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RIA / WealthAdvisorCertified Financial Planner16 years in industry

Zachary Edward Chiara

Advisor at FACTOR FINANCIAL

LAVA RIDGE, CA

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Search this name across graphsid dfx:ria:5faee1a3-324e-4c85-0944-5d910ecce30a

Data as of Sep 14, 2026 (this record's last observation) from federal regulator filings. Page built Sep 19, 2026, 4:13 PM UTC and rebuilt at most every 15 minutes.

Relationships: 5
Dated events: 4
On other graphs: 0
Observed: Jun 28, 2021 to Sep 14, 2026

Across DFX

This entity has not been resolved onto another DFX graph by a shared identifier. A name match elsewhere would be a candidate, never an identity, and none is recorded.

Facts

fact = as filed or announced; derived = computed by DFX; estimate = a band, never a point

Current firm: FACTOR FINANCIAL
Current firm class: state registeredderived
Book size: not publicno per-advisor AUM is published by the SEC, FINRA or IAPD, and DFX estimates none
Industry start: Jan 1, 2010earliest registration or exam on IAPD
Years in industry: 16derivedfrom the industry start date
Years at current firm: 1derivedfrom the current registration's begin date
Prior firms: 4
Current registrations: 1
Registered states: 1
Designations: Certified Financial Planner
Exams: S66
First exam: Jun 26, 2021
First registration: Jun 28, 2021
Dual registered: no
Other names: Zach Chiara|Zachary E Chiara
IAPD individual key: 7259006

Registration history

registration spans on IAPD; the basis says whether the span is a current registration or a prior employment record

Firm	Class	Began	Ended	Current	Branch	Basis
FACTOR FINANCIAL	State registered	Jan 7, 2025	n/a	yes	LAVA RIDGE, CA	Current employment
ANALOG CAPITAL PARTNERS LLC	State registered	May 21, 2025	Jul 4, 2025	no	HOUSTON, TX\|Citrus Heights, CA	Previous registration
U.S. BANCORP INVESTMENTS, INC.	Former SEC adviser	Aug 29, 2023	Jan 8, 2025	no	Maryville, TN\|Knoxville, TN\|KNOXVILLE, TN\|KNOXVILLE, TN\|Knoxville, TN\|Seymour, TN	Previous registration
MERRILL LYNCH, PIERCE, FENNER & SMITH INCORPORATED	Wirehouse	Aug 24, 2022	Aug 30, 2023	no	ROSEVILLE, CA\|RALEIGH, NC	Previous registration
THRIVENT INVESTMENT MANAGEMENT INC.	Bd affiliated wealth	Jun 28, 2021	May 17, 2022	no	Scottsdale, AZ\|Elk Grove, CA\|ROSEVILLE, CA	Previous registration

Moves

a move is two registration dates; a bulk corporate re-registration is typed BULK_TRANSFER and is not a move

From	To	Left	Joined	Gap, days	Kind	Move type
ANALOG CAPITAL PARTNERS LLC	n/a	Jul 4, 2025	n/a	n/a	Departure no registered destination	Departure
U.S. BANCORP INVESTMENTS, INC.	FACTOR FINANCIAL	Jan 8, 2025	Jan 7, 2025	-1	Firm change	Ibd to state RIA
MERRILL LYNCH, PIERCE, FENNER & SMITH INCORPORATED	U.S. BANCORP INVESTMENTS, INC.	Aug 30, 2023	Aug 29, 2023	-1	Firm change	Wirehouse to ibd
THRIVENT INVESTMENT MANAGEMENT INC.	MERRILL LYNCH, PIERCE, FENNER & SMITH INCORPORATED	May 17, 2022	Aug 24, 2022	99	Firm change	Ibd to wirehouse

Relationships

Registered with (5)

→ FACTOR FINANCIALRegistered adviserregistration: current employment
Jan 7, 2025 to presentfactForm ADV
→ ANALOG CAPITAL PARTNERS LLCRegistered adviserregistration: previous registration
May 21, 2025 to Jul 4, 2025factForm ADV
→ U.S. BANCORP INVESTMENTS, INC.Registered adviserregistration: previous registration
Aug 29, 2023 to Jan 8, 2025factForm ADV
→ MERRILL LYNCH, PIERCE, FENNER & SMITH INCORPORATEDRegistered adviserregistration: previous registration
Aug 24, 2022 to Aug 30, 2023factForm ADV
→ THRIVENT INVESTMENT MANAGEMENT INC.Registered adviserregistration: previous registration
Jun 28, 2021 to May 17, 2022factForm ADV

Dated events

Occurred
Jul 4, 2025
Advisor departed, no destination yet
Zachary Edward Chiara no longer registered at Analog Capital Partners Llc; no later IA registration on IAPD
Form ADVobserved 4 days ago
Occurred
Jan 8, 2025
Advisor changed firm
Zachary Edward Chiara left U.S. Bancorp Investments, Inc. for Factor Financial (registered 2025-01-07)
Form ADVobserved 4 days ago
Occurred
Aug 30, 2023
Advisor changed firm
Zachary Edward Chiara left Merrill Lynch, Pierce, Fenner & Smith Incorporated for U.S. Bancorp Investments, Inc. (registered 2023-08-29)
Form ADVobserved 4 days ago
Occurred
May 17, 2022
Advisor changed firm
Zachary Edward Chiara left Thrivent Investment Management Inc. for Merrill Lynch, Pierce, Fenner & Smith Incorporated (registered 2022-08-24)
Form ADVobserved 4 days ago