Tax Planning & Preparation
When building and preserving wealth, tax planning and preparation can’t just be an annual event — you need ongoing, year-round planning and oversight from certified tax professionals.
Our in-house tax professionals specialize in guiding high-income earners through the complex tax landscape of the Bay Area, where both living costs and tax rates are the highest in the nation.
Keep more of what you earn while gaining financial clarity and peace of mind during tax season and all year long.
Proven Tax Planning Strategies that Work for You
Tax planning is central to our integrated wealth management approach. We work year-round to minimize tax liabilities every step of the way. From investment decisions to estate planning, our team implements tax-efficient strategies designed to benefit you both now and in the future.
Integrated Tax Planning Services for High-Earning Professionals
High earners face complex financial landscapes that demand more than basic tax prep, particularly in the Bay Area, where high taxes can limit your ability to grow and preserve your wealth.
Our tax team works with you to integrate effective tax strategies into your overall financial plan, so you can keep more of your earnings and secure the future you envision.
Tax Mitigation & Optimization
We’re proactive about reducing your tax liability now and in the future. Our experts use proven tax optimization strategies to lower your current burden, minimize future liabilities, and maximize after-tax returns.
Equity Compensation Planning
We understand the complexities of equity compensation and help you time exercises and sales for optimal outcomes. For founders and early employees, we also guide strategic use of QSBS exclusions and 83(b) elections to potentially reduce or eliminate capital gains taxes.
Business Owner Tax Planning
Own a business? We’ll help you structure your income, deductions, and retirement plans to maximize after-tax income, meaning you can reinvest more into your business and achieve your long-term goals.
Tax Preparation & Filing
Delegate your tax returns to our in-house CPA and tax professionals. No matter how complex your financial situation, we’ll leverage every available resource to maximize deductions and file your return accurately and on time.
Estate Planning Strategies
We help you preserve and transfer wealth through tailored estate planning, including trusts, generational planning, and tax-efficient gifting strategies such as Donor-Advised Funds — aligning your legacy with your values.
Real Estate Tax Strategies
We design tax-efficient strategies to help you grow and preserve real estate equity. From depreciation to 1031 exchanges, we bring deep expertise—especially with Bay Area properties.
Where Tax Planning Meets Comprehensive Wealth Management
Our financial planners and CPA work in tandem to create future-ready, tax-smart financial strategies tailored to your goals. With us, you can trust that you are in the hands of seasoned professionals with the tools and expertise to optimize every aspect of your financial life.
Wealth Management
Our financial advisors will work with you to create a balanced investment strategy to support your current needs and grow with you over time.
Asset Protection and Risk Management
We create personalized plans to help you safeguard your assets, from estate planning and wealth transfer to insurance analysis and IRS account monitoring.
Financial Planning & Analysis
We use data-driven insights and forecasting to help you make informed decisions, identify opportunities, and stay on track towards your life milestones.
Retirement Planning
From 401(k)s to IRAs and beyond, our retirement planning strategies offer the structure and insight you need to support your lifestyle and retirement goals.
High-Income Tax Planning for Bay Area Professionals
We proudly serve high-income individuals living and working in the Bay Area.
Our clients include startup founders and tech professionals with equity compensation, entrepreneurs with multiple income streams, and high-earning households looking to minimize tax liabilities and optimize investments, income, and retirement savings.
With us, you can rest assured that your financial life is guided by seasoned professionals with deep expertise in high-income tax planning and wealth strategy — serving clients across the Bay Area and beyond.
The Citrine Capital Difference
Citrine Capital is a leading boutique wealth management firm in San Francisco, with decades of combined experience serving Bay Area professionals and their families.
Fee-Only Fiduciary Model
Our fee-only model means our advice is always aligned with what’s in your best interest, not driven by commissions, sales, or hidden incentives.
Personalized Planning for Bay Area Professionals
With expertise in equity compensation, complex income structures, and high-cost-of-living challenges, our approach is tailored specifically for Bay Area professionals.
Client-Focused Wealth Strategies
We believe in building lifelong client partnerships, which is why we offer flexible, future-ready financial planning that keeps pace with your life and career milestones.
Take the First Step Toward Tax-Smart Financial Planning
If you’re seeking a trustworthy financial professional to reduce your tax liability and build a comprehensive, long-term strategy, we can help.
Start by filling out a short questionnaire so we can determine whether we’re the right fit. Then, we’ll schedule a meeting to discuss your needs, goals, and outlook.
We’re here to help you build a personalized plan that works for you.