https://citrinecapitaladvisors.com/blog daily 0.75 2026-03-27 https://images.squarespace-cdn.com/content/v1/532635b2e4b074f7f885535d/1562019500887-UZ7XHOFF6OD4B2IHQ3CW/Father-and-son-hiking-together-in-mountains-1135153722_3869x2580.jpg Financial Planning San Francisco | Blog https://citrinecapitaladvisors.com/blog/spacex-ipo-equity-planning monthly 0.5 2026-04-01 https://images.squarespace-cdn.com/content/v1/532635b2e4b074f7f885535d/1774649831691-6TELUKPUA07TDNVGVGLI/SpaceX+Launch.jpg Financial Planning San Francisco | Blog - SpaceX Equity: What Employees Need to Know Before and After an IPO - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://citrinecapitaladvisors.com/blog/lgbtq-financial-planning-considerations monthly 0.5 2026-03-21 https://images.squarespace-cdn.com/content/v1/532635b2e4b074f7f885535d/1774114077457-CIJEOJS59TCV2EG28INK/LGBTQ+Financial+Planning.jpg Financial Planning San Francisco | Blog - Essential Financial Planning Considerations for LGBTQ+ Individuals and Families - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://citrinecapitaladvisors.com/blog/what-happens-when-company-goes-public monthly 0.5 2026-03-04 https://images.squarespace-cdn.com/content/v1/532635b2e4b074f7f885535d/04563dfd-e2d0-4b43-8762-047aa2d3c471/what+happens+when+a+company+goes+public.jpg Financial Planning San Francisco | Blog - What to Do with Stock Options If Your Company Goes Public - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://citrinecapitaladvisors.com/blog/equity-tax-planning monthly 0.5 2026-02-26 https://images.squarespace-cdn.com/content/v1/532635b2e4b074f7f885535d/ffcbe6a8-ee8d-4ea6-8684-8425f0a1be69/equity+tax+planning.jpg Financial Planning San Francisco | Blog - Equity Tax Planning: Strategies for Navigating Taxes and Equity Compensation - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://citrinecapitaladvisors.com/blog/rsu-tax-planning-guide monthly 0.5 2026-02-04 https://images.squarespace-cdn.com/content/v1/532635b2e4b074f7f885535d/1769207164849-2D07TD9P6YNJLUGDL693/RSU+Tax+Planning.jpg Financial Planning San Francisco | Blog - RSU Tax Planning: Tips and Strategies for High-Net-Worth Professionals - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://citrinecapitaladvisors.com/blog/bitcoin-custody-methods monthly 0.5 2026-01-22 https://images.squarespace-cdn.com/content/v1/532635b2e4b074f7f885535d/035d1206-e3df-400d-aa82-6c0edb3e79ce/Bitcoin+Custody+Solutions.jpg Financial Planning San Francisco | Blog - Understanding Bitcoin Custody and Ownership: Choosing The Right Approach for You - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://citrinecapitaladvisors.com/blog/ai-and-bitcoin monthly 0.5 2026-01-23 https://images.squarespace-cdn.com/content/v1/532635b2e4b074f7f885535d/f4217986-2b1f-4739-88f9-1d06493dd59d/AI+and+Bitcoin.jpg Financial Planning San Francisco | Blog - AI and Bitcoin: How the AI Boom Is Strengthening Bitcoin - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://citrinecapitaladvisors.com/blog/world-reserve-currency-decline-wealth-protection monthly 0.5 2026-01-07 https://images.squarespace-cdn.com/content/v1/532635b2e4b074f7f885535d/1766949777794-6YEA3UNEEURJOJPMAMES/World+currency+image.png Financial Planning San Francisco | Blog - What Happens When a World Reserve Currency Declines - And How to Protect Your Wealth - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://citrinecapitaladvisors.com/blog/liquidity-events-tech-2026-guide monthly 0.5 2025-12-04 https://images.squarespace-cdn.com/content/v1/532635b2e4b074f7f885535d/1764866714260-2I74D6OMFVPOW8CHDC55/Tech-professional-reviewing-documents.jpg Financial Planning San Francisco | Blog - The Quiet Return of Liquidity Events in Tech: How Employees Should Prepare in 2026 - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://citrinecapitaladvisors.com/blog/debasement-trade-currency-exodus monthly 0.5 2025-11-22 https://images.squarespace-cdn.com/content/v1/532635b2e4b074f7f885535d/1762803397040-I8J903AQPNIICDCIBD8S/Gold+and+Bitcoin.jpg Financial Planning San Francisco | Blog - The Debasement Trade: Is This the Beginning of the Great Currency Exodus? 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Not Necessarily. - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/532635b2e4b074f7f885535d/efe6eb31-bed0-498e-b4ee-39a080068637/Footnotes+and+disclosures+for+blog+post.png Financial Planning San Francisco | Blog - Will Inflation Hurt Stock Returns? Not Necessarily. - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/532635b2e4b074f7f885535d/e008933f-6f6e-4682-b310-b5ba6dd052f1/Footnotes+and+disclosures+for+blog+post.png Financial Planning San Francisco | Blog - Will Inflation Hurt Stock Returns? Not Necessarily. - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/532635b2e4b074f7f885535d/34b095a2-c1d2-4ac4-9605-dab94806336a/Dimensional+Fund+Advisors+footnotes+and+disclosures+for+blog+post.png Financial Planning San Francisco | Blog - Will Inflation Hurt Stock Returns? Not Necessarily. - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/532635b2e4b074f7f885535d/3e2d77ad-afd8-407b-8d61-c4caaf23e922/Footnotes+and+disclosures+for+blog+post.png Financial Planning San Francisco | Blog - Will Inflation Hurt Stock Returns? Not Necessarily. - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://citrinecapitaladvisors.com/blog/2022/1/12/the-esg-case-for-bitcoin monthly 0.5 2025-07-21 https://citrinecapitaladvisors.com/blog/2021/2/10/the-bumpy-road-to-the-markets-long-term-average monthly 0.5 2021-02-11 https://images.squarespace-cdn.com/content/v1/532635b2e4b074f7f885535d/1613001177989-DHVBPPVOENK1PPBZE3CM/Screen+Shot+2021-02-10+at+3.52.29+PM.png Financial Planning San Francisco | Blog - The Bumpy Road to the Market's Long-Term Average Understand the range of potential outcomes can help you stick with a plan and ride out the inevitable ups and downs. https://citrinecapitaladvisors.com/blog/elections-impact-on-markets monthly 0.5 2025-09-08 https://images.squarespace-cdn.com/content/v1/532635b2e4b074f7f885535d/1602891309942-PH7KUSU5VTWZMRIJYELQ/Screen+Shot+2020-10-16+at+4.34.57+PM.png Financial Planning San Francisco | Blog - US Election Impacts on Markets: A Historical View Stocks have rewarded disciplined investors for decades, through Democratic and Republican presidencies. It’s an important lesson on the benefits of a long-term investment approach. https://citrinecapitaladvisors.com/blog/2020/9/22/why-investors-might-think-twice-about-chasing-the-biggest-stocks monthly 0.5 2020-10-20 https://images.squarespace-cdn.com/content/v1/532635b2e4b074f7f885535d/1600803106254-8JUZHQHISH9LD17R8R0G/Screen+Shot+2020-09-22+at+12.26.23+PM.png