Contact Us

We want to hear from you. Use this form to contact us. 


535 Mission Street
San Francisco, CA, 94105

415 494 8262

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.

Our Team | Citrine Capital | San Francisco




Photo Jun 07, 3 49 38 PM.jpg

Ryan S. Cole, CFP®

Managing Partner, Private 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.

Today, Ryan is a managing partner 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 eleven years in San Francisco. Outside of work, he enjoys goofing around with his wife and two daughters, ice hockey, cycling, great food, craft beer, and a whole lot of espresso. 


Sefa Mawuli


Sefa saw firsthand the rewards of smart investing and effective financial planning when she successfully saved to purchase her first house as a single woman in her twenties. 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. Since then, she has coveted a career in financial planning.

Sefa joined Citrine Capital after a career in business strategy and market intelligence in large financial services corporations and later as principal of her own consulting firm. She is currently working on earning the CERTIFIED FINANCIAL PLANNER™ (CFP)®  designation.

At Citrine Capital, Sefa is a paraplanner. In this role, she provides critical client support. Along with Ryan and Jirayr, her main objective is to help clients organize their financial lives and achieve their goals.

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.


Jirayr R. Kembikian, CFP®

Managing Partner, Private 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 Citrine Capital, Jirayr was a financial planner and investment advisor representative at Ameritas Investment Corporation where he earned his Series 65 license. In 2016, Jirayr joined Ryan at Citrine Capital where he now serves as a managing partner.

Jirayr is an Investment Advisor Representative (IAR), California, Life, Health and Disability Insurance Agent, and a CERTIFIED FINANCIAL PLANNER™ (CFP®). He has helped hundreds of individuals and families develop a financial plan and work towards their financial goals. 

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.