At Citrine Financial Solutions, we specialize in the decumulation phase for those nearing or in retirement through a holistic approach. Retirement today is full of moving pieces like market volatility, taxes, inflation, long-term care costs, and the risk of outliving your savings. We help navigate that complexity with creative strategies that minimizes unnecessary risks and aligns every financial decision with your goals and values.



The citrine gemstone is known for its rich, golden glow and its symbolism of clarity, confidence, abundance, positive energy and the power to manifest long-term goals - qualities that reflect the experience we strive to create for our clients. Just like the gem, our goal is to bring clarity to your financial journey to and through retirement, confidence in your decisions, and a legacy of prosperity that shine for generations.

A Retirement Firm Built to Meet Your Goals

ABOUT

Ngoc Le

Founder & CEO

Ngoc's story reflects a powerful blend of resilience, purpose, and service. After earning a Master’s in Education Administration and working 18 years in the public school system, she made the bold transition into the financial industry. Ngoc specializes in retirement income planning—bringing her passion for teaching into a field where clarity and confidence can change lives. Today, she is a Certified Financial Fiduciary®, National Social Security Advisor®, Federal Retirement Consultant℠ and Retirement Income Strategist.

Teaching wasn’t just her career—it shaped how she supports clients now. Ngoc believes education should lead to action, and she’s known for making retirement income planning simpler, clearer, and far less intimidating. She specializes in helping pre-retirees and retirees navigate the “decumulation” phase: turning savings into reliable income, reducing unnecessary risk, and building an income plan that supports both lifestyle and legacy. She also served as a Co-Producer of the documentary, The Baby Boomer Dilemma, helping raise awareness of the real challenges families face in retirement.

Her commitment is personal. Born in Vietnam, Ngoc escaped the war with her family on a fishing boat at age five—an experience that shaped her empathy, compassion, and determination. She has also been a full-time single mother since her son was six months old and that perspective fuels her dedication to helping families protect what they’ve worked so hard to build. Ngoc’s approach is calm, personal, and strategy-driven. Retirement isn’t just about numbers - it’s about freedom, dignity, and peace of mind.

Danielle Villa-Agustin

Administrative Assistant

Whether you're looking for a retirement strategy, protecting your assets, or protecting your legacy, we can help you navigate the complexities of these important topics. Our strategies are customized to meet your unique needs.

Your Retirement Success Starts with a Strategic Approach

SERVICES

Explore practical insights designed to support smarter financial decisions.

Financial Resources to Help You Prepare with Confidence

RESOURCES

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Contact

Contact us to schedule an appointment and take the first step towards financial clarity today with Citrine Financial Solutions.