Financial Planning San Francisco | Blog - Why Investors Might Think Twice About Chasing the Biggest Stocks The Biggest Stocks https://citrinecapitaladvisors.com/blog/2020/8/28/market-returns-through-a-century-of-recessions monthly 0.5 2020-09-24 https://citrinecapitaladvisors.com/blog/2020/7/28/in-markets-as-in-traffic-impulsive-moves-may-not-help-you-get-ahead monthly 0.5 2020-07-28 https://citrinecapitaladvisors.com/blog/2020/6/24/large-and-in-charge-giant-firms-atop-market-is-nothing-new monthly 0.5 2020-08-28 https://images.squarespace-cdn.com/content/v1/532635b2e4b074f7f885535d/1593037193510-JKOFX2SY21KEMXUOFD5J/Screen+Shot+2020-06-24+at+3.11.06+PM.png Financial Planning San Francisco | Blog - Large and In Charge? Giant Firms atop Market Is Nothing New EXHIBIT 1: Same Old Story Weight of largest stocks by market capitalization in US stock market, 1927–2019 https://images.squarespace-cdn.com/content/v1/532635b2e4b074f7f885535d/1593037253012-4CUJTW37R7ALM9WKETZM/Screen+Shot+2020-06-24+at+3.15.28+PM.png Financial Planning San Francisco | Blog - Large and In Charge? Giant Firms atop Market Is Nothing New EXHIBIT 2: Big Board Largest 10 US stocks at the start of each decade https://images.squarespace-cdn.com/content/v1/532635b2e4b074f7f885535d/1593037307861-YWK167LMKX6HW0RWMMKM/Screen+Shot+2020-06-24+at+3.17.45+PM.png Financial Planning San Francisco | Blog - Large and In Charge? Giant Firms atop Market Is Nothing New EXHIBIT 3: Power Down Annualized return in excess of market for stocks after joining list of 10 largest US stocks, 1927–2019 Past performance is not a guarantee of future results. https://citrinecapitaladvisors.com/blog/2020/6/4/tech-pros-you-can-negotiate-your-layoff monthly 0.5 2025-05-14 https://citrinecapitaladvisors.com/blog/2020/5/26/under-the-macroscope-when-stocks-and-the-economy-diverge monthly 0.5 2020-10-20 https://images.squarespace-cdn.com/content/v1/532635b2e4b074f7f885535d/1590535955609-JIHI746143QYBY977XDW/Exhibit+1A_Under+the+Macroscope.png Financial Planning San Francisco | Blog - Under the Macroscope: When Stocks and the Economy Diverge https://images.squarespace-cdn.com/content/v1/532635b2e4b074f7f885535d/1590536012994-RIZV5ZDPCSDB4187T92R/Exhibit+1B_Under+the+Macroscope.png Financial Planning San Francisco | Blog - Under the Macroscope: When Stocks and the Economy Diverge Annual GDP growth rates obtained from the US Bureau of Economic Analysis. GDP growth numbers are adjusted to 2012 USD terms to remove the effects of inflation. Annual US equity premium is return difference between the Fama/French Total US Market Research Index and One-Month US Treasury Bill. Equity premium data provided by Ken French, available at mba.tuck.dartmouth.edu/pages/faculty/ken.french/data_library.html. Eugene Fama and Ken French are members of the Board of Directors of the general partner of, and provide consulting services to, Dimensional Fund Advisors LP. “One-Month Treasury Bills” is the IA SBBI US 30 Day TBill TR USD, provided by Ibbotson Associates via Morningstar Direct. https://images.squarespace-cdn.com/content/v1/532635b2e4b074f7f885535d/1590536239922-XN5YT0NTTDUOHFC51MVB/Exhibit+2_Under+the+Macroscope.png Financial Planning San Francisco | Blog - Under the Macroscope: When Stocks and the Economy Diverge Average equity premiums for countries sorted on debt https://citrinecapitaladvisors.com/blog/2020/5/21/long-term-investors-dont-let-a-recession-faze-you monthly 0.5 2025-10-28 https://images.squarespace-cdn.com/content/v1/532635b2e4b074f7f885535d/1590092333438-VPX14M23DM1VYZ3LYZIB/Performance+of+a+hypothetical+%2410k+invested+when+a+US+rececssion+began.png Financial Planning San Francisco | Blog - Long-Term Investors, Don’t Let a Recession Faze You long term investing https://citrinecapitaladvisors.com/blog/bumpy-road monthly 0.5 2026-01-23 https://images.squarespace-cdn.com/content/v1/532635b2e4b074f7f885535d/1589576607484-4H83AT0V81EE06UOSSV3/Screen+Shot+2020-05-15+at+2.02.10+PM.png Financial Planning San Francisco | Blog - The Bumpy Road to the Market's Long-Term Average S&P 500 INDEX ANNUAL RETURNS 1926 - 2019 https://citrinecapitaladvisors.com/blog/benefits-virtual-financial-planner monthly 0.5 2025-09-08 https://citrinecapitaladvisors.com/blog/2020/05/why-financial-planning-now-tech-professionals monthly 0.5 2020-05-07 https://images.squarespace-cdn.com/content/v1/532635b2e4b074f7f885535d/1588797431221-61EXHJ2LX421B32KFRLP/WhyNowChart.png Financial Planning San Francisco | Blog - Why Now Is a Good Time for Financial Planning for Tech Professionals Scenario: Investor Blue starts investing $5,000 at age 25 and stops at age 35. Investor Orange starts investing $5,000 at age 35 until retirement. Assume 8% annual return. At retirement, Investor Blue has invested $55K, and has $904K. Investor Orange has invested $155K, and has $666K (over $200k less than Investor Blue). https://citrinecapitaladvisors.com/blog/cares-act-small-business-relief monthly 0.5 2025-09-08 https://citrinecapitaladvisors.com/blog/2020/4/3/cares-act-recovery-rebates-student-loans-health-care-charitable-contributions monthly 0.5 2020-10-20 https://images.squarespace-cdn.com/content/v1/532635b2e4b074f7f885535d/1585940969594-9CKMS7GZO2KXR9HQ6Z9X/1.jpg Financial Planning San Francisco | Blog - CARES Act - Q&A about Recovery Rebates, Student Loans, Health Care & Charitable Contributions Maximum Rebates and Income Limits https://images.squarespace-cdn.com/content/v1/532635b2e4b074f7f885535d/1585941192903-UQRHQ1F2ESG438TE8XM3/2.PNG Financial Planning San Francisco | Blog - CARES Act - Q&A about Recovery Rebates, Student Loans, Health Care & Charitable Contributions income limits https://citrinecapitaladvisors.com/blog/2020/4/3/what-the-2020-stimulus-bill-cares-act-means-for-you monthly 0.5 2020-04-03 https://citrinecapitaladvisors.com/blog/2020/4/2/the-cost-of-trying-to-time-the-market monthly 0.5 2025-07-21 https://images.squarespace-cdn.com/content/v1/532635b2e4b074f7f885535d/1585848018065-TD2IWYKHHT9DNQVE0XO1/ttThe+Cost+of+Trying+to+Time+the+Market_Page_1.png Financial Planning San Francisco | Blog - The Cost of Trying To Time the Market Timing the Market https://images.squarespace-cdn.com/content/v1/532635b2e4b074f7f885535d/1585847950696-QNJ4GMXOEK5Z3C4OVAIM/ttThe+Cost+of+Trying+to+Time+the+Market_Page_2.png Financial Planning San Francisco | Blog - The Cost of Trying To Time the Market https://citrinecapitaladvisors.com/blog/2019/12/3/diversify-and-deriskify-your-rsus monthly 0.5 2020-10-20 https://images.squarespace-cdn.com/content/v1/532635b2e4b074f7f885535d/1575395302521-Z8P3TX4PAQ1933WWOJGH/Brianna_Diversification.jpg Financial