Citrine Capital

I have worked with Jirayr many times to discuss financial planning. He really listens to what we are looking to achieve and does not feel 1 investment vehicle will work for all investors like most financial planners. I am happy to have my investments with Citrine Capital and I look forward to expanding my portfolio and using their expertise as my guide.

I had a great experience with Jirayr. He helped me with comprehensive budget planning and was very understanding and flexible. The price was also very reasonable compared to other companies that I looked into. We’re continuing to work on my financial plan and I’m already beginning to see progress.

We feel SO LUCKY to have found Jirayr and Ryan at Citrine Capital through Unilocal!
We are in our late 30’s and have been married for a few years. We decided it was a good time to get a financial plan together, and although we were both saving on our own/​through company 401Ks, we weren’t entirely sure that we were on the right track for our future goals.
Let me just say — we found the whole experience entirely worth it, for a few reasons.
1) Over the course of a few meetings, Jirayr and Ryan have a system to take you from wherever you are at and get you on the path to where you want to be. They are organized, professional, and patient — I had a million questions and I never once felt brushed off or rushed. Also, we are not rich by any stretch but we were never made to feel like we weren’t important to them.
2) They completely hold your hand and explain everything to you along the way. They understand that talking about finances can be uncomfortable and potentially embarassing, but they never push you into doing something you don’t want. They will answer every question, help you in any way, and they will make suggestions for things you probably haven’t even thought of.
3) We left feeling like we have two awesome financial advisors in our back pocket who we can go to at any time. When you’re trusting your hard earned money to other people, knowing you can reach out to them at any time without being considered a nuisance is such a comfort.
Overall, we just really LIKE Jirayr and Ryan. They’re nice. They’re smart. We feel they are trustworthy. And for all the work they do, they are completely worth their fee!

I am writing to express my highest regard for Mr. Jirayr Kembikian. His professionalism, expertise and life-​changing support are unmatched. Upon first meeting with Mr. Kembikian, I was initially struck with his warmth, understanding and compassionate manner of connecting. He not only allowed time for me to share my hopes and goals, but also my fears and concerns about my own financial circumstances and about working with a financial advisor. Mr. Kembikian introduced me to his detailed, data-​driven process in a clear, supportive and knowledgeable manner. His ability to pair the depth and breadth of his knowledge with the soft skills of human connection around an essential yet vulnerable area of life is unrivaled. In my own career, as a psychologist, I deeply value the ability to build rapport and trust quickly with people. Mr. Kembikian not only demonstrated a consummate ability to connect in these essential ways, but he uses humor to bring lightness and fun to a process that could otherwise be overwhelming and dry to someone with little investment experience or prior interest. He introduced me to concepts and techniques for maximizing my investments and financial potential by stabilizing my future to prepare me to live life fully. Mr. Kembikian’s intention is to forge a lifelong relationship with his clients. Over the course of decades, he will help me to make the decisions necessary for my partner and me to live into old age with comfort and security, while increasing our capacity to reach our short and medium term goals. For the first time, I feel that I have an advisor for life, with whom I can consult and ask questions. The comfort this provides me is tremendous given that, before meeting Mr. Kembikian, I felt uncomfortable asking such questions for fear of sounding uninformed or ignorant. Since beginning this process with Mr. Kembikian, I have not only referred my clients and colleagues to him, but whole-​heartedly referred to him my closest friends and family members. Without reservation, I will rely on Mr. Kembikian during times of career, family and financial transition and will turn to him for consult when facing minor and major life decisions. I look forward to continuing to learn and benefit from Mr. Kembikian’s wisdom, expertise and guidance for years to come.

I have known Jirayr and Ryan for many years. I have very happy that they have decided to partner together to share their knowledge and experience in assisting clients with their wealth management and financial planning.
When first meeting them, you will be at ease immediately. They are easy to speak to and hard working to get your financial goals on the right path. You are in great hands!

