder and sole named CFP® professional on staff, is responsible for building and managing client plans. The firm emphasizes that clients work directly with the advisor who constructs their financial strategy. There is no investment committee, analyst team, or external investment consultant named in public disclosures.

### What is the Factor Framework™?

The Factor Framework™ is the firm’s proprietary five-step planning process that coordinates tax strategy, retirement income, investments, insurance, and estate planning. It is designed to unify these disciplines under one plan rather than leaving clients to manage multiple disconnected providers. The firm positions this integration as a direct alternative to advisors who only manage investment accounts without addressing tax or estate implications.

### Which custodian holds client assets?

The firm’s website asks and answers this question generically, stating that client money is held with a qualified third-party custodian, not by Factor directly. However, the specific custodian—such as Charles Schwab, Fidelity, or Pershing Advisor Solutions—is not named in publicly scraped materials.

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Last updated: 2026-06-03T20:00:00.000Z

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