Planning San Francisco | Blog - Diversify and DeRISKify your RSUs Diversify and DeRISKify your RSUs https://citrinecapitaladvisors.com/blog/2019/11/13/what-happens-when-you-fail-at-market-timing monthly 0.5 2025-07-21 https://images.squarespace-cdn.com/content/v1/532635b2e4b074f7f885535d/1573686970964-I689I8F59SOUIQDSNXAZ/Exhibit+1_What+Happens+When+You+Fail+at+Market+Timing.png Financial Planning San Francisco | Blog - What Happens When You Fail at Market Timing The missed best day(s) examples assume that the hypothetical portfolio fully divested its holdings at the end of the day before the missed best day(s), held cash for the missed best day(s), and reinvested the entire portfolio in the S&P 500 at the end of the missed best day(s). Annualized returns for the missed best day(s) were calculated by substituting actual returns for the missed best day(s) with zero. Performance data for January 1970-August 2008 provided by CRSP; performance data for September 2008-August 2019 provided by Bloomberg. S&P data provided by Standard & Poor's Index Services Group. Indices are not available for direct investment. Past performance is no guarantee of future results. https://citrinecapitaladvisors.com/blog/2019/10/3/quit-monkeying-around monthly 0.5 2025-07-21 https://images.squarespace-cdn.com/content/v1/532635b2e4b074f7f885535d/1570124789331-O5XUOM0J31BZV2Y89T2S/Screen+Shot+2019-10-03+at+10.44.52+AM.png Financial Planning San Francisco | Blog - Quit Monkeying Around! For illustrative purposes only. Illustration includes constituents of the Russell 3000 Index as of December 31, 2016, on a market-cap weighted basis segmented into Large Value, Large Growth, Small Value, and Small Growth. Source: Frank Russell Company is the source and owner of the trademarks, service marks, and copyrights related to the Russell Indexes. Please see Appendix for additional information. https://images.squarespace-cdn.com/content/v1/532635b2e4b074f7f885535d/1570124809285-6P2OC9W144AKGUAH9MZ9/Screen+Shot+2019-10-03+at+10.45.23+AM.png Financial Planning San Francisco | Blog - Quit Monkeying Around! For illustrative purposes only. Illustration includes the constituents of the Russell 3000 Index as of December 31, 2016 on an equal-weighted basis segmented into Large Value, Large Growth, Small Value, and Small Growth. Source: Frank Russell Company is the source and owner of the trademarks, service marks, and copyrights related to the Russell Indexes. Please see Appendix for additional information. https://citrinecapitaladvisors.com/blog/2019/8/2/ipos-profiles-are-high-what-about-returns monthly 0.5 2025-07-21 https://images.squarespace-cdn.com/content/v1/532635b2e4b074f7f885535d/1564780514803-G4Z1MOB73RXFBF4FS5KH/Picture1.png Financial Planning San Francisco | Blog - IPOs: Profiles Are High. What About Returns? Source: Dimensional using Bloomberg data. The sample includes US market IPOs, including US-domiciled companies and foreign-domiciled IPOs in the US, with an offering date between January 1, 1991, to December 31, 2018. Excluded from the sample are IPOs with an offer price below $5, unit IPOs (common stock and warrants), and IPOs involving real estate investment trusts, closed-end funds, American depository receipts, partnerships, and acquisition companies. IPO categories (small, mid, and large) are based on market cap rank relative to all US-domiciled common stocks as of the most recent month-end. Large, mid, and small cap are defined as firms that rank in the top 500, 501–1,000, and >1,000 by market value, respectively. https://images.squarespace-cdn.com/content/v1/532635b2e4b074f7f885535d/1564780699237-I7QUUJ4OHO07AFZQLDUI/aPicture1.png Financial Planning San Francisco | Blog - IPOs: Profiles Are High. What About Returns? Past performance does not guarantee future results. Source: Dimensional using Bloomberg data. The sample includes US market IPOs, including US-domiciled companies and foreign-domiciled IPOs in the US, with an offering date between January 1, 1991, to December 31, 2018. Excluded from the sample are IPOs with an offer price below $5, unit IPOs (common stock and warrants), and IPOs involving real estate investment trusts, closed-end funds, American depository receipts, partnerships, and acquisition companies. The hypothetical IPO portfolio is formed December 31, 1991, and is rebalanced monthly to include all firms with an IPO during the prior 12-month period. Weights are based on prior month-end market capitalization. Frank Russell Company is the source and owner of the trademarks, service marks, and copyrights related to the Russell Indices. Indices are not available for direct investment; therefore, their performance does not reflect the expenses associated with the management of an actual portfolio. https://citrinecapitaladvisors.com/blog/2019/7/1/timing-isnt-everything monthly 0.5 2025-07-21 https://images.squarespace-cdn.com/content/v1/532635b2e4b074f7f885535d/1562017890594-0LCX1D4R35G24E0ZEDPV/Picture44.png Financial Planning San Francisco | Blog - Timing Isn’t Everything In US dollars. Past performance is no guarantee of future results. New market highs are defined as months ending with the market above all previous levels for the sample period. Annualized compound returns are computed for the relevant time periods subsequent to new market highs and averaged across all new market high observations. There were 1,115 observation months in the sample. January 1990–present: S&P 500 Total Returns Index. S&P data © 2019 S&P Dow Jones Indices LLC, a division of S&P Global. All rights reserved. January 1926–December 1989; S&P 500 Total Return Index, Stocks, Bonds, Bills and Inflation Yearbook™, Ibbotson Associates, Chicago. For illustrative purposes only. Index is not available for direct investment; therefore, its performance does not reflect the expenses associated with the management of an actual portfolio. There is always a risk that an investor may lose money. https://citrinecapitaladvisors.com/blog/2019/6/10/the-randomness-of-global-equity-returns monthly 0.5 2025-07-21 https://images.squarespace-cdn.com/content/v1/532635b2e4b074f7f885535d/1560208936643-6AY5RKESBRT6B1IKYKZ0/Picture1.png Financial Planning San Francisco | Blog - The Randomness of Global Equity Returns Past performance is no guarantee of future results. MSCI country indices (net dividends) for each country presented. MSCI data © MSCI 2019, all rights reserved. https://images.squarespace-cdn.com/content/v1/532635b2e4b074f7f885535d/1560209062271-MXM0O6U3FYSJI2HTL8B2/Picture2.png Financial Planning San Francisco | Blog - The Randomness of Global Equity Returns Past performance is no