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. As a virtual financial advisor, we work with 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. As a virtual financial planner, we understand that 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, but as your virtual financial advisor, we’re just a click away—ready to help you build wealth anywhere on the planet.
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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 could provide far superior service and advice to clients when working as a team. For two years, we partnered on servicing clients, but over time, we became increasingly frustrated with the broker-dealer model. Specifically, we shared a philosophy that commissioned sales, proprietary products, and hidden fees weren’t ethical. This belief 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 our 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 are 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 families 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 use virtual financial advisor tools to deliver focused, intuitive solutions for managing wealth.
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 virtual financial planning meetings will be more efficient and effective if we use modern-day videoconferencing technology such as Zoom. We’ll get a lot more done in a lot less time because we can 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.
Working with us virtually means more than financial guidance; it’s about progress. As your virtual investment advisor, we focus on real-time solutions, turning every session into a transformative moment for your financial goals.
Ongoing Support, Anytime, Anywhere - Your financial situation doesn’t pause, and neither do we. Our convenient virtual advisor platform ensures you can reach out for advice or updates whenever necessary—whether it’s a quick question about your investment portfolio or a deeper discussion about a financial matter. With secure messaging, video calls, and instant file sharing, we’re always ready to help you stay ahead of life’s changes.
Save Time - With a virtual financial advisor, you won’t be 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 when meeting in person. You’re also wasting your money. There’s 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 the 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 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.
When deciding on the best entity type for your business, there are several factors to consider, especially when it comes to taxation. One popular option for small and medium-sized businesses is the S-Corporation election, which can provide significant tax savings as well as limited liability.