Financial advisors for crypto wealth.
Crypto wealth creates planning problems that traditional portfolio rules do not fully cover: unrealized gains, exchange records, custody, tax lots, security, volatility, charitable giving, estate access, and the emotional difficulty of diversifying after a large winner.
Questions to answer before the money moves
Crypto investors, founders, early employees, miners, and token recipients with a concentrated digital-asset position, realized gains, or an upcoming liquidity decision.
- How much should I reserve for taxes if I sell?
- How do I diversify without selling too much at the wrong time?
- Can an advisor work with exchange records, wallets, and concentrated token exposure?
- How should custody, estate access, and security be handled?
Start with the numbers
Crypto Tax Reserve Calculator
Estimate the tax reserve and remaining exposure when selling part of a concentrated crypto position.
Crypto Capital Gains Bracket Calculator 2026
Find your 2026 federal bracket for long-term crypto gains, see how much you can sell tax-free before year-end, and estimate total federal tax on a planned sale.
Crypto Wealth Planning Guide
A planning guide for tax lots, diversification, custody, estate access, charitable giving, and post-liquidity investing.
Bitcoin Financial Advisor Guide
Tax lot selection, rate-ladder planning, loss harvesting, charitable giving, step-up in basis, and custody for long-term BTC holders.
Crypto Diversification Strategy
Five tax-efficient strategies for reducing concentration risk: bracket management, tranche selling, DAF contributions, crypto-backed borrowing, and hold-to-death planning.
Crypto Tax Planning Advisor Guide
Cost basis methods, loss harvesting without wash sale restrictions, staking income treatment, and how to sequence a multi-year sale plan before you transact.
Crypto Estate Planning Guide
Seed phrase inheritance, multi-sig setups, trust structures, exchange beneficiary designations, and the IRC §1014 step-up in basis for long-term holders.
Bitcoin Mining Income Tax Guide
How mining rewards are taxed as ordinary income at receipt, business deductions (electricity, hardware), bonus depreciation, SE tax, and quarterly estimated payments.
Crypto Wealth Management Guide
How fee-only advisors structure seven-figure digital asset portfolios: tax reservation, custody tiers, diversification policy, investment policy statement, and what to expect from a specialist.
Crypto Staking and DeFi Income Taxes
How staking rewards are taxed under Rev. Rul. 2023-14, DeFi yield and lending treatment, the SE tax vs. NIIT question, Form 1099-DA's DeFi gap, and basis tracking at scale.
Crypto Charitable Giving Guide
How to donate appreciated cryptocurrency to a DAF, charity, or CRT in 2026 to eliminate capital gains entirely — and how OBBBA's new 0.5% AGI floor and 35% cap change the math.
NFT Taxes 2026
Capital gains rate uncertainty (20% vs 28% collectibles question), buying NFTs with crypto as a taxable event, creator royalty income, Form 1099-DA reporting, and planning for large NFT positions.
Crypto Tax Loss Harvesting Guide
How the wash sale rule gap works for crypto in 2026 (IRC §1091 does not apply), how to identify harvest candidates by tax lot, how losses net against short-term vs long-term gains, and what systematic year-end harvesting looks like on a seven-figure portfolio.
Bitcoin IRA & Crypto in Retirement Accounts
How a self-directed IRA holds Bitcoin tax-deferred or tax-free, Traditional vs. Roth tradeoffs for crypto, 2026 contribution and income limits, prohibited transaction rules, UBTI, and the backdoor Roth for high-income investors above the Roth phaseout.
Puerto Rico Act 60 for Crypto Investors
How the 0% capital gains regime works for post-move appreciation, the December 31, 2026 application deadline for the 0% rate, bona fide residency requirements, IRS enforcement risk, and how to plan your pre-move crypto position.
Crypto Airdrop and Hard Fork Taxes 2026
Airdropped tokens are ordinary income at fair market value when you gain access — not when you sell. Learn how Rev. Rul. 2019-24 applies to protocol airdrops, hard forks, and claim-style distributions, and how to plan estimated taxes after a large airdrop.
Crypto Capital Gains Tax 2026
How cryptocurrency gains are taxed as property: the short-term vs. long-term distinction, the 2026 LTCG rate ladder (0%/15%/20%), NIIT at 3.8%, state tax impact, and five strategies to reduce what you owe before you sell.
Gifting Cryptocurrency to Family
Gifting Bitcoin or Ethereum transfers the embedded gain to the recipient — it does not erase it. Learn the $19,000 annual exclusion (2026), basis carryover rules, the dual-basis trap for underwater positions, and when the §1014 step-up at death beats lifetime gifting.
Crypto Exchange Failure & Theft Loss Taxes
FTX, Celsius, Voyager — when an exchange fails or is hacked, the IRS treatment depends on fraud, bankruptcy, or platform theft. Learn the Rev. Proc. 2009-20 Ponzi safe harbor (95%/75% deduction), how OBBBA permanently eliminated personal theft loss deductions, and how recovery distributions are taxed if you previously claimed a loss.
