Born out of an idea of a better way, Factor has set out to change the financial planning industry. Fee-Only, Independent. No BS. In other words, we work for you and only you.

Picture of Factor Financials founder, Zach Chiara, CFP®

Hey! I’m Zach, and after years of frustration working for various Fortune 500 companies, I made the decision to go out on my own with a mission to provide a better experience for my clients and the industry as a whole. Factor is not your traditional advisor, we’re a lifestyle focused CERTIFIED FINANCIAL PLANNER™ for people value experiences over routine.

A professional headshot of Zach Chiara, CFP®

Here’s A Slightly More Professional Photo Of Me

I’m dedicated to helping people make smart, life-centered financial decisions that align with their goals and dreams. At Factor Financial, I run a modern, high-tech firm that’s reshaping what financial planning looks like.

-Zach Chiara, CFP®, CRPC®

Associations

Fee-Only Network logo with green text
Logo of the National Association of Personal Financial Advisors featuring stylized figures and text.
CFP logo in yellow rectangular border with registered trademark symbol
Logo of Financial Planning Association featuring the abbreviation 'FPA' with a gradient line through the letter 'A'.
XY Planning Network logo with a stylized green and blue icon