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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.


Services | Citrine Capital

San Francisco wealth management, financial planning, asset protection, and risk management services.



Comprehensive Financial Planning & Analysis

  • Cash flow analysis

  • Tax planning and mitigation strategies

  • Financial projections and analysis (retirement, financial independence, property, college etc.)

  • Company retirement plan analysis (401(k) etc.)

  • Wealth transfer strategies

  • Philanthropy and charitable giving

  • Employee stock options (Incentive Stock Options (ISOs), Non-Qualified Options (NQSOs) and Restricted Stock (RS)) planning and analysis

  • Restricted Stock Awards (RSAs): Restricted Stock Units (RSUs), Restricted Stock Shares (RSSs), Performance Stock Shares (PSSs) and Performance Stock Units (PSUs)

  • Stock Appreciation Rights (SARs): Stock-Settled Stock Appreciation Rights (SSARs), Cash-Settled Stock Appreciation Rights (CSARs)

  • Employee stock purchase plan (ESPP) planning and analysis

  • Net unrealized appreciation (NUA) planning and analysis

Wealth Management

  • Investment management (mutual funds, exchange-traded funds (ETFs), stocks, bonds, options etc.)

  • Solutions for concentrated and/or appreciated stock positions

  • IRAs, 401(k)'s and other retirement plans

  • Socially responsible and impact investing

  • 10b5-1 plans

Asset Protection and Risk Management

  • Estate planning

  • Life insurance analysis

  • Property and casualty insurance analysis

  • Disability insurance analysis