Estate Planning and Wealth Transfer Strategies
When building wealth, estate planning is essential — especially if your assets include equity compensation, private stock, or shares in a fast-growing company.
We work with founders and tech professionals in the Bay Area and beyond to protect what they’ve built, preserve their legacy, and ensure their wealth is transferred smoothly to the people and causes that matter most.
Through the coordination of estate planning services and tax-efficient wealth transfer strategies, we help you coordinate a clear, future-focused plan - one that aligns with your values and supports long-term prosperity.
Protect What You’ve Built. Plan for What’s Next.
As a founder or tech professional, your financial picture is anything but simple. With the right plan, you can safeguard what you’ve earned and pass it forward - not just to your children, but to support your legacy for generations to come.
Proper estate planning helps avoid unnecessary taxes, prevents potential disputes, and ensures that your family is cared for according to your wishes.
In collaboration with seasoned estate attorneys, our financial advisors and in-house CPA specializes in estate planning services and wealth transfer strategies tailored to the unique needs of tech professionals - helping you protect your assets and transition your legacy with clarity and care.
Integrated Estate & Wealth Transfer Planning Services
Plan today to protect tomorrow. We offer comprehensive estate and wealth transfer planning services designed to help tech professionals and founders preserve what they’ve built - and ensure their legacy can continue to support future generations.
Trust Planning
We help structure revocable and irrevocable trusts in collaboration with your estate attorney - including advanced strategies like QSBS trust stacking - to protect assets, reduce estate taxes, and ensure your wishes are carried out.
Charitable Giving Planning
Using tax-efficient structures like charitable remainder trusts (CRTs) and donor-advised funds (DAFs), we’ll develop a charitable giving strategy that aligns your legacy with your values and long-term financial goals.
Liquidity & Insurance Strategies
Proper planning ensures your heirs have the resources they need. We’ll help you build smart liquidity and life insurance strategies to cover taxes and debts when it’s time to settle your estate.
Lifetime Gifting Strategies
Using the lifetime gift tax exemption, we’ll help you implement gifting strategies to reduce your estate size, minimize future taxes, and transfer wealth efficiently to the next generation.
Family LLC Planning
We guide clients in establishing Family LLCs to consolidate assets, maintain control, and streamline wealth transfer. These structures can offer liability protection, estate tax benefits, and a central governance framework for managing family wealth across generations.
Multi-Generational Planning & Education
We help founders and tech professionals build estate plans that go beyond asset transfer - creating strategies for educating future generations, preserving family values, and sustaining long-term financial security.
Comprehensive Financial Services for Every Stage of Life
As your life and career evolve, so do your financial needs. Whether you're navigating a liquidity event, planning for early retirement, or thinking about your legacy, we provide thoughtful guidance and practical strategies to support each stage of your journey.
Financial Planning & Analysis
Our expert CFPs help you create a customized financial plan that evolves alongside your life and career, giving you the structure you need to reach your goals.
Financial Independence & Lifestyle Planning
As your income grows, so do your opportunities. We guide you through larger lifestyle decisions - like early retirement or sabbaticals, relocating, or shifting your work focus - while maintaining financial flexibility and discipline.
Growth & Liquidity Planning
Whether you're preparing for a tender offer, secondary sale, or IPO, we help you plan around tax implications, manage concentrated equity risk, and make thoughtful decisions before, during, and after a liquidity event.
Who We Work With
We work with startup founders and tech professionals who make the San Francisco Bay Area a global hub of growth and innovation.
Rooted in a deep understanding of the region’s unique dynamics and financial landscape, our guidance is finely tuned to the realities of living and working here.
With Citrine, you can rest assured that your family’s financial future is in the hands of trusted experts who understand how to protect what you’ve built.
Why Bay Area Professionals Choose Us
We specialize in guiding high-achieving professionals through the financial complexities of life in the San Francisco Bay Area with personalized, conflict-free financial strategies.
Independent, Unbiased Advice
We operate on a fee-only fiduciary model - meaning we’re legally required to put your best interests first. Our only compensation comes directly from you, our advice is always independent, unbiased, and aligned with your goals.
Support When It Matters Most
Life doesn’t wait for annual reviews. Whether you’re facing a liquidity event, tax deadline, or a sudden opportunity, we’re responsive and available - offering thoughtful guidance when decisions need to be made.
Seamless, Integrated Planning
Our CFP® professionals and in-house CPAs collaborate seamlessly to deliver coordinated investment management, proactive tax planning, and holistic financial strategies - all aligned with your evolving goals.
Start Planning Your Legacy Today
You’ve worked hard to build your wealth and future. Now it’s time to make sure it’s protected and passed on with intention.
If you’re exploring estate planning and wealth transfer strategies, we’re here to guide you through the process with clarity and care.
Fill out a short form and we’ll schedule a meeting to discuss your financial picture and legacy goals.
We look forward to helping you plan with purpose.