Retirement Planning
Making a retirement plan is essential to turning wealth into long-term stability and peace of mind. The right strategy connects your resources to your goals so you can enjoy what you’ve built with confidence and clarity.
At Citrine Capital, we design and oversee retirement strategies for Bay Area startup founders, entrepreneurs, and other professionals. Whether you’re aiming for early financial independence or a traditional retirement, we help you align your wealth with the life you want to live.
Retirement Planning Built for Bay Area Innovators
The earlier you start planning for retirement, the more flexibility you have to shape your future.
We specialize in working with Bay Area founders, entrepreneurs, and professionals whose wealth often includes equity compensation, concentrated stock, and other complex holdings. Our approach is proactive and adaptable - anticipating transitions like IPOs, acquisitions, career shifts, or early retirement opportunities - so your plan evolves as you do.
With forward-looking strategies, we help you move from complexity to clarity, building financial independence while enjoying the journey along the way.
Financial Retirement Planning
From cash flow and income planning to tax mitigation, we optimize every element of your financial plan to help you achieve your retirement goals.
Strategic Income Planning
We design your portfolios to produce reliable income in retirement so you can maintain your purchasing power and sustain the lifestyle you’ve worked hard to build.
Cash Flow & Budget Planning
We help you understand where your money goes and create a plan that balances today’s lifestyle with tomorrow’s goals.
Encourage Spending to Live a Fulfilling Life
Retirement isn’t just about asset accumulation - it’s about enjoying what you’ve built. We help you use your wealth to pursue your values, so that you can enjoy a fulfilling life.
Financial Projections for Life Decisions
Whether you’re considering a sabbatical, career change, early retirement, or weighing key choices during retirement, we provide clear projections so you can make confident decisions.
Estate & Legacy Planning
Retirement is the perfect time to align your estate plan with your long-term goals. We coordinate with your attorneys to reduce estate taxes, structure trusts, and integrate charitable giving - so your wealth is preserved and your legacy reflects your values.
Tax Planning & Mitigation
Retirement is full of tax decisions - from Roth conversions and RMDs to timing stock sales and charitable giving. Our advisory team anticipates these challenges, designing proactive strategies to minimize taxes and preserve more of your wealth.
Guiding Your Retirement Journey, Every Step of the Way
Retirement isn’t a single event - it’s a series of stages that each call for a different strategy. We take a proactive approach so your plan adapts as your life and priorities change.
1. Pre-Retirement: Accumulation & Strategic Growth
During your working years, we focus on building and growing wealth through disciplined investing, tax efficiency, and prudent savings strategies. The goal is to set the foundation for lasting financial independence. Whether you’re looking to retire early or work well into the future, we’ll chart a realistic path forward.
2. Retirement Transition: Distribution & Protection
As you enter retirement, we establish a clear distribution strategy that helps you maintain a comfortable and fulfilling lifestyle throughout your retirement. That includes maximizing tax efficiency when coordinating withdrawals from various accounts.
3. Post-Retirement: Legacy & Ongoing Management
Retirement doesn’t mean stepping back from planning. We continue to oversee your portfolio, adjust withdrawals, prepare for known risks, and respond to surprises - keeping you on track as markets shift and life evolves. We also help refine tax strategies, coordinate healthcare costs, and align your estate and charitable giving strategies so your legacy reflects your values.
Comprehensive Financial Services for Every Stage of Life
Retirement planning works best when it’s connected to the rest of your financial life. At Citrine, we integrate tax, equity compensation planning, estate, and risk management into one coordinated plan - so you have a single trusted partner, not a patchwork of advisors.
Wealth Management
A thoughtful, transparent approach to building and preserving wealth - aligning your plan with your goals, values, and long-term financial independence.
Tax Preparation & Planning
Our tax team goes beyond filing - anticipating opportunities, monitoring your tax portals, and communicating with federal and state authorities on your behalf.
Asset Protection
Protect against market volatility, liability, and life’s unexpected events with strategies designed to safeguard your wealth.
Who We Work With
We work with the innovators driving the Bay Area economy - startup founders, tech professionals, and entrepreneurs. Many of our clients face challenges like equity compensation, concentrated stock, complex tax structures, and illiquid holdings.
Our role is to simplify that complexity. We design strategies that protect what you’ve built, optimize taxes, and give you clarity about your path to financial independence.
The Citrine Capital Difference
Discover why Bay Area innovators trust us for authentic financial planning- grounded in fundamentals and tailored to your life.
Transparent Financial Advice
Our fiduciary model has no commissions, no hidden incentives - just clear, objective guidance.
Tailored for Bay Area Professionals
We understand the unique realities of equity compensation, concentrated stock, and advanced tax planning - and design strategies that fit your life, career, and goals.
Full-Spectrum Financial Services
From investment management and retirement planning to tax and estate considerations, our experts connect every piece of your financial life.
Get Started with Retirement Planning Today
Ready to start planning for retirement? We can help.
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 schedule a meeting to discuss your current financial situation, your goals, and next steps.
Request a meeting today to take the first step towards planning the future you’re dreaming of.