About

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Team Citrine

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Ryan S. Cole, CFP®    Founder, Wealth Advisor   Ryan began investing at the age of 18 while earning his degree in business and management of technology at Clarkson University. Through his studies and over 15 years of investment experience, Ryan became a firm believer in tax-efficient investing and low-cost portfolio management. His financial know-how eventually led him to be a resource for friends and family, and he quickly discovered his passion for helping others with financial planning and investing.  Previously, Ryan worked as a financial planner at Ameritas Investment Corporation where he earned his series 65 license. In 2014, he left Ameritas to found Cole Wealth Advisors, which evolved into Citrine Capital when Jirayr joined in 2016.  Today, Ryan is a managing partner and wealth advisor at Citrine Capital, where he serves as an Investment Advisor Representative (IAR) and a  CERTIFIED FINANCIAL PLANNER™ (CFP®).   Born and raised in Philadelphia, Ryan has the pragmatism and objectivity of an East Coaster balanced by an easygoing, holistic attitude adopted from twelve years in the San Francisco Bay Area. Outside of work, he enjoys goofing around with his wife and two daughters, ice hockey, cycling, great food, craft beer, and lots of espresso.

Ryan S. Cole, CFP®

Founder, Wealth Advisor

Ryan began investing at the age of 18 while earning his degree in business and management of technology at Clarkson University. Through his studies and over 15 years of investment experience, Ryan became a firm believer in tax-efficient investing and low-cost portfolio management. His financial know-how eventually led him to be a resource for friends and family, and he quickly discovered his passion for helping others with financial planning and investing.

Previously, Ryan worked as a financial planner at Ameritas Investment Corporation where he earned his series 65 license. In 2014, he left Ameritas to found Cole Wealth Advisors, which evolved into Citrine Capital when Jirayr joined in 2016.

Today, Ryan is a managing partner and wealth advisor at Citrine Capital, where he serves as an Investment Advisor Representative (IAR) and a CERTIFIED FINANCIAL PLANNER™ (CFP®).

Born and raised in Philadelphia, Ryan has the pragmatism and objectivity of an East Coaster balanced by an easygoing, holistic attitude adopted from twelve years in the San Francisco Bay Area. Outside of work, he enjoys goofing around with his wife and two daughters, ice hockey, cycling, great food, craft beer, and lots of espresso.

Jirayr R. Kembikian, CFP®    Co-Founder, Wealth Advisor   Jirayr started his career with one of the nation's largest banks, where he repeatedly witnessed the enduring impact of a solid financial plan on clients’ success. This led him to pursue a career as a financial planner with a mission to provide all clients with a financial roadmap and professional guidance in order to help them reach their full potential.  Prior to joining Citrine Capital, Jirayr was a financial planner at Ameritas Investment Corporation where he helped hundreds of individuals, families, and small businesses develop a financial plan and work towards their financial goals.  Today, Jirayr is a managing partner and wealth advisor at Citrine Capital, where he serves as an Investment Advisor Representative (IAR) and a  CERTIFIED FINANCIAL PLANNER™ (CFP®) .  Jirayr holds a degree in finance from San Francisco State University. Born and raised in Marin County, he is an active community and board member in local service organizations. He is passionate about his active lifestyle including sports, mountain biking, hiking, photography and international travel.

Jirayr R. Kembikian, CFP®

Co-Founder, Wealth Advisor

Jirayr started his career with one of the nation's largest banks, where he repeatedly witnessed the enduring impact of a solid financial plan on clients’ success. This led him to pursue a career as a financial planner with a mission to provide all clients with a financial roadmap and professional guidance in order to help them reach their full potential.

Prior to joining Citrine Capital, Jirayr was a financial planner at Ameritas Investment Corporation where he helped hundreds of individuals, families, and small businesses develop a financial plan and work towards their financial goals.

Today, Jirayr is a managing partner and wealth advisor at Citrine Capital, where he serves as an Investment Advisor Representative (IAR) and a CERTIFIED FINANCIAL PLANNER™ (CFP®).

Jirayr holds a degree in finance from San Francisco State University. Born and raised in Marin County, he is an active community and board member in local service organizations. He is passionate about his active lifestyle including sports, mountain biking, hiking, photography and international travel.