guarantee of future results. MSCI country indices (net dividends) for each country presented. MSCI data © MSCI 2019, all rights reserved. https://images.squarespace-cdn.com/content/v1/532635b2e4b074f7f885535d/1560209271832-PCCEP8OVRAULDUC5G5SC/Picture3.png Financial Planning San Francisco | Blog - The Randomness of Global Equity Returns Past performance is no guarantee of future results. MSCI country indices (net dividends) for each country presented. MSCI data © MSCI 2019, all rights reserved. Indices are not available for direct investment; therefore, their performance does not reflect the expenses associated with the management of an actual portfolio. https://images.squarespace-cdn.com/content/v1/532635b2e4b074f7f885535d/1560209235207-6K66X8TUYJNMGTXWJEF3/Picture4.png Financial Planning San Francisco | Blog - The Randomness of Global Equity Returns Past performance is no guarantee of future results. Indices are not available for direct investment; therefore, their performance does not reflect the expenses associated with the management of an actual portfolio. Data presented in the Growth of $1 chart is hypothetical and assumes reinvestment of income and no transaction costs or taxes. The charts are for illustrative purposes only and are not indicative of any investment. See disclosures for more information on the Dimensional Global Market Index. https://citrinecapitaladvisors.com/blog/2019/5/3/the-uncommon-average monthly 0.5 2025-07-21 https://images.squarespace-cdn.com/content/v1/532635b2e4b074f7f885535d/1556920244242-NH8641FAH4DC5Y0ILNCK/Picture1.png Financial Planning San Francisco | Blog - The Uncommon Average In US dollars. S&P data © S&P Dow Jones Indices LLC, a division of S&P Global. Indices are not available for direct investment. Index returns are not representative of actual portfolios and do not reflect costs and fees associated with an actual investment. Past performance is no guarantee of future results. Actual returns may be lower. https://images.squarespace-cdn.com/content/v1/532635b2e4b074f7f885535d/1556920465517-MWL7AWOJMQXXTYTBFSR4/222222.png Financial Planning San Francisco | Blog - The Uncommon Average In US dollars. From January 1926–December 2018, there are 997 overlapping 10-year periods, 1,057 overlapping 5-year periods, and 1,105 overlapping 1-year periods. The first period starts in January 1926, the second period starts in February 1926, the third in March 1926, and so on. S&P data © S&P Dow Jones Indices LLC, a division of S&P Global. Indices are not available for direct investment. Index returns are not representative of actual portfolios and do not reflect costs and fees associated with an actual investment. Past performance is no guarantee of future results. Actual returns may be lower. https://citrinecapitaladvisors.com/blog/2019/3/12/video-special-the-power-of-financial-markets monthly 0.5 2025-07-21 https://citrinecapitaladvisors.com/blog/2019/2/4/dj-vu-all-over-again monthly 0.5 2025-07-21 https://citrinecapitaladvisors.com/blog/2018/12/19/why-you-should-play-with-fire monthly 0.5 2025-07-21 https://citrinecapitaladvisors.com/blog/2018/12/17/why-should-you-diversify monthly 0.5 2025-07-21 https://images.squarespace-cdn.com/content/v1/532635b2e4b074f7f885535d/1545093257229-UAERCU0HTO9IL3GZDZXV/Picture1.png Financial Planning San Francisco | Blog - Why Should You Diversify? As of December 31, 2017. Data provided by Bloomberg. Market cap data is free-float adjusted and meets minimum liquidity and listing requirements. China market capitalization excludes A-shares, which are generally only available to mainland China investors. For educational purposes; should not be used as investment advice. https://images.squarespace-cdn.com/content/v1/532635b2e4b074f7f885535d/1545093687197-PCGISFNISFL6FMJQD330/Picture2.png Financial Planning San Francisco | Blog - Why Should You Diversify? S&P data © 2018 S&P Dow Jones Indices LLC, a division of S&P Global. All rights reserved. MSCI data © MSCI 2018, all rights reserved. Indices are not available for direct investment. Index performance does not reflect expenses associated with the management of an actual portfolio. Past performance is not a guarantee of future results. https://images.squarespace-cdn.com/content/v1/532635b2e4b074f7f885535d/1545093567241-3FGBQC4LH7LTVOU6OHWT/Picture3.png Financial Planning San Francisco | Blog - Why Should You Diversify? Source: MSCI country indices (net dividends) for each country listed. Does not include Israel, which MSCI classified as an emerging market prior to May 2010. MSCI data © MSCI 2018, all rights reserved. Past performance is no guarantee of future results. Indices are not available for direct investment; therefore, their performance does not reflect the expenses associated with the management of an actual portfolio. https://citrinecapitaladvisors.com/blog/2018/11/5/midterm-elections-what-do-they-mean-for-markets monthly 0.5 2025-07-21 https://images.squarespace-cdn.com/content/v1/532635b2e4b074f7f885535d/1541467771627-LPQ1ZAQIHE382VC1F24A/Picture1.png Financial Planning San Francisco | Blog - Midterm Elections: What Do They Mean for Markets? Past performance is not a guarantee of future results. Indices are not available for direct investment; therefore, their performance does not reflect the expenses associated with the management of an actual portfolio. S&P data © 2018 S&P Dow Jones Indices LLC, a division of S&P Global. All rights reserved. https://images.squarespace-cdn.com/content/v1/532635b2e4b074f7f885535d/1541468135511-94IDF6T9ISIYS9WQDNDU/Picture2.png Financial Planning San Francisco | Blog - Midterm Elections: What Do They Mean for Markets? Past performance is not a guarantee of future results. Indices are not available for direct investment; therefore, their performance does not reflect the expenses associated with the management of an actual portfolio. S&P data © 2018 S&P Dow Jones Indices LLC, a division of S&P Global. All rights reserved. https://citrinecapitaladvisors.com/blog/2018/10/9/the-abcs-of-education-investing monthly 0.5 2025-07-21 https://images.squarespace-cdn.com/content/v1/532635b2e4b074f7f885535d/1539125576696-9MNKQ3U0VWZIIRZZV93Y/Picture1.png Financial Planning San Francisco | Blog - The ABCs of Education Investing Source: The College Board, “Trends in College Pricing 2017.” https://citrinecapitaladvisors.com/blog/2018/8/15/alternative-reality monthly 0.5 2025-07-21 https://images.squarespace-cdn.com/content/v1/532635b2e4b074f7f885535d/1534374444417-1TB546LIA4RCUE61D4G0/Picture1.png Financial Planning San Francisco | Blog - Alternative Reality Sample includes absolute return, long/short