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 20 years of investment experience, Ryan became a firm believer in 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.

Previously, Ryan worked as a financial planner at Ameritas Investment Corporation where he earned his series 65 license. In 2014, he left Ameritas to found Cole Wealth Advisors, which evolved into Citrine Capital when Jirayr joined in 2016.

Ryan is a CERTIFIED FINANCIAL PLANNER™ professional with a specialty in equity compensation and taxation, financial independence, and blockchain and digital assets (cryptocurrencies). He currently serves as the CEO of 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 twelve years in the San Francisco Bay Area. Outside of work, he enjoys goofing around with his wife and three daughters, ice hockey, cycling, great food, craft beer, and lots of espresso.