Sefa Mawuli    Wealth Advisor   Sefa saw firsthand the rewards of effective planning and smart investing when she successfully saved to purchase her first house as a single 20-something-year-old. Years later, her own search for meaningful financial guidance led her to the fee-only financial planning profession. She immediately understood the tremendous value of a financial planner with the ethics and expertise to guide individuals and families through various chapters of their lives. Now she is passionate about using her own knowledge and experience to help others organize their financial lives in order to achieve their goals.  Before joining Citrine Capital, Sefa spent a couple of decades advising Fortune 500 financial industry corporate executives on business strategy and new market opportunities. A candidate for the CERTIFIED FINANCIAL PLANNER™ (CFP®) designation, she has passed the CFP® Certification Exam and is satisfying the experience requirement toward certification. She is a licensed Investment Advisor Representative (IAR).  Originally from West Africa, Sefa has lived in Papua New Guinea, England and in New Zealand. She lives in the Washington DC metro area with her spouse and two children. She loves traveling, running, writing, doing anything outdoors and sipping good wine.

Sefa Mawuli

Wealth Advisor

Sefa saw firsthand the rewards of effective planning and smart investing when she successfully saved to purchase her first house as a single 20-something-year-old. Years later, her own search for meaningful financial guidance led her to the fee-only financial planning profession. She immediately understood the tremendous value of a financial planner with the ethics and expertise to guide individuals and families through various chapters of their lives. Now she is passionate about using her own knowledge and experience to help others organize their financial lives in order to achieve their goals.

Before joining Citrine Capital, Sefa spent a couple of decades advising Fortune 500 financial industry corporate executives on business strategy and new market opportunities. A candidate for the CERTIFIED FINANCIAL PLANNER™ (CFP®) designation, she has passed the CFP® Certification Exam and is satisfying the experience requirement toward certification. She is a licensed Investment Advisor Representative (IAR).

Originally from West Africa, Sefa has lived in Papua New Guinea, England and in New Zealand. She lives in the Washington DC metro area with her spouse and two children. She loves traveling, running, writing, doing anything outdoors and sipping good wine.

Our Process

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Our comprehensive approach to wealth management focuses on the four cornerstones that are essential to the creation and conservation of wealth: asset protection, cash flow optimization, asset growth, and tax mitigation.

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 Investment Philosophy

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Our sustainable investment portfolios are designed to capture superior risk adjusted, after tax returns using an evidence based investment approach. Our strategy is grounded in economic theory and backed by decades of empirical research. Below are the ten tenants of our investment philosophy.

 Services

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Comprehensive Financial Planning & Analysis

  • Cash flow analysis

  • Tax planning and mitigation strategies

  • Financial projections and analysis (retirement, financial independence, property, college etc.)

  • Company retirement plan analysis (401(k) etc.)

  • Wealth transfer strategies

  • Philanthropy and charitable giving

  • Employee stock options (Incentive Stock Options (ISOs) and Non-Qualified Options (NQSOs)) planning and analysis

  • Restricted Stock Awards (RSAs): Restricted Stock Units (RSUs), Restricted Stock Shares (RSSs), Performance Stock Shares (PSSs) and Performance Stock Units (PSUs)

  • Stock Appreciation Rights (SARs): Stock-Settled Stock Appreciation Rights (SSARs), Cash-Settled Stock Appreciation Rights (CSARs)

  • Employee stock purchase plan (ESPP) planning and analysis

  • Net unrealized appreciation (NUA) planning and analysis

  • Qualified Small Business Stock (QSBS) planning and analysis

Wealth Management

  • Investment management (mutual funds, exchange-traded funds (ETFs), stocks, bonds, options etc.)

  • Solutions for concentrated and/or appreciated stock positions

  • IRAs, 401(k)'s and other retirement plans

  • Socially responsible and impact investing

  • 10b5-1 trading plan implementation and coordination

Asset Protection and Risk Management

  • Estate planning

  • Life insurance analysis

  • Property and casualty insurance analysis

  • Disability insurance analysis

 
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