Evergreen Awards proudly recognizes Factor Financial as the Best Financial Planner for Early Retirees in 2025, an accolade honoring their exceptional leadership in financial planning for a niche audience of high achievers pursuing early retirement and an adventure-rich lifestyle.

With a mission to redefine the financial planning industry, Factor Financial, led by its visionary Founder and Certified Financial Planner™ Zach Chiara, exemplifies client-centric innovation and excellence. This prestigious award underscores Factor Financial’s dedication to providing transparent, lifestyle-focused planning tailored to a growing demographic of financially independent individuals ready to embrace the freedom they’ve earned.

Outstanding Product Evaluation

Factor Financial has revolutionized the way financial planning serves early retirees. Specializing in tax-efficient strategies, retirement planning, and investment management, the firm offers bespoke solutions to clients who prioritize life experiences over conventional routines. From designing plans for world travel to enabling peace of mind during life's transitions, Factor Financial ensures every client's wealth aligns with their personal aspirations.

By embracing a fee-only fiduciary model, Factor Financial eliminates conflicts of interest, guaranteeing unbiased advice rooted in the client’s best interest—a rare and valuable attribute in the financial industry.

Demonstrated Expertise and Knowledge

Founder Zach Chiara, CFP®, brings a wealth of experience, having worked with Fortune 500 companies before establishing his firm. Witnessing the industry’s shortcomings firsthand, he set out to transform financial services by emphasizing authenticity, integrity, and expertise. Zach’s approach combines traditional financial planning principles with cutting-edge technology to deliver a seamless, high-tech, high-touch experience for his clients.

Factor Financial’s deep understanding of the unique challenges faced by early retirees, especially those in the FAT FIRE community, sets the firm apart. With an unparalleled focus on this niche, Zach and his team craft personalized financial plans that blend numerical precision with lifestyle alignment.

Authenticity and Trust

Central to Factor Financial’s success is their emphasis on trust and transparency. By putting the client’s “Why” at the heart of every decision, the firm builds authentic relationships rooted in shared goals and values. Their independent structure ensures that clients benefit from unbiased advice, free from the influence of corporate profits or commissions.

Zach’s commitment to a client-first ethos resonates strongly with individuals and couples seeking a trusted advisor who genuinely understands their vision for financial freedom and personal fulfillment.

Quantitative Performance Excellence

Factor Financial leverages advanced financial modeling and analytics to deliver results-driven plans that optimize tax efficiency, mitigate risks, and maximize wealth preservation. By integrating modern technology with personalized service, the firm provides actionable insights that empower clients to confidently make decisions about their financial futures.

This performance-driven approach has earned Factor Financial a reputation as a trusted partner for early retirees seeking guidance that goes beyond the numbers.

Competitive Differentiation

In a competitive industry, Factor Financial stands out by specializing exclusively in serving travel-loving early retirees. Unlike generalized firms, Factor Financial tailors its services to the values, aspirations, and unique needs of this audience.

The firm’s ability to integrate lifestyle planning with traditional financial expertise makes it a leader in its field. Whether helping clients explore exotic destinations or secure their legacies, Factor Financial delivers an unmatched blend of technical precision and personal understanding.

Celebrating Leadership and Innovation

Winning the title of Best Financial Planner for Early Retirees in 2025 cements Factor Financial’s position as an industry leader. Zach Chiara’s bold vision, innovative strategies, and unwavering dedication to client success have redefined what it means to provide financial guidance.

As Factor Financial continues to grow, the firm remains committed to its mission: helping clients turn their wealth into a life of adventure, freedom, and fulfillment.

For more information about Factor Financial and their award-winning services, visit factorfinancialplanning.com.

Congratulations to Zach Chiara and the entire Factor Financial team for this well-deserved recognition!