Tax-smart retirement planning for travel-loving early retirees.

Tax-smart retirement planning for travel-loving early retirees.

Retire Early, Travel More

Retire Early, Travel More

Maximize Retirement Income

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Reduce Your Taxes

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Optimize Your Investments

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Do You Struggle With Questions Like…

➤ How do I turn my portfolio into a reliable income stream?

➤ How can I reduce my taxes in retirement?

➤ How should I be invested to ensure my money lasts, without taking unnecessary risk?

➤ How do I plan for healthcare before Medicare?

We Have Your Answers.

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From retirement income planning to healthcare, we handle the heavy lifting so you can focus on what matters most—creating memorable experiences.

Retire With Confidence

Ensure Your Money Lasts

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We design tailored portfolios ensuring your wealth is working as hard as possible for you, without taking unnecessary risk— so you can take that next vacation in peace.

With tax-smart strategies to reduce your lifetime tax bill, we help you free up more cash flow for your adventures— because nobody likes leaving Uncle Sam a tip.

Win The Tax Game

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How It Works

Step 1 —

Learn how we can help you create tax-efficient income, invest smarter, and lower your taxes in retirement.

Get Your Free Early Retirement Blueprint

Step 2 —

We handle the heavy lifting so you can enjoy your early retirement, and focus on the things you love.

Take Action With Your Tailored Blueprint In Hand

Step 3 —

If you decide to become a client, we’ll begin the process of implementing your blueprint together through The Factor System.

Personalized Ongoing Advice.

Expertise That Understands You

As a lifestyle-focused Certified Financial Planner™, we provide guidance for those who value experiences over routine. At Factor Financial, we believe your wealth should serve as the foundation for a life without limits. You’ve worked hard to achieve financial independence, now it’s time to enjoy the freedom, adventure, and experiences you’ve earned. With expertise from a fee-only financial planner in tax planning, retirement planning, and investment management, we specialize in helping early retirees like you turn your wealth into a fulfilling lifestyle. Whether that means exploring new corners of the world, spending more time with loved ones, or simply being able to live life on your terms. Here’s how it works: Schedule a free explore meeting with our founder Zach Chiara. Share your vision. Let us craft the financial plan that makes it all possible. Read More

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Cookie-Cutter Advice

No cookie-cutter advice, only real solutions tailored to your needs.

CFP® Fiduciary

As a CERTIFIED FINANCIAL PLANNER™, we always act in your best interest.

Fee-Only

No product sales, no BS, just honest advice. We work for you and only you.

[FREE Guide] 7 Biggest Mistakes To Avoid When Hiring A Financial Advisor

The 7 biggest mistakes almost EVERY travel-loving early retiree makes, and exactly how to avoid them. If you’re not careful, these can have a devastating effect on the success of your early retirement. After all, the Advisor you choose to hire is one of the most important retirement decisions you will make.

FAQs

  • Whether its helping you create tax-efficient retirement income, pay less in taxes, optimizing your investments to support your lifestyle, or planning for healthcare before Medicare, we ensure your wealth is working as hard as possible for you, so you can focus on what matters most - living your ideal retirement lifestyle!

    A summary of everything we provide is listed below:

    • Retirement Planning

    • Cash Flow Planning

    • Insurance Planning

    • Estate Planning

    • Investment Management

    • Tax Planning

  • We do our best work for travel-loving early retirees (or those within 5 years of it), with a net worth of $2 million or more, or at least $1 million in investible assets. They value professional advice and would rather outsource the day to day intricacies of retirement to a trusted partner so they can focus on making the most of their early retirement and enjoy living their ideal lifestyles.

  • We require an initial investment of $1500 to onboard you as a client and begin implementing your retirement plan.

    For ongoing advice after we create your initial plan (it is optional to proceed with ongoing advice), we charge a fee based on a percentage of the investments we manage:

    -1% on the first $1,000,000 we manage

    -0.75% between $1,000,000 and $2,000,000

    -0.50% between $2,000,000 and $3,000,000

    -0.25% on amounts above $3,000,000

  • Yes, Factor Financial is a fiduciary fee-only financial planner. Which means we work for you and only you. No hidden fees, just honest advice tailored to your needs. You can learn more about why our founder, Zach Chiara, CFP®, decided to take this approach here.

  • Yes, we have clients nationwide and as a virtual financial planning firm, we are able to serve our clients from the comfort of wherever they are.