Zachary Chiara
Advisor at Factor Financial
Updated today
Data sourced from SEC public records (and other sources when available). Some details may be added by the advisor after claiming their profile. Refreshed daily • Updated today.
Location
Lava Ridge, CA
Credentials
CFP®, Series 66
Industry experience
4 years
About
Zachary Chiara is a CFP® professional with four years of experience in financial advising, currently the sole advisor at Factor Financial LLC. His prior roles include positions at U.S. Bancorp Investments, Bank of America, Merrill, and Thrivent Investment Management. In addition to his advisory work, he is involved with Factor Insurance Solutions as a licensed insurance agent. Factor Financial LLC is an independent registered investment adviser serving individual and high-net-worth clients with discretionary wealth management and project-based financial planning. The firm employs a blend of passive and active investment strategies based on asset allocation and Modern Portfolio Theory, offering tailored portfolio management and coordinating comprehensive financial planning services.
Client services
Based on Factor Financial
Financial planning
Portfolio management
Selection of other advisers
Fee options
Initial financial planning fee up to $10,000; Project-Based Financial Planning fixed fees range from $2,500 to $10,000
$0 - $1,000,000: 1.00% $1,000,001 - $3,000,000: 0.75% $3,000,001 - $5,000,000: 0.50% $5,000,001+: 0.25%
Minimum fee: Minimum annual fee of $6,000 for Wealth Management Services, may be reduced or waived at advisor's discretion
Location
Lava Ridge, CA
Most active in
Zachary C has reported serving >5 clients in these states in the last 12 months.
California
Work history
Factor Insurance Solutions
2025 - Present (1 year)
Analog Capital Partners LLC
2025 - 2025 (1 year)
Factor Financial LLC
2025 - Present (1 year)
U.S. Bancorp Investments, Inc.
2023 - 2025 (2 years)
Bank of America N.A.
2022 - 2023 (1 year)
Merrill
2022 - 2023 (1 year)
Thrivent Investment Management Inc
2020 - 2022 (2 years)
Full Time Student - Sierra College
2020 - 2021 (1 year)
V3 Electric
2019 - 2020 (1 year)
Sabbatical
2019 - 2020 (1 year)
9Round
2019 - 2019 (1 year)
Sabbatical
2018 - 2019 (1 year)
Alaska Zipline Adventures
2018 - 2018 (1 year)
Haney Biz Marketing
2018 - 2018 (1 year)
Sabbatical
2017 - 2017 (1 year)
School
2010 - 2017 (7 years)
Disclosures
Disclosures include customer complaints, regulatory actions, employment terminations, bankruptcies, and certain legal protections.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Is not active or affiliated with:
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
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