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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.

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Our Story

We are a San Francisco-based team of 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. Read below to find out what makes us stand out from the rest.

Our Story


We began working together at a national broker-dealer in 2012. We clicked immediately and quickly recognized that we were able to provide far superior service and advice to clients when working as a team. For two years we partnered on servicing clients, but we also became increasingly frustrated with the broker-dealer model. Specifically, we shared a philosophy that commissioned sales, proprietary products, and hidden fees weren’t ethical, which sparked our common vision for a more virtuous service model where the interests of clients and those of advisors are transparent and fully aligned.

This conviction led us to found Citrine Capital, a fee-only firm designed to remove conflicts of interest so our advisors could make recommendations solely in the best interest of clients. Most importantly we were committed to having absolutely no proprietary products, no commissioned sales and no hidden fees.

We’re exceedingly proud of the fact that over 99% of our clients transitioned with us when we opened the doors of Citrine Capital in 2014. We’ve been experiencing rapid growth ever since while staying true to our guiding principles, never compromising on our unique service model and always offering conflict-free, fiduciary advice.

Today we serve over 70 client households, the majority of which represent business leaders, entrepreneurs, and tech professionals working for venture capital-backed startups. They come to us for our expertise in equity compensation and proven wealth management process, and because they know they’ll always receive honest, transparent and straightforward advice.

- Ryan Cole & Jirayr Kembikian