Ryan Cole (BS, CFP®)

Ryan Cole focuses in the
following client markets or areas of practice:

  • Business Owners
  • Cash Flow/Budgets/Credit Issues
  • Corporate Executives
  • High Net Worth Client Needs
  • Investment Advice with Ongoing Management
  • Tax Planning

Planning Specialties

Ryan began investing at the age of 18 while earning his degree in business and management of technology at Clarkson University. Through his studies and over 15 years of investment experience, Ryan became a firm believer in asset diversification, risk minimization, tax-efficient investing and low-cost portfolio management. His financial know-how eventually led him to be a resource for friends and family, and he quickly discovered his passion for helping others with financial planning and investing. 

Today, Ryan is a managing partner at Citrine Capital, where he serves as a Investment Advisor Representative (IAR), California Life, Health and Disability Insurance Agent and a CERTIFIED FINANCIAL PLANNER™ (CFP®).

Previously, Ryan worked as a securities broker, financial planner and investment advisor representative at Ameritas Investment Corporation where he also earned his Series 6, 63 and 65 licenses. In 2014, he left Ameritas to found Cole Wealth Advisors, which evolved into Citrine Capital.

Born and raised in Philadelphia, Ryan has the pragmatism and objectivity of an East Coaster balanced by an easygoing, holistic attitude adopted from nine years in San Francisco. Outside of work, he enjoys traveling and exploring new places with his wife and two daughters, ice hockey, cycling, great food and great coffee.

Additional Information

Citrine Capital is a boutique, fee-only, San Francisco-based financial planning and wealth advisory firm committed to helping Gen X and Gen Y families, tech professionals and small business owners thrive.

Our comprehensive approach to financial planning is designed to free up our clients’ time and provide peace of mind by helping them make prudent financial decisions for themselves and those who depend on them. Specifically, we help them become financially organized, mitigate taxes, manage investments, plan for major life events, protect loved ones, and conserve and create wealth.

NAPFA Start Date

February 16, 2018

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This Office

535 Mission St Fl 14 San Francisco, CA 94105-3253 Phone: (415) 494-8262