Citrine Capital
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Citrine Capital serves individual and high-net-worth clients as well as small businesses, providing combined investment management and comprehensive financial planning services. Its planning scope includes retirement, estate, college funding, cash‑flow and risk‑management analysis, and the firm coordinates tax return preparation through third‑party providers as part of its offerings.
The firm’s investment approach blends fundamental, technical and cyclical analysis and is grounded in Modern Portfolio Theory, emphasizing diversified, tax‑efficient, low‑cost holdings and periodic rebalancing. Citrine Capital also uses third‑party sub‑advisors in select situations (including institutional managers such as Dimensional Fund Advisors) while retaining overall client oversight and ongoing plan monitoring.
Compared with many peers, Citrine Capital maintains an unusually broad physical footprint for a five‑adviser team — operating six offices — and has adopted a fixed annual advisory fee framework tied to client net worth rather than relying solely on percentage‑of‑AUM billing. The firm also facilitates digital‑asset custody relationships (e.g., Prime Trust), provides access to DFA investment platforms that require advisor approval, and staffs multiple CFP® practitioners and paraplanners to support its client work despite a relatively small client roster for its level of assets under management.
Client services
Expertise
Occupation focus
Fee options
Minimum fee: Annual fixed dollar fee generally ranging from $7,000 to $90,000 based on client's net worth Fee-only: Annual fixed fee for investment management and comprehensive financial planning services
Main office
See office535 Mission St, 14th Floor
San Francisco CA 94105
Advisors at this office
2
Offices (4)
Most active in
California · Georgia · Illinois · Texas · Washington
Also doing business as
Citrine Capital · Citrine Capital, LLC · Cole Wealth Advisors · Cole Wealth Advisors, LLC
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Quick links
Advisors at this firm
Samantha M
CFP®, Series 65
Sacramento, CA
Citrine Capital
Samantha Mockford is a CFP® and holds a Series 65 license with two years of industry experience. She has worked at Citrine Capital since 2023 and previously spent two years at Symphony Financial Planning. Prior to her financial advisory career, she was employed at Cru for 14 years. Citrine Capital serves individual and high-net-worth clients as well as small businesses, offering investment management alongside comprehensive financial planning and related services such as tax return preparation, college funding analysis, estate planning reviews, and business consultation. The firm employs a diversified, tax-aware investment approach within a Modern Portfolio Theory framework and manages accounts on a discretionary basis with regular monitoring and rebalancing.
Nicholas L
CFP®, Series 65
Huntington Beach, CA
Citrine Capital
Nicholas Loeffelman is a CFP® and holds a Series 65 license with four years of industry experience. He has been with Citrine Capital since 2021. Prior to his advisory role, he worked in various positions including at Intelliloan and operated a crepe cart business in Columbia, MO. Citrine Capital serves individual and high-net-worth clients as well as small businesses, providing investment management and comprehensive financial planning services. The firm employs a diversified, tax-aware investment approach within a Modern Portfolio Theory framework and offers continuous portfolio oversight alongside planning support and educational workshops.
Kiersten P
CFP®, Series 65
Columbus, GA
Citrine Capital
Kiersten Peshek is a CFP® professional with five years of industry experience, currently serving as an advisor at Citrine Capital since 2021. She previously worked at Black Diamond Planners and Braintree, a PayPal service. Citrine Capital serves individual and high-net-worth clients as well as small businesses, offering combined investment management and comprehensive financial planning services. The firm’s investment approach incorporates fundamental, technical, and cyclical analysis based on Modern Portfolio Theory, emphasizing diversified, tax-efficient, low-cost holdings with periodic rebalancing.
Jirayr K
CFP®, Series 63, Series 65
San Francisco, CA
Citrine Capital
Jirayr Kembikian is a CFP® with 13 years of industry experience, currently serving as an advisor at Citrine Capital, LLC since 2016. Based in San Francisco, CA, he holds Series 63 and Series 65 licenses and works within a team of five advisors. Citrine Capital serves individual and high-net-worth clients as well as small businesses, offering investment management alongside comprehensive financial planning and related services such as tax return preparation and estate planning reviews. The firm employs a diversified, tax-aware investment approach combining fundamental, technical, and cyclical analysis within a Modern Portfolio Theory framework, managing accounts on a discretionary basis with regular monitoring and rebalancing.
Ryan C
CFP®, Series 63, Series 65
San Francisco, CA
Citrine Capital
Ryan Cole is a CFP® with 12 years of industry experience, currently serving as an advisor at Citrine Capital, LLC since 2014. He holds Series 63 and Series 65 licenses and is also a Manager on the Board of Managers at HFP Corpus Partnership. Citrine Capital serves individual and high-net-worth clients as well as small businesses, offering investment management alongside financial planning and related services such as tax return preparation and estate planning reviews. The firm employs a diversified, tax-aware investment approach within a Modern Portfolio Theory framework and manages accounts on a discretionary basis with ongoing portfolio oversight.
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