Fiduciary Financial Firm in Denver
Citrine & Gold is an independent Registered Investment Advisor (RIA) headquartered in Denver, Colorado. As a fiduciary financial firm, we are legally obligated to act in our clients’ best interest when providing advisory services.
That fiduciary responsibility shapes how we deliver financial planning and investment management. It means we provide advice aligned with your goals, disclose material conflicts of interest, and operate within a regulatory framework designed to protect investors.
For a deeper explanation of what fiduciary responsibility means, you can visit our detailed blog:
→ What Is a Fiduciary Financial Advisor?
While our office is located in Denver, we also serve clients virtually across the United States through secure, technology-enabled financial planning platforms.
Financial Planning With Transparency and Intention
At Citrine & Gold, financial planning is not transactional, it is relational.
We begin with a thorough discovery process designed to understand:
• Your long-term goals
• Your risk tolerance
• Your business interests (if applicable)
• The values that shape your decisions
Because financial lives are complex, we approach planning with transparency, intention, and structure. Rather than focusing on short-term market movements, we emphasize long-term holistic strategy, and coordinated retirement planning.
You can explore our core services here:
→ Financial Planning
→ Investment Management
Ultimately, our goal is to help you make informed decisions with confidence.
Inclusive Financial Services
Citrine & Gold was built with intention. We believe financial services should be welcoming, affirming, and grounded in respect.
We are proud to support members of the LGBTQ+ community and individuals seeking financial planning aligned with their identities and values. Creating a safe environment for financial conversations matters – especially when navigating topics like marriage, family planning, business ownership, or long-term wealth planning.
In addition to inclusive planning conversations, we also support values-based investment strategies when appropriate. For many clients, aligning financial decisions with personal values is part of building long-term confidence.
Independent and Client-Focused
As an independent Registered Investment Advisor, Citrine & Gold maintains autonomy in how financial advice is structured and implemented.
Independence allows us to:
• Provide fiduciary advisory services
• Structure portfolios based on client goals
• Deliver planning without product-driven incentives
• Maintain transparency in compensation
While independence does not eliminate investment risk – all investments involve risk, including possible loss of principal – it does allow us to structure advice within a best-interest framework.
For individuals who value transparency and long-term alignment, understanding how an advisory firm is structured can be an important part of the decision-making process.
Serving Denver and Clients Nationwide
Our physical office is located in Denver, Colorado. We meet with clients in person and virtually, supporting professionals, families, and business owners throughout the country.
Denver’s growing community of entrepreneurs, remote professionals, and values-driven investors often requires financial planning that balances flexibility with structure. As fiduciary advisors, we are committed to helping clients navigate that balance.
At the same time, we work with clients across the United States through secure virtual planning platforms. Whether you are in Colorado, California, Illinois, or elsewhere, fiduciary financial planning can be delivered consistently and securely.
Meet the Team
Brynna Wilson
She/They
Founder, CEO, & Lead Financial Advisor
Series 7, 63, 65, 6, and Life & Health certifications*
Brynna has an educational background in business and entrepreneurship from the University of Charleston, alongside hands-on experience in business management at her family’s restaurant: White Fence Farm, previously located in Lakewood, CO.
Brynna offers a unique perspective on financial services, and created Citrine & Gold to contrast traditional financial firms after working at New York Life and under someone else’s boutique firm. Citrine & Gold is mission and values-driven.
Brynna Wilson was recognized as one of Colorado’s top young leaders, earning the distinction of being named among the “40 Under 40 Business Leaders 2023” by the Colorado LGBTQ Chamber of Commerce. As a founding board member of the Queer Business Alliance 501(c)3 non-profit, Brynna demonstrates a commitment to empowering LGBTQ+ entrepreneurs and fostering diversity in the business community.
Her dedication to empowering individuals and communities through financial literacy and guidance is at the heart of their mission with Citrine & Gold Financial Services.
“I feel most empowered when people are able to make drastic changes and create the life of their dreams. I see the difference that I make in people’s lives by discovering the money stories they have learned over the years. Then, together we are able to create a unique strategy to develop a healthy, positive, and abundance based money mindset.”
Felicia Barela
She/Her
Financial Services Representative
Felicia has a multi-faceted role at Citrine & Gold, working primarily with the c-suite to facilitate a positive client experience. She’s also licensed to sell life insurance and is en route to becoming an advisor. Felicia loves volunteering in the community and is a blue belt in jiu jitsu!
Andy Schumacher
They/Them
Director of Operations & Marketing
Andy Schumacher serves as the Director of Operations & Marketing at Citrine & Gold Financial Services, bringing a unique blend of expertise and leadership to the organization.
Their journey is punctuated by recognition as a Top 25 Young Professionals by ColoradoBiz Magazine in 2021*** and a spot among Colorado’s top young leaders as part of the “40 Under 40 Business Leaders” in 2022 by the Colorado LGBTQ Chamber of Commerce.**
With a decade of experience in marketing and business – having previously owned and operated a branding, website, and marketing agency – they bring a wealth of knowledge to Citrine & Gold Financial Services, specializing in operations, marketing, and client experience.
