§ Self-directed IRAs & taxable accounts
Digital assets,
held to retirement
standards.
Most crypto sites sell you a feeling. We'd rather show you the paperwork: who holds the keys, what it costs, what the tax treatment is, and what happens on the day you want your money back.
§ Two ways in
Retirement money and everything else follow different rules.
The difference is mostly tax and access. Which one suits you depends on where the money is now and when you expect to need it.
A — Tax-advantaged
Digital asset IRA
Roll over an old 401(k) or transfer an existing IRA into a self-directed account that can hold digital assets. Gains stay inside the account's tax treatment.
- Rollover, transfer or new contribution
- Assets held by a qualified custodian
- Withdrawal rules and penalties apply
B — Taxable
Direct purchase
Buy and hold in a standard account, with no age restriction on when you sell. You'll owe capital gains tax in the year you dispose of anything.
- No contribution limit
- Access your holdings at any time
- Every disposal is a taxable event
§ Process
Four steps, in this order.
Typically two to three weeks end to end, most of which is the transferring institution moving at its own pace.
-
01
Call, before anything else
Twenty minutes on where the money is now, what you're trying to do with it, and whether this is a sensible fit. Some of these calls end with us telling you to stay put.
-
02
Open the account
Identity verification and paperwork with the custodian. You sign directly with them — the account is yours and in your name, not ours.
-
03
Fund it
A direct rollover or trustee-to-trustee transfer moves funds without you taking possession, which is what keeps the tax treatment intact. This step is usually the slow one.
-
04
Buy, then hold
You decide the allocation. Assets settle with the custodian and appear on statements you receive directly from them. You can review or change the allocation whenever you want.
§ Plainly
Things we won't tell you.
This industry has a marketing problem. Here's what you won't hear from us, and it's worth asking anyone else why you're hearing it from them.
- That a return is guaranteed
- No one can guarantee a return on a volatile asset. Any figure presented as certain — weekly yields, bonus percentages, a promised revaluation — is a warning sign, not a feature.
- That a famous person endorses us
- We don't buy celebrity endorsements, and we won't borrow someone's face. If you see a well-known name attached to a crypto retirement pitch, check whether they've ever actually said it.
- That there's a deadline
- There's no window closing, no reset coming, no bonus expiring tonight. Urgency is a sales technique. Take a week. Talk to your accountant.
- That you should send us your keys
- We will never ask for a seed phrase, a private key, or a wallet connection. Nobody legitimate ever needs those. If a site asks, close the tab.
§ Enquiry
Ask us something specific.
Tell us what you're planning, what you're weighing up, and where the question sits. We’ll reply within one business day.
- No pressure, no sales script.
- Plain answers on tax, custody and rollover options.
- Useful even if you are still comparing providers.