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We are a team of fee-based CERTIFIED FINANCIAL PLANNER™ (CFP®) professionals committed to transparency and the fiduciary standard of care. Our relationship-based, comprehensive approach to wealth management and financial planning is designed to create and conserve wealth while providing our clients with financial peace of mind and an increased quality of life.

Blog | Citrine Capital

Anyone searching for investment advice is undoubtedly confronted with many choices of service providers operating under titles such as certified financial planner, financial consultant, registered investment advisor, stockbroker, and insurance agent.

Where's the Value?

Ryan Cole

From 1928–2017 the value premium[1] in the US had a positive annualized return of approximately 3.5%.[2] In seven of the last 10 calendar years, however, the value premium in the US has been negative.

This has prompted some investors to wonder if such an extended period of underperformance may be cause for concern. But are periods of underperformance in the value premium that unusual? We can look to history to help make sense of this question.


[1]. The value premium is the return difference between stocks with low relative prices (value) and stocks with high relative prices (growth).

[2]. Computed as the return difference between the Fama/French US Value Research Index and the Fama/French US Growth Research Index. Fama/French indices provided by Ken French.

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Tuning Out the Noise

Ryan Cole

For investors, it can be easy to feel overwhelmed by the relentless stream of news about markets. Being bombarded with data and headlines presented as impactful to your financial well-being can evoke strong emotional responses from even the most experienced investors.

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Doing Well and Doing Good?

Ryan Cole

Growing interest in the impact of fossil fuels on the global climate may spark questions about whether individuals can integrate their values around sustainability with their investment goals and, if so, how.

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Key Questions for the Long-Term Investor

Ryan Cole

Whether you’ve been investing for decades or are just getting started, at some point on your investment journey you’ll likely ask yourself some of the questions below. Trying to answer these questions may be intimidating, but know that you’re not alone. Your financial advisor is here to help. While this is not intended to be an exhaustive list it will hopefully shed light on a few key principles, using data and reasoning, that may help improve investors’ odds of investment success in the long run.

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Recent Market Volatility

Ryan Cole

After a period of relative calm in the markets, in recent weeks the increase in volatility in the stock market has resulted in renewed anxiety for many investors. From February 1–5, the US market (as measured by the Russell 3000 Index) fell almost 6%, resulting in many investors wondering what the future holds and if they should make changes to their portfolios.1 While it may be difficult to remain calm during a substantial market decline, it is important to remember that volatility is a normal part of investing. Additionally, for long-term investors, reacting emotionally to volatile markets may be more detrimental to portfolio performance than the drawdown itself. 

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Demystifying What It Really Costs to Work with a Financial Planner

Ryan Cole

Understanding how much financial planners cost, and how they are paid, can be complicated and murky territory if you don’t have a higher degree in wealth management. But how much you pay a financial planner comes down to the type of financial planner you choose, as this is what drives the planner’s cost and ultimately determines the services you receive.

To get down to brass tacks, below are explanations of the three primary financial planner models and how each type translates to money out of (or in) your pocket.

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Do I Need a Financial Planner?

Ryan Cole

Working with a high-quality financial advisor isn’t cheap, which probably has you wondering whether it’s really worth the cost. Furthermore, you probably didn’t need a financial advisor in your 20s, as your finances were simple back then, so maybe the DIY approach can last a little longer.

But let’s face it, as we change jobs, get married, have children, purchase homes, and get promotions our free time becomes limited and our financial lives increase in complexity, and this added complexity will most likely cause you to question your current financial picture. For example, could you be saving more on taxes? Who will take care of your family if something happens to you and/or your spouse, and will there be enough assets available to care for them? Will you have enough money if markets take a dive? Should you currently be invested in the markets?

These questions can feel overwhelming. But there are ways to ease the anxiety, and a financial advisor might be the best answer. Below are just a few ways that a good financial advisor will prove their worth many times over by saving you time, simplifying your life, protecting your assets and growing your net worth.

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How to Find a Good Financial Planner

Ryan Cole

Finding a sub-par financial advisor is easy. In fact, if you have significant assets then you’ve probably experienced multiple sub-par financial advisors trying to knock down your door. Just search for “financial advisor” near San Francisco on Yelp, and you’ll get more than 890 hits.

On the other hand, excellent financial advisors are in high demand, and you’re going to have to spend some time searching for “the one”. This is because good planners are few and far between, and those who are good aren’t spending their time hunting for clients.

So what makes a great financial advisor? Below are the six things you should look for in order to find that happy marriage.

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