# Zach Chiara

- **Website:** <https://factorfp.com>
- **Primary alias:** `factorfp.com`

## Description

Factor Financial is a registered investment adviser focused on retirement income planning for people approaching retirement, generally within ten years. Founded by CFP® professional Zach Chiara, the firm works with a select group of households to make complex retirement decisions more manageable. Its approach coordinates income, investments, taxes, wealth protection, healthcare, and estate considerations within a connected plan designed around each client’s goals and priorities.

Services include retirement spending plans, investment portfolio analysis and design, tax-aware withdrawal planning, and assessment of retirement income needs and risks. Factor Financial’s process begins with a relaxed 30-minute Retirement Clarity Call to explore a prospective client’s situation and determine mutual fit. This is followed by an Income & Risk Analysis of accounts, potential gaps, and recommended income strategies. In a Retirement Optimization Call, the firm presents its findings in a clear summary and plain numbers. The firm also offers retirement resources, including a library, calculators, a retirement timing test, a tax assessment, and an advisory fee calculator.

## Industries

- 💰 Finance
- 💰 Financial Planning and Management _(under Finance)_

## Links

- [facebook](https://facebook.com/factorfinancial)

## Logos & icons

- logo _(primary)_ — PNG — [download](https://cdn.brandfetch.io/idtKAI-NCO/w/2053/h/597/theme/dark/logo.png?c=1bxid64Mup7aczewSAYMX&t=1792294627550)
- icon _(primary)_ — JPEG — [download](https://cdn.brandfetch.io/idtKAI-NCO/w/2048/h/2048/theme/dark/icon.jpeg?c=1bxid64Mup7aczewSAYMX&t=1792294628195)

## Colors

| Name | Hex | Theme |
| --- | --- | --- |
| Desert | #a8601f | accent |
| Zeus | #2a241e | dark |
| Merino | #f6f0e8 | light |

## Fonts

- var(--_typography---heading--heading-family) — asset _(custom)_
- Arial — asset _(custom)_

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_Source: <https://brandfetch.com/factorfp.com>_
_See [/llms.txt](/llms.txt) for a full list of agent-readable pages, and [/auth.md](/auth.md) for how agents authenticate._