Investment Management
Investment management goes far beyond picking funds. It requires discipline, evidence, and ongoing refinement. But for most busy professionals, time is limited.
At Citrine Capital, we build portfolios on proven principles rather than speculation:
Evidence-based strategies grounded in decades of financial research
Broad diversification across asset classes, sectors, and geographies
Disciplined risk management that stays steady through market cycles
Our role is to help your money work for you - with a framework that’s cohesive, tax-efficient, and resilient to whatever the markets bring.
Accelerate Your Financial Growth With Smarter Investment Management
Your investment strategy is the foundation of long-term financial success. At Citrine Capital, we build portfolios that are globally diversified, low-cost, and tax-efficient - designed to grow your wealth while managing risk.
We don’t chase trends or try to outguess the market. Instead, we stay disciplined, relying on evidence and time-tested principles to help you build lasting security for your future.
What’s Included in Citrine’s Investment Management
Our investment management services go far beyond picking low cost investments. We balance growth with protection, integrate tax and estate considerations, and adjust as your life evolves - focusing on what we can control (diversification, costs, taxes, and discipline) rather than trying to time markets or react to headlines.
Portfolio Design & Asset Allocation
Our investment approach is rooted in academia. We set clear targets and rebalance methodically so risk stays aligned with your plan. When appropriate, we include an appropriately sized Bitcoin allocation.
Tax-Loss Harvesting Strategies
After-tax results matter most. We design for tax efficiency and use tax-loss harvesting when appropriate to offset gains while preserving market exposure.
Concentrated Stock Solutions
If one or a few stocks dominate your net worth, we help unwind the concentration risk with tax-aware strategies. That can include 10b5-1 plans, charitable giving, and the use of exchange funds. We’ll help you weigh fit, trade-offs, and timing.
Risk Tolerance & Capacity Analysis
Before investing, we calibrate the strategy to your willingness and ability to take risks so you can stay invested with confidence.
Direct Indexing & SMAs
For greater customization, we use SMAs (separately managed accounts) and direct indexing to reflect your values and manage taxes, all within a disciplined framework.
Sustainable & Values-Based Investing
We offer ESG and sustainability-focused portfolios using measurable criteria (e.g., carbon intensity and other material factors) while staying true to evidence-based construction.
Our Investment Philosophy
We let the evidence lead. We follow a clear, rules-based process that manages what we can control - risk, diversification, costs, and taxes - so your plan stays aligned through market cycles.
We pair academic research with practical implementation: tax-aware portfolios calibrated to your risk tolerance and capacity, with measured tilts toward proven drivers of returns. The aim is durable compounding and better after-tax outcomes over time.
Socially Responsible & Values-Based Investing Management
Your investments can reflect both your financial goals and your personal values. At Citrine Capital, we’re proud to offer a range of socially responsible and values-based investment options, including environmental, social, and governance (ESG) and impact investing.
ESG investing prioritizes companies that support sustainability, fair labor practices, diversity, and ethical corporate governance. This approach offers a way to effect meaningful change by directing capital toward organizations that respect the people and communities they serve.
Impact investing goes a step further, targeting investments that generate measurable social or environmental benefits alongside financial returns. Examples include clean energy, affordable housing, and community development projects.
Sustainable & Values-Based Investment Management
We integrate sustainability without complicating the plan or compromising results. Our objectives are simple: reduce exposure to the main drivers of climate change through exclusions and underweights. Carbon intensity carries the most weight, with added focus on land use and biodiversity, toxic spills, operational waste, and water management. We implement this within diversified, low-cost portfolios - designed to pursue your goals without a performance trade-off.
Integrating Investment Management Into Your Broader Wealth Strategy
Our holistic, relationship-driven wealth management model integrates your investments with the other pieces of your financial life.
Charitable Giving
Retirement Planning
Retire on your terms with expert strategies built around your lifestyle and goals.
Equity Compensation
Get the most out of your equity compensation plan with tailored analysis and guidance.
Give back while minimizing taxes - using gifts of appreciated stock to support your causes and help diversify concentrated positions.
Tax Planning
We help optimize after-tax outcomes across investments, income, and estate strategy.
Who We Work With
We partner with Bay Area founders, tech professionals, and business owners who are navigating equity compensation, private stock, real estate, and business interests alongside traditional investments. They want a disciplined, tax-aware approach that keeps everything coordinated through vesting schedules, liquidity events, and changing goals.
As a San Francisco–based firm, we understand the region’s realities: high costs, evolving tax rules, and the volatility that can come with equity-driven wealth. Our role is to bring clarity and evidence-based discipline to every decision.
You’ll have a fiduciary partner focused on growing and protecting your wealth with authentic, straightforward advice - at every stage of your journey.
Why Bay Area Professionals Choose Us
Our clients choose us for responsive and proactive strategies that bring clarity, confidence, and real progress.
Fiduciary, fee-only, authentic advice
No commissions. No sales agenda. Just plain-English guidance aligned with your best interests.
Full-spectrum planning under one roof
Investment management, in-house tax planning & preparation, and coordinated estate/charitable strategies - so you have guidance at every stage of your financial journey. One plan. One team.
Built for equity-driven wealth in the Bay Area
We navigate RSUs/ISOs, liquidity events, and concentrated stock alongside real estate, private holdings, and public markets—always with a tax-aware, disciplined approach.
Let’s Build Your Investment Roadmap Together
With Citrine Capital on your side, you can navigate the markets and let your money work for you with confidence. Our professional investment management strategies give you the financial framework you need to build the future you envision.
To get started, please fill out a short questionnaire so we can ensure we’re the right fit for your needs. If it’s a match, we’ll arrange a meeting to discuss your current financial situation, goals, and the investment opportunities that match your needs.
Get in touch today to start growing your wealth.