Citrine Capital | Fee-Only Financial Planner San Francisco | Wealth Management | Advisor
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Citrine Capital is a fee-only financial planning and wealth management firm committed to helping business leaders and tech professionals across the United States conserve and create wealth. We accomplish this by working with our clients to organize their finances, manage investments, define and prioritize goals, plan for major life events and/or early retirement, protect loved ones, and mitigate taxes.
Our clients are business leaders and tech professionals who typically have a large percentage of their net worth concentrated in private or public companies. They’re normally juggling family with demanding careers and dynamic lives. They work with us because their financial picture is increasingly complex and they realize that they don’t have the time, energy, or expertise to manage their finances on their own.
We are a San Francisco-based team of fee-only CERTIFIED FINANCIAL PLANNER™ (CFP®) professionals devoted to transparency and the fiduciary standard of care. We take a comprehensive and dynamic approach to financial planning that is designed to ensure that our clients’ goals, financial and beyond, are realized.
It’s almost Election Day in the US once again. While the outcomes of the elections are uncertain, one thing we can count on is that plenty of opinions and prognostications will be floated in the days to come. In financial circles, this will almost assuredly include any potential for perceived impact on markets. But should long-term investors focus on midterm elections?
With school back in session in most of the country, many parents are likely thinking about how best to prepare for their children’s future college expenses.
In recent years, “liquid alternatives” have increased in popularity considerably. This sub-category of alternatives consists of mutual funds that may start from the same building blocks as the global stock and bond market but then select, weight, and even short securities in an attempt to deliver positive returns that differ from the stock and bond markets.
As investors, we should consider whether we want to use the price we observe or look for a better price. A recent study from Dimensional Fund Advisors shows that over the 15-year period ending December 2017, only 14% of investment managers that attempted to outguess the market survived and beat benchmarks.*
While a positive value premium is never guaranteed, the premium has historically had a greater chance of being positive the longer the time horizon observed. Even with long-term positive results though, periods of extended underperformance can happen from time to time.
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.
Costs matter. Whether you’re buying a car or selecting an investment strategy, the costs you expect to pay are likely to be an important factor in making any major financial decision.
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.
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.
What sort of competition do I face as an investor? What are my chances of picking an investment fund that survives and outperforms? If I choose a fund because of strong past performance, does that mean it will do well in the future? Do I have to outsmart the market to be a successful investor?
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.
Bitcoin and other cryptocurrencies are receiving intense media coverage, prompting many investors to wonder whether these new types of electronic money deserve a place in their portfolios.
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.
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?
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. Below are the six things you should look for in order to find that happy marriage.