I started working with Jirayr 2 months ago and recently signed up with him.
What attracted me their firm, is that they focus on Young professionals (25 – 35 years old), which was really helpful, as most big firms require $ 150k-​$ 250k minimum investment, which young professionals may not have.
He took out the time to answer multiple queries in a well organized manner and inspired confidence in me that I could trust him with my financials.
Also, I always assumed that financial advise was only about investing. But he provided much more value than that, as he helped my planning my financials as well as informed me about insurances and why one must have them.
I could have gone with a Roboadvisor at a lower fee, but then I wouldnt have the comfort of being able to talk to someone who answers all my questions until I am comfortable with the plan.
Thanks Jirayr, I look forward to a long and fruitful relationship!

I had some apprehension about meeting with a financial planner for the first time. Jirayr made me feel very comfortable and at ease and took the time to get to know me as a person not just a portfolio. He is very educated in his field and his expertise made me feel confident in trusting him with my financial future. He was professional, courteous and really took the time to listen to my thoughts and concerns then created a financial plan tailored to my specific needs and goals.
I had a great experience with Jirayr and I left knowing that my financial future is secure and that he will continue to be there to help me make sound investment and financial decisions in the future.

I have been working with Jirayr from Citrine for about 4 years now. Jirayr has come into our company multiple times and helped out with the 401K plans. He explained everything to the employees. I am a busy person, the best part is he comes to your office so you don’t have to drive anywhere. It has been a pleasure working with Jirayr over the years and our portfolio is growing because of it.

I have worked with Jirayr for 5 years now and have referred all my friends to him. He’s my go to guy for financial advice and is always there to answer questions anytime I need his help. It’s hard to find a trustworthy financial planner but Jirayr goes above and beyond.

I have MORE MONEY NOW than I ever did BEFORE I met Jirayr @ Citrine. What else can I say? It was incredibly hard for me to save and whenever I tried to invest on my own, I’d always bet wrong. Seriously. I was the poster child for what NOT to do with money.
I’m really glad I met Jirayr and let him take over where I so desperately needed major investment intervention. It was definitely the best financial decision I’ve ever made.
I promise, if you stay with this guy long enough, you will have more money than you do right now. Simple as that.
…or you can go invest in Twitter and cross your fingers like I used to do ;)

Jirayr has been handling my wife and I’s finances for a little over a year and we couldn’t be happier with his services. He will explain everything to you so you can understand in terms you will understand. I’m a Contractor I can tell you about Roof Rafters and Rim joists but when it comes to talking about finances I need things explained to me in laymans terms sometimes and Jirayr has no problem doing that for me. My wife and I also have crazy hectic schedules and Jirayr always meets with us on our terms. I highly recommend Jirayr and Citrine Capital to anyone and everyone I know! Thank you Jirayr

I have really enjoyed working with Jirayr Kembikian. He is someone who you can genuinely trust, and also see his passion for helping others and personal finances.
Jirayr was consistent and structured during our meetings. He was professional and always took the time to address my questions. Jirayr made me feel comfortable with my present plan, while laying the foundation for future success.
I am confident Jirayr will continue looking out for my best interest while suggesting new investing opportunities. I look forward to continuing my professional relationship with Jirayr and Citrine Capital.

I have worked with Jirayr and Citrine for a while now, and I can honestly say I feel so much more peace of mind now than ever before. I’ve had other financial advisers, but I didn’t get much out of it. Previously, they were disconnected and didn’t put things in terms I understood. The good thing about Jirayr and Citrine is he will explain as little or as much as you want, and actually educates you along the way so you feel empowered. I learned so much about the whole process and products out there that I never even knew existed. Better yet, he found ways for me to cut costs in ways I didn’t even think I could, or ways I didn’t think mattered. By saving a few bucks here and there, it has definitely added up and I feel confident in his investment advice as well. Financial planners are for everyone, not just the rich. Everyone needs a sound financial roadmap, whether you’re just starting out, or you have an established business or career. I’ll be a client for life.

I am a small business owner and need all the help I can get managing my income and investments. Ryan has helped me set up a clear plan as well as answer questions for both my fiancé and myself. When he doesn’t know the answer to something right off hand, his research is thorough and efficient. I feel confident i his hands.

Ryan is an awesome guy. Came to him to help me with my investments and planning for the future. His wealth of financial knowledge is incredible and definitely has helped me understand more about areas I had not understood fully. He’s an approachable guy with a professional demeanor. I’d recommend him to anyone who is interested in investing in their future — solid guy!

