Citrine & Gold LLC
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$3,114,135
Clients
57
0% high-net-worth
Advisors
1
of 2 employees
Firm type
Independent
1 advisor with up to 2 employees
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
57
HighAverage account size
$54,634
About
Citrine & Gold provides discretionary and limited non‑discretionary portfolio management, comprehensive financial planning on a fixed or hourly basis, and investment analysis to individuals, trusts, estates, corporations and other business entities. The firm also conducts occasional complimentary educational seminars for clients and prospective clients on topics such as retirement strategies, estate and insurance planning, and education funding.
The firm implements tailored model portfolios and a strategic asset allocation framework organized around three client “stages” — Gain, Protect, and Spend — and uses a mix of active allocation, a “risk assist” tactical feature that can shift 0–100% into short‑term U.S. Treasuries, and “real spend” models that include a spend reserve and are designed to support specified annual distribution rates. Investment management is typically discretionary, and Citrine & Gold may utilize its custodian, AssetMark, as a subadviser and provider of model portfolios.
Noteworthy distinctions disclosed in the brochure include the firm’s combination of public educational programming and advisory services, and that its representatives are licensed insurance agents who may receive commissions on insurance sales — a potential conflict of interest the firm discloses and permits clients to address by choosing alternative agents. The firm also documents its Code of Ethics, soft‑dollar benefits received from its custodian, and the option for clients to receive standalone financial planning without engaging the firm for investment management.
Client services
Financial planning
Portfolio management
Selection of other advisers
Educational seminars or workshops
Expertise
General retirement planning
Cash flow / budgeting
Wealth management
Active portfolio management
Fee options
Fixed financial planning fees between $1,250 and $4,750 (negotiable)
1.00% annually (negotiable up to 1.7%)
$350/hour (financial planning, negotiable)
Account minimum: $1,000 Fee-only: Financial planning fees: $1,250 to $4,750 (fixed, negotiable), or $350/hour (hourly, negotiable)
Main office location
Citrine & Gold LLC
4045 Pecos St, Suite 210 15
Denver CO 80211, United States
Number of offices
1
Most active in
Citrine & Gold LLC has reported serving >5 clients in these states in the last 12 months.
Colorado
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Is not active or affiliated with:
-
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
-
Bank
They're affiliated with a bank that may offer its own financial products and services.
-
Trust company
They provide trust and estate administration services, typically for separate fees.
-
Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
-
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.
-
Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
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