Citrine & Gold LLC

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Lakewood, CO
Citrine & Gold LLC

I want to create change by providing creative financial ideas to humans and impacting their money st We encourage out of the box thinking. Let’s talk one-on-one.

We stand for a world where people are supported, cheered for, and encouraged to become the best version of themselves. A world where people not only believe but truly know that they can live the life of their dreams through connection, authenticity, awareness of ourselves, and grit. Where self-motivation, collaboration, and driven leadership are at the center of change. This business exists to bre

ak down barriers, self-beliefs, and change the rules of the capitalism game to create wealth for those that have never seen it. We believe in abundance. There is enough for all of us, and all of us are enough. We thrive on creating authentic relationships with everyone. We value time and experts in their field. No one can do it all and it’s better to value our time by paying others to do what they are best at. We value human differences by allowing our team to work in whatever way is best for them and their skills. We know that life needs a balance of work and play in order to live our best lives. We believe that by treating people well, in business or personal life, you will see them at their best and receive their best in return. We foster a culture of creativity, growth, connection, and authenticity. If you are a female business owner, part of the LGBTQ+ community, or are an ally who enjoys changing your mindset around money, contact me!

07/22/2026

A lot of people are out here holding up boulders they do not have to hold.

Your financial plan does not have to be one of them.

Figuring out how to pay down debt, save for retirement, protect your income, plan for your family, and build toward the life you actually want, all at the same time, is a lot to carry alone.

We help you figure out the full picture, put it in order, and carry the weight of the decisions with you. You do not have to hold this alone.

07/20/2026

Your financial advisor should grow with you. If yours has not, it may be time to explore your options.

We wrote a full guide on how to switch financial advisors as a high net worth individual. It covers what to look for, how wirehouses and independent RIAs actually differ, and how the transfer process works from start to finish.

https://citrineandgold.com/how-to-switch-financial-advisors-high-net-worth/

This post is for educational purposes only and does not constitute financial, legal, or tax advice. Citrine & Gold Financial Services is a Registered Investment Adviser registered with the State of Colorado. Registration does not imply a certain level of skill or training.

07/16/2026

Have you heard about Trump Accounts? 🤔

Trump Accounts are a new savings tool established as a type of individual retirement account for children. They became available in July 2026.

Any child under 18 with a valid Social Security number is eligible. Children born between January 1, 2025 and December 31, 2028 who are U.S. citizens receive a one-time $1,000 federal government deposit.

Parents, family members, employers, and charitable organizations can contribute up to $5,000 per child per year. Unlike traditional IRAs, children do not need to have earned income to have one. Individual contributions are made with after-tax dollars and are not tax-deductible.

Funds generally cannot be withdrawn until the end of the year the child turns 17. After that, the account is treated similarly to a traditional IRA.

Trump Accounts carry fewer tax advantages than some other savings vehicles like 529 plans, Roth IRAs, and HSAs. Financial experts are generally treating them as a complement to existing savings options rather than a replacement.

We are keeping an eye on how these accounts develop and what role they may play in family financial planning. If you have questions about how they fit into your overall picture, that is exactly what we are here for.

Link in bio to schedule a complimentary consultation.
Sources: IRS.gov/trumpaccounts | Congress.gov (CRS Report R48910) | Vanguard.com

This post is for educational purposes only and does not constitute financial, legal, or tax advice. Trump Account rules and eligibility requirements are subject to change. Consult a qualified tax or financial professional before making decisions based on this information. Citrine & Gold Financial Services is a Registered Investment Adviser registered with the State of Colorado. Registration does not imply a certain level of skill or training.

07/15/2026

I hear this ALL the time. Why hire a financial advisor?

Here is the kind of situation we work through every day:
Married couple, 40s, 2 kids. She's in tech (high salary) and equity compensation. He owns a small business with 5 employees. They are doing well. But the decisions are stacking up fast.

💰 Budgeting & Cash Flow
Her salary is predictable. His income fluctuates seasonally. We're building a system for both.

💳 Debt
There is potential to accelerate payoff of student loans, but the question is whether that money works best here or somewhere else.

🏖️ Retirement Plan
He needs an account created & to catch up. She gets a 401(k( match.

🎓 Education
2 kids, two 529 plans, tuition timelines that overlap. How much & what happens if one child gets a scholarship or does not go to college?