equity, managed futures, and market neutral equity mutual funds from the CRSP Mutual Fund Database after they have reached $50 million in AUM and have at least 36 months of return history. Multiple share classes are aggregated to the fund level. https://images.squarespace-cdn.com/content/v1/532635b2e4b074f7f885535d/1534374521041-XXEBODOCGBGH6A0KDRQP/Picture2.png Financial Planning San Francisco | Blog - Alternative Reality Past performance is no guarantee of future results. Results could vary for different time periods and if the liquid alternative fund universe, calculated by Dimensional using CRSP data, differed. This is for illustrative purposes only and doesn’t represent any specific investment product or account. Indices cannot be invested into directly and do not reflect fees and expenses associated with an actual investment. The fund returns included in the liquid alternative funds average are net of expenses. Please see a fund’s annual report and prospectus for additional information on a specific portfolio’s turnover and the expenses it incurs. Liquid Alternative Funds Sample includes absolute return, long/short equity, managed futures, and market neutral equity mutual funds from the CRSP Mutual Fund Database after they have reached $50 million in AUM and have at least 36 months of return history. Dimensional calculated annualized return, annualized standard deviation, expense ratio, and annual turnover as an asset-weighted average of the Liquid Alternative Funds Sample. It is not possible to invest directly in an index. Past performance is not a guarantee of future results. Source of one-month US Treasury bills: © 2018 Morningstar. Former source of one-month US Treasury bills: Stocks, Bonds, Bills, and Inflation, Chicago: Ibbotson And Sinquefield, 1986. Barclays indices © Barclays 2018. Russell data © Russell Investment Group 1995–2018, all rights reserved. Standard deviation is a measure of the variation or dispersion of a set of data points. Standard deviations are often used to quantify the historical return volatility of a security or a portfolio. Turnover measures the portion of securities in a portfolio that are bought and sold over a period of time. https://citrinecapitaladvisors.com/blog/2018/7/10/what-you-pay-what-you-get-connecting-price-and-expected-returns monthly 0.5 2025-07-21 https://images.squarespace-cdn.com/content/v1/532635b2e4b074f7f885535d/1532651386484-1ACQ3CXQ49QSONNS0CL5/1+%281%29.PNG Financial Planning San Francisco | Blog - What You Pay, What You Get: Connecting Price and Expected Returns https://images.squarespace-cdn.com/content/v1/532635b2e4b074f7f885535d/1532651449402-843U0ARM13NUNXUNC9AA/2+%281%29.PNG Financial Planning San Francisco | Blog - What You Pay, What You Get: Connecting Price and Expected Returns https://citrinecapitaladvisors.com/blog/2018/7/10/wheres-the-value monthly 0.5 2025-07-21 https://images.squarespace-cdn.com/content/v1/532635b2e4b074f7f885535d/1531268899201-TOF7JI58FCJK7D4G3QC3/Picture1.png Financial Planning San Francisco | Blog - Where's the Value? In US dollars. The one-year relative price premium is computed as the one-year compound return on the Fama/French US Value Research Index minus the one-year compound return on the Fama/French US Growth Research Index. Fama/French indices provided by Ken French. Indices are not available for direct investment. Their performance does not reflect the expenses associated with the management of an actual portfolio. Past performance is no guarantee of future results. https://images.squarespace-cdn.com/content/v1/532635b2e4b074f7f885535d/1531268991586-WVZUPVCQMIUXFL73NEZG/Picture2.png Financial Planning San Francisco | Blog - Where's the Value? - Exhibit 1. Historical Observations of 10-Year Premiums, Value minus Growth: US Markets 10-Year Periods ending 1937–2017 In US dollars. The 10-year rolling relative price premium is computed as the 10-year annualized compound return on the Fama/French US Value Research Index minus the 10-year annualized compound return on the Fama/French US Growth Research Index. Fama/French indices provided by Ken French. Indices are not available for direct investment. Their performance does not reflect the expenses associated with the management of an actual portfolio. Past performance is no guarantee of future results. https://images.squarespace-cdn.com/content/v1/532635b2e4b074f7f885535d/1531269629052-UR0B6136RXSL9N4DKHIF/Picture3.png Financial Planning San Francisco | Blog - Where's the Value? In US dollars. Based on rolling annualized returns using monthly data. Rolling multiyear periods overlap and are not independent. Fama/French indices provided by Ken French. Indices are not available for direct investment. Their performance does not reflect the expenses associated with the management of an actual portfolio. Past performance is no guarantee of future results. https://citrinecapitaladvisors.com/blog/2018/6/13/what-is-fiduciary-advice monthly 0.5 2025-07-21 https://citrinecapitaladvisors.com/blog/2018/5/25/getting-what-you-dont-pay-for monthly 0.5 2025-07-21 https://images.squarespace-cdn.com/content/v1/532635b2e4b074f7f885535d/1527283132945-6MKT0DSFYH7LZ7SWLMWE/Pic1.png Financial Planning San Francisco | Blog - Getting What You Don't Pay For https://images.squarespace-cdn.com/content/v1/532635b2e4b074f7f885535d/1527283021972-NGGNKA35888VRJ3NKQ1P/Untitled.png Financial Planning San Francisco | Blog - Getting What You Don't Pay For https://citrinecapitaladvisors.com/blog/2018/5/8/tuning-out-the-noise monthly 0.5 2025-07-21 https://images.squarespace-cdn.com/content/v1/532635b2e4b074f7f885535d/1525804552135-RNKI0GC50LUWQCGHZP83/ex1+%281%29.png Financial Planning San Francisco | Blog - Tuning Out the Noise © 2018 S&P Dow Jones Indices LLC, a division of S&P Global. All rights reserved. Not representative of an actual investment. Indices are not available for direct investment; therefore, their performance does not reflect the expenses associated with the management of an actual portfolio. https://images.squarespace-cdn.com/content/v1/532635b2e4b074f7f885535d/1525804636639-8ONM8S25X8LIYDDNE4GF/ex2+%281%29.png Financial Planning San Francisco | Blog - Tuning Out the Noise Source: Dimensional Fund Advisors. The firm surveyed almost 19,000 investors globally to help advisors who work with Dimensional better understand what is important to their clients. https://citrinecapitaladvisors.com/blog/2018/4/9/doing-well-and-doing-good monthly 0.5 2025-07-21 https://images.squarespace-cdn.com/content/v1/532635b2e4b074f7f885535d/1523317495739-WY5KH6XKPU3WPSEZWLIC/blog.png Financial Planning San Francisco | Blog - Doing Well