Andy’s top goal in life is to live an extraordinary life, and to inspire others to do the same.
Our Commitment
Financial planning is about more than numbers. It is about your life, your goals, and long-term alignment.
At Citrine & Gold, we are committed to:
• Acting in our clients’ best interest when providing advisory services
• Maintaining transparency in how advice is structured
• Building long-term relationships grounded in communication
• Creating an inclusive and welcoming environment
We understand that choosing a financial advisor is a meaningful decision. Our role is to provide structure, perspective, and disciplined guidance as you build toward your financial goals.
Start the Conversation
If you are looking for a fiduciary financial advisor in Denver, or working virtually across the United States, we invite you to schedule a complimentary consultation.
This initial conversation is an opportunity to explore your goals and determine whether our approach aligns with your needs.
Frequently Asked Questions
What is a fiduciary?
Fiduciaries are persons or organizations that act on behalf of others and are required to put the clients’ interests ahead of their own, with a duty to preserve good faith and trust. Fiduciaries are legally and ethically bound to act in the client’s best interests.
Citrine & Gold is a fiduciary firm as an RIA (Registered Investment Advisor).
Source: Investopedia
How do you get paid?
Citrine & Gold is a fee-based financial services provider. That means we get paid a set fee on financial plans, and a set percentage of assets under management. All fees are known upfront, clear, and agree upon.
What are your credentials? How can I verify them?
Citrine & Gold is a Registered Investment Adviser. RIAs are held to a fiduciary standard – meaning we are legally required to act in the best interest of our clients. Our team has Series 7, 63, 65, 6, Life & Health certifications, 8 Years of Industry Experience and have been recognized as top young professionals by the Colorado LGBTQ+ Chamber of Commerce & Colorado Biz Magazine.
You can verify our registration here.
What is your investment philosophy?
We believe in long-term investment strategies, diversification, crafting portfolios as unique as our clients, and values-aligned investing. As fiduciary financial advisors, we will always act in the client’s best interests of our clients.
Who is your broker dealer?
Citrine & Gold is an independent Registered Investment Adviser. We do not have a broker dealer as we are registered directly with the state.
Who is your custodian?
We keep client accounts at AssetMark. They only work with advisors and their clients.
Requirements for Designations and Exams*
The Series 6, 7, 63, 65, 6, and Life & Health certifications are professional credentials in the financial industry, each with specific requirements and purposes.
Series 6 License:
• Purpose: Qualifies individuals to sell investment company products and variable contracts.
• Requirements: Passing the Financial Industry Regulatory Authority (FINRA) Series 6 exam, which covers topics such as investment company products, variable contracts, and state regulations.
Series 7 License
• Purpose: Qualifies individuals to sell a broad range of securities products, including corporate securities, municipal securities, options, direct participation programs, investment company products, and variable contracts.
• Requirements: Passing the Financial Industry Regulatory Authority (FINRA) Series 7 exam, known as the General Securities Representative Qualification Examination, which assesses knowledge in areas such as investment risk, taxation, equity and debt instruments, packaged securities, options, and retirement plans. Candidates must also pass the Securities Industry Essentials (SIE) exam and be sponsored by a FINRA member firm or self-regulatory organization (SRO).
Series 63 License:
• Purpose: Enables individuals to solicit orders for any type of security in a particular state.
• Requirements: Passing the North American Securities Administrators Association (NASAA) Series 63 exam, focusing on state securities regulations and laws.
Series 65 License:
• Purpose: Permits individuals to act as investment adviser representatives, providing investment advice for afee. • Requirements: Passing the NASAA Series 65 exam, which covers topics like economic factors, investment vehicle characteristics, and laws and regulations.
Series 6 vs. Series 65:
• Series 6: Allows the sale of mutual funds, variable annuities, and insurance premiums.
• Series 65: Permits providing investment advice for a fee but does not authorize the sale of securities.
Life & Health Insurance License:
• Purpose: Authorizes individuals to sell life and health insurance products.
• Requirements: Passing state-specific exams covering insurance laws, policies, and ethics.
Disclosure Statement: Please note that the possession of these licenses does not imply superior or guaranteed levels of service. They represent the completion of specific regulatory requirements and do not necessarily reflect the quality or scope of services provided.
Parameters and Requirements for Awards
“40 Under 40 Business Leaders” by the Colorado LGBTQ Chamber of Commerce**Requirements:
• Must be nominated, open to those under 40 who live and work in Colorado
• Chosen from entries by COLLGBTQCC organization
Top 25 Young Professionals by ColoradoBiz Magazine***
Requirements:
• Must be nominated, open to those under 40 who live and work in Colorado
• Chosen from hundreds of entries by apanel of judges based on career achievement, community engagement, and story
Disclosure Statement: Please note that the possession of these accolades does not imply superior or guaranteed levels of service.