Cash Flow Analysis Services
Cash flow is where your financial plan meets real life. Understanding how money moves in and out of your life creates clarity, confidence, and flexibility.
Whether you are buying a home, starting a family, taking a sabbatical, or working toward early retirement, your goals hinge on a well-balanced cash flow strategy.
At Citrine Capital, we take a thoughtful, personalized approach to cash flow analysis. We uncover patterns, identify opportunities, and encourage you to direct your money toward what matters most.
Optimize Your Future With Comprehensive Cash Flow Analysis
Cash flow analysis shows you exactly where your money is going and how it supports your goals.
As your financial advisors, we review your income, spending, taxes, and investments together to create a clear picture of your financial health. From there, we help you make informed decisions with confidence, not guesswork.
Cash flow analysis is not about spending less. It is about spending with intention. We help you direct your money toward what brings you the most happiness and fulfillment.
The result is a strategy that aligns your cash flow with your life, your career, and what you want next.
Holistic Cash Flow Management Solutions for Lasting Financial Clarity
Effective cash flow management is about understanding how everyday decisions shape the bigger picture. We take a coordinated approach that brings every part of your financial life together into one clear strategy.
Income Modeling and Scenario Planning
We model salary, bonuses, equity compensation, and investment income across multiple scenarios so you can see how your cash flow responds to career changes and life events.
Equity Compensation and Variable Income
From founder liquidity to RSUs and stock options, we design strategies that address uncertainty and support confident, long-term decision-making.
Tax Timing and Cash Flow Efficiency
We coordinate tax payments with your broader cash flow, helping you plan when taxes are due and where the funds will come from, so there are no disruptions.
Intentional Spending and Lifestyle Design
Cash flow planning is not about restriction. We help you align your spending with what brings you the most fulfillment while reducing friction in areas that do not add meaningful value.
Liquidity and Optionality
Our cash flow insights help you maintain reserves that preserve flexibility and the option to take on new opportunities as they arise.
Planning for Change
We design cash flow strategies that support sabbaticals, entrepreneurship, and early retirement.
The Citrine Capital Approach to Cash Flow Analysis
Cash flow planning sits at the core of how we advise clients.
We begin with a detailed review of your inflows and outflows, alongside your goals, earning patterns, and investment strategy. From there, we model how your cash flow evolves over time and stress-test it against real-world scenarios.
This process is not about creating a strict budget. It is about having clear conversations around spending, savings, taxes, and liquidity so your money consistently supports the life you want to live.
Comprehensive Financial Management for Bay Area Professionals
Our cash flow services are one part of a broader, coordinated approach to managing your financial life. Your everyday financial decisions are connected to long-term goals, with cash flow integrated across your broader financial strategy, including:
Wealth Management
We design and manage investment portfolios that reflect your goals, ability to take risk, tax sensitivity, and cash flow needs.
Asset Protection
We help reduce risk through coordinated insurance planning, legal structuring, and tax-aware strategies that protect what you have built.
Financial Planning
We help you make confident decisions around major milestones, career transitions, and long-term goals through a plan that evolves as your life changes.
Who We Work With
We work with professionals, founders, and families who want clarity and intention around their financial lives.
As a San Francisco–based firm, we understand the complexity of building wealth in the Bay Area. Our clients navigate equity compensation, concentrated positions, variable income, and high taxes while balancing ambitious careers with evolving personal goals.
Our services are best suited for individuals and families with growing complexity who value coordinated advice, proactive planning, and a long-term relationship with a trusted advisory team.
Discover the Citrine Capital Advantage
Our promise is simple: clear advice grounded in what matters most to you and the real decisions you face.
Trustworthy, Transparent Financial Advice
No sales. No commissions. Our fee-only model means every recommendation is made with one goal in mind: helping you make better financial decisions with clarity and confidence.
Tailored Strategies for the Bay Area
We design proactive strategies that reflect the realities of living and working in the Bay Area, including deep expertise in company equity, concentrated positions, and non-linear career paths.
End-to-End Guidance for Every Life Stage
Whether you are advancing your career, growing your family, or preparing for early retirement, your plan evolves as your life changes, with coordinated guidance at every step.
Explore Your Cash Flow Optimization with Citrine Capital
Understanding your financial cash flow patterns is critical to your long-term wealth strategy.
If you are looking for a more intentional way to manage your money, we are here to help. We start with a short questionnaire to make sure we are a mutual fit. From there, we schedule a conversation to understand your goals, your financial situation, and how cash flow fits into the bigger picture.
Take the first step towards lasting financial security today.