Financial Forecasting Services
Plan for what’s next - even when your path isn’t linear.
At Citrine Capital, we help high-achieving professionals navigate career transitions, sabbaticals, and early retirement with strategic, data-driven financial forecasting. Whether you’re pursuing financial independence or simply want more flexibility, we’ll help you replace guesswork with clarity, and build a roadmap that supports your evolving life and goals.
Envision Your Life with Expert Financial Projections
Smart financial planning starts with a clear vision - whether that includes taking a sabbatical, reaching financial independence, or retiring early. At Citrine Capital, we build personalized financial analysis services to help you explore what’s possible and make confident decisions.
We go beyond static retirement calculators. Our financial forecasting models your unique income streams, career transitions, and investment opportunities, helping you plan with intention - not convention. Whether you're navigating equity compensation, planning for time off, or building toward early financial freedom, we’ll help turn your vision into reality.
Personalized Financial Projections for Real-Life Goals
Our services give you clarity on where you are, where you’re headed, and how to align your money with your goals.
Cash Flow Analysis & Budget Planning
Get a clear picture of your spending and savings, and model how life changes - like a sabbatical, move, or career pivot - could affect your cash flow. We help you build a plan that funds your lifestyle today while supporting your goals for tomorrow.
Investment Performance Forecasting
Whether you're investing for early retirement, passive income, or lifestyle flexibility, we analyze your portfolio's trajectory under different scenarios - including digital assets - so you understand your upside, risk, and timeline.
Financial Independence & Retirement Planning
We help you define what financial independence looks like for you - and build a plan to get there. Whether you want to retire early or simply create more freedom, we’ll help you map out the milestones and funding strategies to support it.
Company Equity Planning & Analysis
Our experts will evaluate your equity compensation package and potential tax consequences so you can make clear, strategic choices for your financial future.
Scenario Analysis & What-If Planning
What if you take a 1 year sabbatical? What if you retire at 45? What if you shift gears after your tech role to focus on balance, purpose, or flexibility? We model different scenarios so you can see how today’s decisions impact your future.
Tax Impact Forecasting & Optimization
We forecast how career changes, employment income, or equity events will affect your taxes - and develop strategies to minimize the impact. From optimizing withdrawals to planning around RSU vesting, we help you stay ahead.
The Citrine Capital Approach to Financial Forecasting
At Citrine Capital, we don’t just project numbers - we help you design a life strategy. Our forecasting process blends technical analysis with real-life context, so your financial plan supports your happiness, fulfillment, and the life you want to build.
We combine deep technical expertise with real-world context - building financial projections that reflect your equity compensation, shifting income, evolving priorities, and the life you actually want to live - not just a traditional retirement timeline.
Comprehensive Financial Planning Services for Bay Area Professionals
Alongside our financial forecasting services, our comprehensive financial planning solutions are designed to help you build lasting security.
Wealth Management
We create forward-thinking investment strategies that align with your goals - whether that’s early financial independence, a flexible lifestyle, or long-term growth.
Financial Planning
From budgeting and saving to career transitions and major life decisions, we help you navigate your financial life with clarity and intention.
Asset Protection
We build strategies to help you protect what you’ve worked hard to build - including risk management around equity, insurance, estate planning, and more.
Who We Work With
We specialize in working with Bay Area tech professionals and startup founders navigating complexity - and rethinking what success looks like.
Our clients are planning career breaks, aiming for early financial independence, exiting startups, and simply looking for more intentional ways to use their time and wealth. If your path doesn’t follow the traditional script, you need advisors who plan beyond it.
Whether you're managing equity compensation, preparing for a sabbatical, or designing a life that’s rich in freedom and fulfillment, we bring clarity to every financial decision along the way.
Why Bay Area Professionals Choose Citrine Capital
Our clients come to us for personalized, flexible strategies that reflect the reality of equity compensation, career shifts, and the pursuit of time freedom.
Seamless, Responsive Support - All Under One Roof
We offer integrated financial planning, investment management, and tax strategy - all in one place. As your life evolves, we’re here to help you adapt your plan in real time, with clarity and care.
Planning Built for Bay Area Realities
From tech equity and concentrated stock positions to housing costs and high tax exposure, we design strategies that make sense in one of the world’s most dynamic (and expensive) economies.
Support for Every Stage and Every Shift
We help you navigate life transitions with confidence - whether you're scaling back after a demanding tech career, planning a sabbatical, or pursuing early financial independence.
Start Planning Your Next Chapter with Clarity
Whether you're preparing for a sabbatical, transitioning out of tech, or mapping your path to financial independence, you deserve a plan that reflects your goals - and the numbers behind them.
Our financial forecasting services help you see how life decisions impact your future - so you can move forward with clarity, flexibility, and confidence.
Start by filling out a short questionnaire so we can learn more about your situation. If we’re a good fit, we’ll schedule a discovery meeting to explore how we can help.
Your future isn’t one-size-fits-all - your financial plan shouldn’t be either.