Plan for Freedom, Not Just Retirement: Financial Independence Planning
You don’t need to wait until 65 to retire on your terms.
With thoughtful, goal-focused financial independence planning, you can make work optional—whether that means taking a sabbatical, shifting to passion projects, or simply having the freedom to choose. For many, the drive toward financial independence comes from feeling burned out, unfulfilled, or simply ready for a different pace. We help you scenario plan for nonlinear careers, Coast FI, and more—so you can live life on your schedule.
Achieve Financial Independence and Live Life on Your Terms with Citrine Capital
At Citrine Capital, we’ve helped hundreds of Bay Area business leaders and innovators gain the freedom and flexibility to shape their lives through goal-driven wealth management and financial independence planning.
With personalized, unbiased guidance and time-tested strategies, we simplify complexity and help you make confident decisions about your future.
Whether you're exploring new pursuits, stepping back from full-time work, or rethinking what success looks like, our expert financial planners have the experience and tools to help you pursue financial independence and early retirement—on your own timeline.
Your Blueprint for Early Retirement & Long-Term Freedom
Effective financial independence planning requires careful analysis and a data-driven strategy. We use a holistic, client-centered approach to make a FIRE plan that supports your needs, priorities, and aspirations — now and in the future.
Spending & Savings Targets
Dial in your savings rate and lifestyle spending to support your goals—whether you’re working toward full financial independence, Coast FI, or anything else you envision.
FIRE-Friendly Portfolio Design
Build a long-term investment strategy designed to grow your wealth sustainably and support early or flexible life goals.
Tax-Efficient Drawdown Plan
We’ll map out a personalized drawdown plan that minimizes taxes and maximizes flexibility—so you can access your assets with confidence.
Integrated Tax Planning
Our in-house CPAs coordinate across your investment, equity comp, and income streams to optimize taxes—year by year and long term.
The Citrine Capital Approach to Financial Independence Planning
At Citrine Capital, we start by understanding your life—your goals, values, and what financial independence means to you.
Only then do we dig into the numbers, assess your full financial landscape, and build a personalized strategy grounded in clear analysis and practical planning.
We’ll then craft a tailored roadmap that reflects both your current reality and your future ambitions—so every decision brings you closer to the freedom and flexibility you’re working toward.
Modern Financial Planning for the Next Generation of Leaders
Build your financial future with reliable strategies tailored to your lifestyle and goals. Our expert financial planners and in-house CPAs work as a team to optimize your income, taxes, and investments—so you can grow wealth with clarity and confidence.
Wealth Management
Maximize asset growth with smart investment strategies designed around your goals and risk tolerance.
Learn MoreFinancial Planning
We advise on everything with a dollar sign—equity comp, investments, real estate, private assets, and more. Our goal is to make it all cohesive, tax-optimized, and aligned with your long-term vision.
Learn MoreAsset Protection
Protect your income and assets from uncertainties with innovative, proactive protection strategies.
Learn MoreWho We Work With
We work with the startup founders, business leaders, and tech innovators who call the Bay Area home.
As a premier San Francisco financial services firm, we understand the unique financial landscape of the region — from the economic realities of growing wealth in a high-tax, high-cost-of-living environment to the challenges and opportunities that come with equity compensation.
We aim to turn those insights into actionable strategies so you can spend less time worrying about money and more time living a life you love.
Why Bay Area Professionals Choose Us
Discover why Bay Area innovators like you rely on us for clear, conflict-free financial planning rooted in fundamentals—not generic advice.
Transparent, Aligned Financial Advice
Our fee-only model means our advice is always aligned with your best interests and not driven by sales or commissions.
Responsive, On-Demand Support
Life moves fast—and so do financial decisions. We are available when you need us most, providing timely, expert guidance on the time-sensitive issues that arise in your life, career, or business.
Integrated Services Under One Roof
Our team of CFP® professionals and in-house CPAs work together to deliver coordinated investment management, tax preparation, and full-spectrum financial planning—all aligned to your goals.
Get Started with Citrine Capital
Ready to work with a financial independence planner who understands your goals—and your timeline?
Start by filling out a brief questionnaire so we can make sure we’re the right fit. From there, we’ll schedule a consultation to discuss your financial picture, priorities, and path to financial freedom.
Take the first step toward clarity, confidence, and financial independence.