Citrine Capital is a fee-only wealth management and tax preparation firm committed to helping startup founders, entrepreneurs, and tech professionals conserve and create wealth. We accomplish this by working with our clients to organize their finances, manage investments, define and prioritize goals, plan for retirement and other major life events, reach financial independence, protect loved ones, and mitigate taxes.
We provide our clients with elite level financial planning and client care, and work closely with them to implement, monitor, review and adjust their financial plans over the long-term. Furthermore, our clients tend to live hectic lives and often require time sensitive planning or advice, which is why we invite them to call, email or text us whenever we’re needed. We even guarantee a response to client requests within 24 hours.
Our office is located in San Francisco, however we work virtually with clients across the globe.
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Story
Ryan and Jirayr began working together at a national broker-dealer in 2012. We clicked immediately and quickly recognized that we were able to provide far superior service and advice to clients when working as a team. For two years we partnered on servicing clients, but over time became increasingly frustrated with the broker-dealer model. Specifically, we shared a philosophy that commissioned sales, proprietary products, and hidden fees weren’t ethical, which sparked our common vision for a more virtuous service model where the interests of clients and those of advisors are transparent and fully aligned.
This conviction led us to found Citrine Capital, a fee-only firm designed to remove conflicts of interest so our advisors could make recommendations solely in the best interest of clients. Most importantly we were committed to having absolutely no proprietary products, no commissioned sales and no hidden fees.
We’re exceedingly proud of the fact that over 98% of our clients transitioned with us when we opened the doors of Citrine Capital in 2014. We’ve been experiencing rapid growth ever since while staying true to our guiding principles, never compromising on our unique service model and always offering conflict-free, fiduciary advice.
Today we serve over 115 client households, the majority of which represent business leaders, entrepreneurs, and tech professionals working for venture capital-backed startups. They come to us for our expertise in equity compensation, our proven wealth management process, and because they know they’ll always receive honest, transparent and straightforward advice.
Clients
Our clients are startup founders, entrepreneurs and tech professionals, most of whom have a large percentage of their net worth concentrated in private or public companies. They’re typically juggling family with demanding careers and dynamic lives. They work with us because their financial picture is increasingly complex and they realize that they don’t have the time, energy, or expertise to manage their finances on their own.
We’ve worked with employees and executives at the companies below. We have a thorough understanding of their compensation packages, benefits packages, and retirement plans.
Leading Technology
We incorporate best-in-class technology that allows for sophisticated yet intuitive financial planning and wealth management
Virtual Wealth Management
Save time, money, and the environment. Citrine Capital uses a secure online client portal with file sharing and video conferencing so you can work with us remotely from anywhere in the world.
More Efficient and Effective Meetings - Our financial planning meetings will be more efficient and effective if we meet using modern-day videoconferencing technology such as Zoom. We’ll get a lot more done in a lot less time because we have the ability to share screens and easily view your accounts together. We can access your company 401(k) and make any needed adjustments on the spot. Do you need to review your stock options or RSU vesting schedule? We can quickly log in together to review your company equity package so we can make a plan for your vesting equity. When you meet with us virtually there’s an increased emphasis in taking care of everything on the spot, which transforms your financial planning session into a financial doing session.
Save Time - No more sitting in traffic or looking for parking. We’re guessing you’d rather be spending that time with your family, getting a workout in, or simply relaxing.
Save Money - Unfortunately, time isn’t the only precious resource you’re wasting by meeting in person. You’re also wasting your money. No need to pay for fuel, parking or public transportation if we meet remotely.
Save the Environment - Ditching the commute means you’re doing your part to help reduce strain on the planet.
Sustainability
Our clients are increasingly conscious of how business practices may impact the environment and, in turn, future generations. As a result, most are interested in aligning their sustainability values with their investment goals. At Citrine Capital we believe that Investors who wish to accomplish this dual objective should not have to forfeit sound underlying investment principles. We believe that you can now achieve better than market returns by investing in low-cost, diversified, sustainable portfolios. This is why all of our portfolios contain only sustainable investment funds.
The AI industry is experiencing unprecedented growth, with advancements in technology rapidly transforming various sectors. As the industry continues to expand, employees at AI companies face unique challenges and opportunities that require careful consideration and strategic planning.