What You Get
A Comprehensive Financial Action Plan - A step-by-step guide to reaching your financial goals and objectives. This includes an online portal and reminders to ensure you stay organized and progress toward your goals. The plan typically covers tax planning, company equity planning, risk analysis, investments, retirement-income planning, a review of your company benefits, college funding, estate planning, cash-flow analysis, planning for financial independence (freedom from the need to work), and more. You can view a sample financial plan here. All clients are also granted access to a dynamic version of their financial plan online.
Ongoing Financial Planning and Wealth Management - Continuous planning and support from our team of Certified Financial Planner™ professionals. You can view our Annual Client Service and Communication Calendar here. In addition to our scheduled services our clients can access us anytime via phone, email or videoconference. We’re available whether it’s an urgent situation or if you just need an objective sounding board.
Investment Management - We manage your wealth for you, aligning your portfolio with your goals and risk tolerance. Our objective is to maximize risk-adjusted, after-tax returns for all of our clients.
Tax Preparation - We prepare and file your federal and state tax returns.*
Financial Coaching - Our clients appreciate our focus on behavioral coaching and financial therapy. We help you discover what is truly important, then work with you to modify your behavior so you can achieve your goals.
Clarity - A crystal clear understanding of your entire financial picture.
Peace of Mind - You’ll have a team of Certified Financial Planner™ professionals looking out for you and your wealth.
* There may be additional charges if you require a business tax return and/or more than one state tax return
Wealth Management Pricing
Citrine Capital is a fee-only wealth management firm. Unlike the majority of wealth advisors, we do not accept commissions or fees from any investment institutions or insurance companies. Furthermore, we do not charge a fee for assets under management (A.U.M.) as we believe the A.U.M. pricing model creates direct conflicts of interest between the advisor and the client. Instead we base our fees on net worth (the sum of all assets minus liabilities)¹ because there is a direct correlation between net worth and financial complexity. Below is a breakdown of our net worth-based fee schedule.
* If your net worth is over 10 million please consult us for a quote
* Private company equity is excluded from our net worth calculation
The Value of Advice
Our goal is to make sure that all of our clients live the best life possible given the amount of money they have. We accomplish this by providing organization, accountability, objectivity, proactivity, education, and partnership. It’s very difficult to quantify the value of these services, but below is a summary of three studies that attempted to do so. All three found the potential economic impact gained from working with a high quality financial planner to be significant.