I can’t say enough good things about Ryan. After spending many years feeling guilty about not taking my finances seriously (I come from a family of financial advisors for goodness sakes!), Ryan made the experience stress-​free for me. I felt from the start that he was on my side. And was willing to take it at my pace. He is patient and never makes me feel stupid for sometimes not knowing the most basic things about money. I highly recommend Ryan professionally. AND he’s fun to hang out with too! Genuinely nice guy. Thanks Ryan!

Where do I begin? Ryan has helped me in so many different ways. I feel like he has really listened to my needs and understands my goals. I think my favorite thing about working with Ryan is his flexibility. I moved out of state and he’s still been extremely accessible. He’s also been so patient with me as I learn about my finances. Working with him over the past several years has been a great experience, and I feel much more secure in my future because of it!

As a nurse I had very little financial knowledge, but I knew that I wanted to be more efficient with saving. Ryan was so patient with me as I had a lot of questions! I was able to set up multiple different investments so that I could meet both my short and long term goals. Ryan is also quick and efficient when it comes to making changes to my investments. He is down to earth and easy to talk to. I would recommend him to anyone interested in learning how to be more efficient with your money!

My wife and I were on the fence about needing a financial planner – We have a stable situation and felt that there wasn’t much more we needed to know to reach our family’s goals. However, Ryan not only made us feel comfortable with him and our financial position, but also pushed us to pursue bigger goals without us feeling out of our comfort zone. With our first child on the way, Ryan has been instrumental in preparing our finances for the future. I would highly recommend Citrine Capital for friends and strangers alike.

My wife and I were on the fence about needing a financial planner – We have a stable situation and felt that there wasn’t much more we needed to know to reach our family’s goals. However, Ryan not only made us feel comfortable with him and our financial position, but also pushed us to pursue bigger goals without us feeling out of our comfort zone. With our first child on the way, Ryan has been instrumental in preparing our finances for the future. I would highly recommend Cole Wealth Advisors for friends and strangers alike.

When my wife and I first contacted Ryan, we had a good amount ($ 30,000) of credit card debt and no real game plan for paying it off. Ryan analyzed all of our expenses and with his guidance we were able to pay everything off in 2 years time. Since then our family has grown and Ryan also got us set up with life insurance, consolidated our 401k’s, set up a college fund for the little one and is currently advising us on how build towards buying our first home. I am confident that everyone could benefit from the services he provides.

I’m using my wife’s account to write this review. I’ve known Ryan for a few years now. First, as a hockey team mate, and now as a financial advisor. He has been great at both. My wife and I have gone through a lot of changes over the past 3 years. We got married, bought a house, got some new cars, started new jobs, and had a baby. Ryan went over both of our work benefits, our finances, retirement plans, and future planning with a fine tooth comb. I ended up consolidating my multiple 401ks and IRAs into a single account to easily manage it and also increase my current 401k contribution to help secure my retirement. With the baby, we talked about different options for college savings. I ended up having him set us up with a 529 for my daughter’s future tuition. Ryan is quick with his replies and has been able to meet with me when needed. He helped explain the tax implications with RSAs and stock options and even did some real estate research on a home we might get in Greece. I could not be happier to have Ryan as my financial advisor.

My wife and I met with Ryan about two years ago when we had finally decided it was time to take our finances more seriously. To my pleasant surprise, taking this topic more seriously did not mean making it of source of pain and confusion. Ryan comes across as a down to earth, practical kind of guy who seems to run his practice in the same manor. In working with Ryan I’ve found that there are some pretty simple things you can do to get your financial life in order. I highly recommend finding someone who can help you build a plan for your financial future, and in my opinion Cole Wealth Advisors is a solid option.

Ryan is a great guy, someone who listens to what your financial concerns and goals are and actually hears you. Over the last few years our portfolio looks stronger and stronger with his help. He is down to earth and easy to talk to, yet professional and knowledgable. I would totally recommend him to my friends and family. We have been very pleased with his management and advice as our wealth advisor for the last few years.

Citrine Capital has supported me in making wise, diligent, and long-​term financial decisions. Ryan Cole simplifies the process and makes it feel both personal and easy. I feel assured in the choices I make and know I am in good hands. I have utmost confidence in Ryan’s ability to keep my best interests in mind, while also ensuring a vibrant financial future.