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September 2023 by Andrew Ehrich
Jirayr and his team are fantastic. They are first and foremost extremely knowledgable, and what they don't know, they will run down the most minute detail. More importantly in my book, however, they take a refreshingly holistic perspective on financial planning. It's not just about getting the most financial returns--it's about optimizing for what you say is important in your life. Of course, they maximize financial returns as well, but in the context of everything else that's important to you. I appreciate that they share their honest opinions and let us know what they consider the best course of action, but they are also willing to listen if we say that doesn't fit what we're thinking. Overall, we could not be happier to have chosen Citrine and look forward to working with them well into the future.
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March 2023 by Sam Meder
Citrine has advised us for a couple of years now and I really appreciate their holistic approach. From covering insurance, investments, taxes to giving clear guidance on financial goals.
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February 2023 by Geoff Shepherd
Jirayr and the team at Citrine Capital are the most professional, reliable and knowledgeable financial planning office I have encountered in my 20+ years of working in the insurance and financial planning industry. Their approach is client-centric, focusing on all areas of the clients lives, not just the investment piece. Their clients trust them and look for guidance in many areas of their lives. Citrine Capital is elite.
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December 2022 by Jessie Kitchens
We've been working with Jirayr and Nick for the past year and are so happy with the partnership. The team has helped us establish a financial foundation that makes me feel confident about our family's future - from goal setting to budgets to investing to estate planning, we feel so much more knowledgeable and empowered from their guidance. They take a responsible approach to investment sources and always have my best interest in the foreground.
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December 2020 by David Tully
I couldn't recommend Citrine Capital and Sefa more highly. We moved to the Bay Area a number of years ago and spent a lot of time looking for the right wealth advisor for our family. Sefa was head and shoulders above everyone else we spoke to and she has exceeded our expectations every step of the way. She really understands our family and what we're looking to achieve, she has offered us incredible advice on so many topics, she's incredibly responsive and makes the whole thing feel easy. We're so happy we made the choice and we'll be working with Sefa for many years to come.
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December 2020 by Nadia W.
We feel so fortunate to have Sefa as a wealth advisor for our family! From the beginning, Sefa showed that she understood our layered financial picture, our family’s particular needs and she set the tone that she’d work with us in a knowledgeable, pleasant, clear and open manner. A straight shooter, we trust Sefa as she’s shown herself to be realistic yet positive and confident. After setting our plan, she has been unflappable and responsive as financial matters and shifts have come up, while she continues to move us toward our long-term goals. Sefa’s focus and professionalism are admirable; her knowledge and thoughtfulness were needed and are much appreciated!
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December 2020 by Erin
I was looking for a fiduciary, and had a fantastic experience with CFP Sefa. She is responsive, knowledgable, and dedicated to improving her clients' financial standing. I am zero percent surprised to see that I am merely echoing the experiences of previous reviewers. If you're reading this, you're lucky to have found Ms. Mawuli, and she's certainly an asset to Citrine. Thank you, Sefa!
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December 2019 by Michael
Citrine has advised my family on financial planning, budgeting, and optimization since 2017. They will have my business for as long as there is money :-) Whether you are considering a move from general financial planning software to a real CFP, or transitioning from another big faceless firm, don't waste your time looking anywhere else. Top notch, Class-A advising that is the ideal combination of financial accountability and financial wisdom. On top of it all, they treat you just like family. Highly, highly recommend.
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December 2017 by Nick Castro
I've known Jirayr for over 10 years and worked with him for 5 of those years and I'm very impressed with the way he does business. He helped bring me out of debt while delivering incredibly helpful financial advice. I have been benefiting ever since and felt more secure because of it. Now he handles all of my investments and has helped me secure my financial future, both long term and immediate. I would never want to work with anyone else.
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December 2016 by Kristina Tarin
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.