👨‍👩‍👧 Family
An aging parent may need financial support within the next 5 years. That needs to go into the plan now.

🛡️ Insurance
If either income disappears, the household feels it. Life insurance, disability coverage, and key person coverage for the business are all in process.

📈 Investments
They want to add rental properties to their portfolio eventually. Before that, we are working through the math and tax implications.

🧾 Tax Considerations
There are a lot of moving pieces. We are mapping it now so nothing surprises them.

👶 Kids
They want to bring the kids into the biz in age-appropriate roles. Done correctly, this can be a legitimate tax and financial strategy. Done wrong, it creates major problems.

📊 Net Worth
Both of their financial lives are in order and organized in one place, finally.

I don't just pick stocks. This is what a financial plan actually looks like.

This post is for educational purposes only and does not constitute financial, legal, or tax advice. The client scenario depicted is a hypothetical composite for illustrative purposes only and does not represent any specific individual or client relationship. Individual situations vary. Compensation strategies involving family members and businesses have legal and tax implications and should be evaluated with qualified legal and tax professionals.

07/14/2026

“Think of what truly makes you feel good, happy, safe, healthy.

Remind yourself that you earn money to be able to make those feelings a reality, and while you do have to spend to get there, you can spend efficiently by prioritizing your biggest and boldest joys.” ― Vivian Tu, Rich AF: The Winning Money Mindset That Will Change Your Life

07/07/2026

What Just Changed With Student Loans…And What to Do About It

July 2026 brought significant changes to federal student loan repayment. If you or someone you know carries student debt here is what you need to know:

The SAVE plan is gone. The Biden-era plan that covered more than 7 million borrowers officially ended July 1. If you were enrolled, your servicer will notify you and start a 90-day window to choose a new plan. If you do nothing, the government chooses for you.

Two new plans launched in its place:
1. Repayment Assistance Plan (RAP) - Income-based payments ranging from 1–10% of what you earn, with a $50/month reduction per dependent. Any interest beyond your monthly payment is waived.

2. Tiered Standard Plan - Fixed payments on a timeline tied to your balance: 10 years if you owe under $25K, up to 25 years if you owe over $100K. Only available to borrowers who take out at least one new loan after July 1.

Highlights:
→ If you consolidate existing loans or take out one new loan after July 1, you lose access to your old repayment options - so don't move without understanding the trade-off.
→ New grad students are now capped at $20,500/year and $100,000 total. Parent PLUS loans are capped at $20,000/year per child, with an aggregate limit of $65,000 per child.
→ The 90-day clock for SAVE borrowers is already running. Log in to your servicer and review your options now.

The information above is intended for educational purposes only. Every borrower's situation is different - loan type, income, employment, and future plans all affect which options are available to you and which makes the most sense. Please consult with a qualified financial professional before making any changes to your repayment plan.

Sources:
July 1 brings big student loan changes. Here's what you need to know : NPR
New Student Loan Changes Start Today—What Borrowers Need To Know : Forbes
What Is the New Repayment Assistance Plan (RAP) for Student Loans? : NerdWallet

Not sure which repayment plan makes sense for your situation?

We can help you think through it. Schedule a free consultation call and let's figure it out together.

07/06/2026

but for financial freedom ⚽️ 🤑

Who do you got in the finals?

06/29/2026

Financial freedom doesn’t happen by accident.

It happens because someone makes a decision to build a plan around what they are working towards.

06/25/2026

Somewhere there is a le***an couple approaching retirement who has put off talking to a financial advisor because the last one made them feel like they had to justify their relationship before the meeting could really begin.

That experience is more common than it should be.

You deserve an advisor who already knows the landscape your community navigates. Who already understands that your Social Security strategy looks different, that your beneficiary designations need to be airtight, that the legal protections available to you and your partner are not identical everywhere, and that your financial plan should reflect the life you actually built.

Citrine & Gold is a q***r owned fiduciary financial firm. We were built for this community because this community deserves better than having to explain itself first.

Your retirement is too important for anything less.

06/24/2026

Loving what you built.

We did not stumble into this. We built it on purpose. And yes, we are having a great time. 😁

Address

9635 W Colfax Avenue STE 302
Lakewood, CO
80215

Website

http://www.citrineandgold.com/

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