and Doing Good? A Suggested Approach to Sustainability Investing https://citrinecapitaladvisors.com/blog/2018/3/15/key-questions-for-the-long-term-investor monthly 0.5 2025-07-21 https://images.squarespace-cdn.com/content/v1/532635b2e4b074f7f885535d/1521156829609-1YHVOV4I3ZR0WIT3C2MD/Pic1.png Financial Planning San Francisco | Blog - Key Questions for the Long-Term Investor Source: World Federation of Exchanges members, affiliates, correspondents, and non-members. Trade data from the global electronic order book. Daily averages were computed using year-to-date totals as of December 31, 2016, divided by 250 as an approximate number of annual trading days. https://images.squarespace-cdn.com/content/v1/532635b2e4b074f7f885535d/1521156984690-EN8J24IEJ7YDO8E5B5W0/Pic2.png Financial Planning San Francisco | Blog - Key Questions for the Long-Term Investor Source: *Mutual Fund Landscape 2017, Dimensional Fund Advisors. See Appendix for important details on the study. Past performance is no guarantee of future results. https://images.squarespace-cdn.com/content/v1/532635b2e4b074f7f885535d/1521157045841-UQA3T91PL4SQLTEJ5CN6/Pic3.png Financial Planning San Francisco | Blog - Key Questions for the Long-Term Investor Source: *Mutual Fund Landscape 2017, Dimensional Fund Advisors. See Appendix for important details on the study. Past performance is no guarantee of future results. https://images.squarespace-cdn.com/content/v1/532635b2e4b074f7f885535d/1521157094948-F4YO7EFTO4P88S2S7FLG/Pic4.png Financial Planning San Francisco | Blog - Key Questions for the Long-Term Investor US Small Cap is the CRSP 6–10 Index. US Large Cap is the S&P 500 Index. Long-Term Government Bonds is the IA SBBI US LT Govt TR USD, provided by Ibbotson Associates via Morningstar Direct. Treasury Bills is the IA SBBI US 30 Day TBill TR USD, provided by Ibbotson Associates via Morningstar Direct. US Inflation is measured as changes in the US Consumer Price Index. US Consumer Price Index data is provided by the US Department of Labor Bureau of Labor Statistics. CRSP data is provided by the Center for Research in Security Prices, University of Chicago. The S&P data is provided by Standard & Poor’s Index Services Group. Indices are not available for direct investment. Index performance does not reflect the expenses associated with the management of an actual portfolio. Past performance is no guarantee of future results. https://images.squarespace-cdn.com/content/v1/532635b2e4b074f7f885535d/1521157409680-D9U1FONUVB1LQSY5FDEC/Pic5.png Financial Planning San Francisco | Blog - Key Questions for the Long-Term Investor Relative price is measured by the price-to-book ratio; value stocks are those with lower price-to-book ratios. Profitability is a measure of current profitability based on information from individual companies’ income statements. https://images.squarespace-cdn.com/content/v1/532635b2e4b074f7f885535d/1521157474428-3ITTDPBZJ1HAX9AQLRQF/Pic6.png Financial Planning San Francisco | Blog - Key Questions for the Long-Term Investor Number of holdings and countries for the S&P 500 Index and MSCI ACWI (All Country World Index) Investable Market Index (IMI) as of December 31, 2016. The S&P data is provided by Standard & Poor’s Index Services Group. MSCI data ©MSCI 2017, all rights reserved. International investing involves special risks such as currency fluctuation and political stability. Investing in emerging markets may accentuate those risks. Diversification does not eliminate the risk of market loss. Indices are not available for direct investment https://images.squarespace-cdn.com/content/v1/532635b2e4b074f7f885535d/1521157531306-1VVC2FT2JYUZUBSH6JWH/Pic7.png Financial Planning San Francisco | Blog - Key Questions for the Long-Term Investor US Large Cap is the S&P 500 Index. US Large Cap Value is the Russell 1000 Value Index. US Small Cap is the Russell 2000 Index. US Small Cap Value is the Russell 2000 Value Index. US Real Estate is the Dow Jones US Select REIT Index. International Large Cap Value is the MSCI World ex USA Value Index (net dividends). International Small Cap Value is the MSCI World ex USA Small Cap Value Index (net dividends). Emerging Markets is the MSCI Emerging Markets Index (net dividends). Five-Year US Government Fixed is the Bloomberg Barclays US TIPS Index 1–5 Years. The S&P data is provided by Standard & Poor’s Index Services Group. Frank Russell Company is the source and owner of the trademarks, service marks, and copyrights related to the Russell Indexes. Dow Jones data provided by Dow Jones Indices. MSCI data ©MSCI 2017, all rights reserved. Bloomberg Barclays data provided by Bloomberg. Indices are not available for direct investment. Index performance does not reflect the expenses associated with the management of an actual portfolio. Past performance is no guarantee of future results. https://images.squarespace-cdn.com/content/v1/532635b2e4b074f7f885535d/1521157649911-UOT9AJG7P2KSK7PR5E69/Pic8.png Financial Planning San Francisco | Blog - Key Questions for the Long-Term Investor https://citrinecapitaladvisors.com/blog/2018/2/27/recent-market-volatility monthly 0.5 2025-07-21 https://images.squarespace-cdn.com/content/v1/532635b2e4b074f7f885535d/1519845584002-PPI1Q9MTIYPM5DEY6F7B/ex1.png Financial Planning San Francisco | Blog - Recent Market Volatility https://images.squarespace-cdn.com/content/v1/532635b2e4b074f7f885535d/1519845670823-FJM48OGAFHLLYKSL19AF/ex2.png Financial Planning San Francisco | Blog - Recent Market Volatility https://citrinecapitaladvisors.com/blog/2017/10/13/demystifying-what-it-really-costs-to-work-with-a-financial-planner monthly 0.5 2025-07-21 https://citrinecapitaladvisors.com/blog/2017/8/17/do-i-need-a-financial-advisor monthly 0.5 2025-09-08 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https://citrinecapitaladvisors.com/home daily 1.0 2026-03-04 https://images.squarespace-cdn.com/content/v1/532635b2e4b074f7f885535d/1559330273627-8ACGZNVF8BK3EZODDS96/image-asset.jpeg Virtual Financial Planner San Francisco | Citrine Capital https://images.squarespace-cdn.com/content/v1/532635b2e4b074f7f885535d/1559937777093-H1ONDXT46RSGBNLCDZ29/Woman+kissing+little+boy+on+a+surf+board+at+the+beach.jpg Virtual Financial Planner San Francisco | Citrine Capital https://images.squarespace-cdn.com/content/v1/532635b2e4b074f7f885535d/1561562973355-MDJCE8TFXVW40NEO7DYC/Parents-piggybacking-their-young-children-by-a-mountain-lake.jpg Virtual Financial Planner San Francisco | Citrine Capital https://images.squarespace-cdn.com/content/v1/532635b2e4b074f7f885535d/1561685206553-10QC85VVXZMXJ44Q03EH/Children+sitting+together+looking+over+a+canyon