Ryan Cole, CFP® Citrine Capital

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About Ryan Cole, CFP®

I help busy professionals, families, and entrepreneurs master their finances to conserve and create wealth. I empower my clients to gain control of their finances and create a healthy relationship with their money – one that is free from stress and anxiety. My process involves working collaboratively with clients to develop, implement and monitor a comprehensive action plan designed to align their actions with their intentions.

My areas of focus include strategic financial planning, investments and risk management.

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Recently Published

Déjà Vu All Over Again

February 4, 2019

Investment fads are nothing new. When selecting strategies for their portfolios, investors are often tempted to seek out the latest and greatest investment opportunities.

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Why You Should Play with FIRE

December 19, 2018

A growing contingent of millennials and Gen Xers are stashing away between 40 to 80 percent of their take-home pay to join the FIRE movement. Their goal is to reach financial independence and free themselves from their corporate nine to five’s, allowing them to travel, raise families and work on their own terms. The lucky ones are reaching Financial Independence, Retire Early (FIRE) in as little as five to 10 years by working hard to increase their earning while simultaneously living a lifestyle of frugality.

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Why Should You Diversify?

December 18, 2018

As of 2019 approaches, and with US stocks outperforming non-US stocks in recent years, some investors have again turned their attention towards the role that global diversification plays in their portfolios.

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Ideal Clients

  • Gen X
  • Parents
  • Small Business
  • Technology Professionals

Ways Advisor Charges

  • Monthly Fee
  • Flat Fee
  • Assets Under Management

Fee Options

  • Financial Plan fee –
    A one-time fee ranging from $4,000 to $10,000 is due at the completion of your wealth management plan. The amount is based on the complexity of your financial picture and needs. This fee is waived for clients who utilize our ongoing financial planning and wealth management services.
  • Annual Fee –
    The annual fee covers our ongoing financial planning and wealth management services. This fee starts at 0.95% of assets under management, and this percentage decreases as the amount of managed assets increases. The exact percentage depends on the total amount of assets managed by us. The annual fee is subject to a minimum of $4,200 per year ($350 per month).

SEC Records

States Registered

  • California

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