Virtual Financial Planner San Francisco | Citrine Capital https://images.squarespace-cdn.com/content/v1/532635b2e4b074f7f885535d/1589219688247-T0GO9SU4J67AU33FOV9Z/Kids+standing+at+the+end+of+a+dock+by+the+ocean.jpg Virtual Financial Planner San Francisco | Citrine Capital https://images.squarespace-cdn.com/content/v1/532635b2e4b074f7f885535d/1564175986467-CTOEO6E23QZDTD1KL82C/as+seen+in+-+website+v4.png Virtual Financial Planner San Francisco | Citrine Capital - As Seen in As Seen In…As https://images.squarespace-cdn.com/content/v1/532635b2e4b074f7f885535d/458c792a-303d-4859-9d8f-4cc37e1b9851/update+image+of+companies+that+Citrine+Capital+does+business+with.png Virtual Financial Planner San Francisco | Citrine Capital - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://citrinecapitaladvisors.com/about daily 0.75 2026-03-04 https://images.squarespace-cdn.com/content/v1/532635b2e4b074f7f885535d/1559938067221-KW5AHY26C0PMI4SSYRIX/Man+in+kitchen+baking+with+his+daughter.jpg About Citrine Capital Wealth Advisors https://images.squarespace-cdn.com/content/v1/532635b2e4b074f7f885535d/1561699005565-33GZ0BKRJ4U0YFBGW93P/Wild-nature-and-water-fun-on-summer-vacation-Camping-and-fishing.jpg About Citrine Capital Wealth Advisors https://images.squarespace-cdn.com/content/v1/532635b2e4b074f7f885535d/1561702672915-5J5F63RQ4LV4VR1040LL/Father-and-child-bonding-in-nature-584465130_3866x2580.jpg About Citrine Capital Wealth Advisors https://images.squarespace-cdn.com/content/v1/532635b2e4b074f7f885535d/59b6002c-a4d4-4d24-a1d8-176dd3398018/Citrine+Capital+comprehensive+approach+to+wealth+management.png About Citrine Capital Wealth Advisors - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/532635b2e4b074f7f885535d/1547158654934-YH7SP54VZK440MSVX81L/Ryan-Citrine+Employee+Headshot.png About Citrine Capital Wealth Advisors - Ryan Cole Ryan S. Cole, CFP® Founder, Chairman Ryan began investing at the age of 18 while earning his degree in business and management of technology at Clarkson University. Through his studies and over 20 years of investment experience, Ryan became a firm believer in tax-efficient investing and low-cost portfolio management. His financial know-how eventually led him to be a resource for friends and family, and he quickly discovered his passion for helping others with financial planning and investing. Previously, Ryan worked as a financial planner at Ameritas Investment Corporation where he earned his series 65 license. In 2014, he left Ameritas to found Cole Wealth Advisors, which evolved into Citrine Capital when Jirayr joined in 2016. Ryan is a CERTIFIED FINANCIAL PLANNER® professional with a specialty in equity compensation, taxation, and financial independence. He currently serves as the Managing Director of Citrine Capital. Born and raised in Philadelphia, Ryan has the pragmatism and objectivity of an East Coaster balanced by an easygoing, holistic attitude adopted from twelve years in the San Francisco Bay Area. Outside of work, he enjoys goofing around with his wife and four children, ice hockey, cycling, great food, craft beer, and lots of espresso. https://images.squarespace-cdn.com/content/v1/532635b2e4b074f7f885535d/1648160891257-3AB8J35EEIRR3CLE7GWA/Linkedin%2BLogo.jpg About Citrine Capital Wealth Advisors https://images.squarespace-cdn.com/content/v1/532635b2e4b074f7f885535d/0cf66914-3379-4996-be36-a0952e768935/Todd-Citrine+Employee+Headshot.jpg About Citrine Capital Wealth Advisors Todd Bartman, CPA Director of Tax Todd lives in Columbia South Carolina with his wife Pam and their two children Connor and Sophia. The children love the outdoors and Todd and Pam do their best to accommodate them with frequent camping and beach trips. Todd’s background is public accounting and his areas of focus include tax preparation, forward looking tax planning, tax research and resolving complex income tax issues with the IRS and state taxing authorities. Todd is a member of the South Carolina Association of CPAs, the American Institute of CPAs. He has a Master of Accountancy – Tax and a Bachelor of Science in business economics from the University of South Carolina’s Moore School of Business. https://images.squarespace-cdn.com/content/v1/532635b2e4b074f7f885535d/1670454165025-4YH0KRL5VUEHMI86NGFQ/Linkedin+Logo.jpg About Citrine Capital Wealth Advisors https://images.squarespace-cdn.com/content/v1/532635b2e4b074f7f885535d/1547159457828-XGCVD1UZZOELGSOO3LKC/Jirayr-Citrine+Employee+Headshot.jpg About Citrine Capital Wealth Advisors Jirayr R. Kembikian, CFP® Co-Founder, Managing Director Jirayr Kembikian, CFP® is a wealth advisor, managing director, and co-founder of Citrine Capital. He specializes in navigating the complexities of equity compensation, private investments, and Bitcoin wealth strategies. With over a decade of experience guiding clients through liquidity events and complex financial decisions, Jirayr brings a grounded yet forward-thinking perspective to building and preserving wealth. He began his career with one of the nation’s largest banks, where he witnessed firsthand the enduring impact of thoughtful financial planning. Before launching Citrine Capital, he was a financial planner at Ameritas Investment Corporation, where he helped hundreds of individuals, families, and small businesses design and implement plans to reach their goals. Jirayr is a CERTIFIED FINANCIAL PLANNER® and holds a degree in finance from San Francisco State University. Born and raised in Marin County, he remains active in his community through board service and local organizations. Outside of work, he is passionate about mountain biking, hiking, photography, international travel, and staying active in the outdoors. https://images.squarespace-cdn.com/content/v1/532635b2e4b074f7f885535d/1648594253742-HEFC2MD89H9KRZGK4LPE/Linkedin+Logo.jpg About Citrine Capital Wealth Advisors https://images.squarespace-cdn.com/content/v1/532635b2e4b074f7f885535d/1547160411883-I1SRWNXR1OAY5VX4R11M/download-1.jpg About Citrine Capital Wealth Advisors https://images.squarespace-cdn.com/content/v1/532635b2e4b074f7f885535d/1547160415103-FSQHP1AQKMM3J15NHOGN/download.png About Citrine Capital Wealth Advisors https://images.squarespace-cdn.com/content/v1/532635b2e4b074f7f885535d/4d414d32-91e8-4344-9411-0a52b8347629/Samantha-Citrine+Employee+Headshot.jpg About Citrine Capital Wealth Advisors - Make it stand out Samantha Mockford, CFP®, AFC® Associate Wealth Advisor (she/her) Sam studied economics at the University of California, Davis, then spent 14 years mentoring college students, spending 8 of those years overseas. Since joining Citrine, Sam has achieved the ACCREDITED FINANCIAL COUNSELOR® and CERTIFIED FINANCIAL PLANNER® certifications. She’s developed a reputation as a friendly nerd who will cheerfully help anyone make a budget based on their values. Sometimes reality can be scary, but she believes a good financial planner should allay anxieties and get people excited about the future. Sam lives with her husband and two sons in Sacramento, where she skis, swims on the local masters team, and finagles space on their small kitchen table for tabletop games and copious homemade baked sweets. Her happy place is her backyard, where she gardens and swings around on their ninja course. https://images.squarespace-cdn.com/content/v1/532635b2e4b074f7f885535d/1634665209575-G1K6T6PGPXW6L4B441DA/Linkedin+Logo.jpg About Citrine Capital Wealth Advisors https://images.squarespace-cdn.com/content/v1/532635b2e4b074f7f885535d/1623189241617-ZLOF90MSXITHVEUXF40T/Kiersten-Citrine+Employee+Headshot.jpg About Citrine Capital Wealth Advisors Kiersten Peshek, CFP® (they/them) Lead Wealth Advisor Kiersten started their journey towards a financial planning career in 2018 after learning about the basics of personal finance and how that knowledge can be used to help folks flourish personally and financially. Having always wanted a career helping others, this sparked a passion to become a fee-only financial planner to provide their clients with the guidance and advice needed to reach personal and financial goals. Prior to joining Citrine Capital, as a career changer, Kiersten had varied job experience in mortgage servicing, real estate appraisals, and as a tech professional. Today, Kiersten is a Lead Wealth Advisor with Citrine Capital, where they serve as a CERTIFIED FINANCIAL PLANNER® and Investment Advisor Representative (IAR) specializing in company equity, LGBTQ+ planning, and FIRE planning. As someone with a passion for helping others, Kiersten also volunteers as a Financial Coach with Habitat for Humanity Atlanta and is on the FPA of Georgia’s DEI Committee for 2024 whose goal is to bring more diverse people into the financial planning profession by doing outreach on college campuses around Georgia. Kiersten holds a degree in English and Spanish from Illinois State University as well as a Financial Planning Certificate from DePaul University. Born and raised in Illinois, Kiersten now lives in Columbus, Georgia with their husband and cute, black cat named Pounce. Kiersten is passionate about reading, yoga, baking, travel, supporting the LGBTQ+ community, and all things Financial Independence, Retire Early (FIRE). Favorite books: The Lord of the Rings Trilogy, Sister Outsider, Quiet: The Power of Introverts in a World That Can’t Stop Talking, Work Optional, the Heartstopper series, and Laziness Does Not Exist. https://images.squarespace-cdn.com/content/v1/532635b2e4b074f7f885535d/1623191045426-Q7EJFTF5D6UJ4GAQ3PTR/Linkedin+Logo.jpg About Citrine Capital Wealth Advisors https://images.squarespace-cdn.com/content/v1/532635b2e4b074f7f885535d/1740690215581-3UXDCJQN8MPUZ17U6NAC/XY+Logo.jpeg About Citrine Capital Wealth Advisors https://images.squarespace-cdn.com/content/v1/532635b2e4b074f7f885535d/5cf633e0-17a2-4e71-ac7e-283e3229b0ce/Melanie-Citrine+Employee+Headshot.jpg About Citrine Capital Wealth Advisors - Make it stand out Melanie Askey, MBA Manager of Operations Melanie is passionate about business strategy and thrives on creating streamlined, automated, and consistent processes that drive organizational efficiency. With an analytical mindset and a people-first approach, she brings balanced insight to every professional interaction. A former collegiate soccer player at the University of Lynchburg, she earned multiple academic and athletic honors and later completed her MBA at Loyola University Maryland, including an international study tour in Chile. Before joining Citrine, Melanie spent a decade at BGE HOME, advancing to Marketing Manager and leading integrated marketing strategy. She was selected for Exelon’s Emerging Leaders Program and later founded Askey Consulting, specializing in business and marketing strategy. Outside of work, Melanie enjoys hiking with her favorite podcast or Taylor Swift song, reading, snacking on guacamole and corn chips, playing with her dog, or cheering on her children in sports. https://images.squarespace-cdn.com/content/v1/532635b2e4b074f7f885535d/1740609079898-50BN8HJFBX2F2H3B10XW/Linkedin+Logo.jpg About Citrine Capital Wealth Advisors https://images.squarespace-cdn.com/content/v1/532635b2e4b074f7f885535d/13a9423c-e429-43e9-a2d1-05766a5d6994/Nick-Citrine+Employee+Headshot.jpg About Citrine Capital Wealth Advisors - Make it stand out Nick Loeffelman, CFP® Lead Wealth Advisor Nick began his financial planning journey through the University of Missouri’s CFP® Registered Financial Planning program. While in school, he participated in several financial planning events, including winning a comprehensive planning competition. Alongside his coursework, Nick co-owned and operated a small business in his community, which he successfully sold upon graduation before relocating to California. He was drawn to financial planning for the way it combines the technical elements of finance with the opportunity to help families bring their goals to life. His expertise lies in guiding clients through the complexities of equity compensation and liquidity events and translating those into actionable strategies. Before joining Citrine Capital, Nick began his professional career in mortgage banking, working closely with clients to identify the best solutions for their financial needs. Growing up in a military family, Nick experienced life and culture around the world. He now lives in Huntington Beach, California, where he enjoys skiing, surfing, woodworking, and exploring nearby hiking trails. https://images.squarespace-cdn.com/content/v1/532635b2e4b074f7f885535d/1634664611334-KZ6PNX70MMQKFNEIEG2O/Linkedin+Logo.jpg About Citrine Capital Wealth Advisors https://images.squarespace-cdn.com/content/v1/532635b2e4b074f7f885535d/d4436878-21ee-47bd-b69e-e4c56eedf360/Becca-Citrine+Employee+Headshot.jpg About Citrine Capital Wealth Advisors - Make it stand out Becca Reimnitz, CFP® Paraplanner Becca is a CERTIFIED FINANCIAL PLANNER® who holds a B.A. in Finance. Becca joins the team with over a decade of experience working in finance, marketing and operations. Prior to joining Citrine, Becca worked as a financial advisor at an investment advisory firm in the bay area. Becca is passionate about empowering people to take control of their finances and live their best life. 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