Crypto Futures & Derivatives Taxes 2026
CME Bitcoin futures qualify for Section 1256's 60/40 rule — taxing net gains at a blended rate ~10 percentage points below pure short-term treatment. Offshore perpetuals don't qualify. Learn the mark-to-market rule, the 3-year loss carryback, funding rate treatment, and the CFTC-approved regulated perpetuals introduced in May 2026.
Crypto-Backed Loans: Borrow Against Bitcoin Without Selling
Borrowing against Bitcoin or Ethereum is not a taxable event — you keep the position, defer the gain, and get liquidity. Learn the break-even math vs. selling, investment interest deductibility under IRC §163(d), margin call liquidation risk, CeFi vs. DeFi platform tradeoffs, and when a financial advisor coordinates the decision.
Crypto Token Vesting Taxes: Founders & Early Employees
Token grants create ordinary income at vesting — taxed at rates up to 37% — before you can sell a single token. Learn how Section 83(b) elections shift appreciation to capital gains rates, how RTU delivery timing differs from restricted token grants, the TGE income spike problem, and how to fund estimated taxes during lockup periods.
Ethereum Taxes 2026: Staking, Gas Fees & Liquid Staking
ETH has more tax complexity than Bitcoin. Learn how staking rewards are taxed under Rev. Rul. 2023-14, how gas fees affect cost basis on every transaction, the tax treatment of stETH rebasing and rETH ratio appreciation, what The Merge and Shapella meant for prior-period income, and how WETH wrapping and L2 bridging create grey-area taxable events.
Solana (SOL) Taxes 2026: Staking, Liquid Staking & DeFi
Solana distributes staking rewards every 2–3 days (one epoch), creating 120+ ordinary income events per year. Learn the tax treatment of jitoSOL/mSOL liquid staking tokens, Jupiter swaps, Raydium LP positions, Solana airdrops (JUP, WEN, PYTH), and Metaplex NFTs — and what the 2026 LTCG rate ladder means for a large SOL position.
Form 1099-DA: Crypto Tax Reporting Guide 2026
The IRS's new digital asset form arrived for the first time in early 2026 — but cost basis is missing on nearly every form, and exchanges may have reported transfers as sales. Learn what Form 1099-DA covers, which platforms send it, why your basis may be wrong, and how to reconcile it with Form 8949.
XRP Taxes 2026: Capital Gains, SEC Settlement & Flare Airdrop
XRP's five-year SEC lawsuit ended in August 2025 — but the resolution was not a taxable event for holders. Learn how XRP capital gains are taxed under the 2026 LTCG rate ladder, how XRPL DEX and AMM activity creates disposal events, the debated tax treatment of the Flare (FLR) airdrop, and how to reconstruct basis from a fragmented XRP history before selling.
Dogecoin (DOGE) Taxes 2026: Capital Gains, Tips & Mining
DOGE is property — every tip, payment, and sale is a taxable event. Learn how the 2026 LTCG rate ladder applies to DOGE gains, why the wash-sale exemption creates a loss-harvesting window for 2021 peak buyers, how merged Litecoin mining income is taxed, and how early holders can eliminate capital gains entirely through charitable giving or estate planning.
Cardano (ADA) Taxes 2026: Staking Rewards, DeFi & Capital Gains
ADA staking creates approximately 73 ordinary income events per year — one per Cardano epoch. Learn how epoch rewards are taxed under Rev. Rul. 2023-14, how DEX swaps on Minswap and Liqwid Finance generate taxable events, and planning strategies for 2017 ICO holders and active stakers with large unrealized gains.
BNB Taxes 2026: Capital Gains, Staking & BSC DeFi
Every BNB fee payment on Binance.US is a taxable disposal — one of the most commonly missed events in crypto tax histories. Learn how 2026 LTCG rates apply to ICO-era BNB, how validator delegation rewards are taxed under Rev. Rul. 2023-14, why PancakeSwap swaps and Venus borrowing create taxable events, and why the BNB auto-burn is not a taxable event for individual holders.
Avalanche (AVAX) Taxes 2026: Staking, P-Chain Tracking & DeFi
AVAX staking rewards arrive as a lump sum at the end of each staking period — and those P-Chain reward transactions are invisible to most popular tax software. Learn the end-of-period income timing rule, how to reconstruct P-Chain staking history, the tax treatment of sAVAX liquid staking, Trader Joe and AAVE DeFi disposals, and how to harvest 2021-peak losses with no wash-sale restriction.
Polygon (MATIC/POL) Taxes 2026: Migration, Staking & DeFi
The September 2023 MATIC-to-POL token migration is still unresolved under U.S. tax law — practitioners are split on whether it was a taxable exchange. Learn how to document your migration position, how POL staking rewards are taxed at claim time (not per checkpoint), how DeFi on Aave and QuickSwap generates taxable events, and how to harvest 2021-peak losses with no wash-sale restriction.
Stablecoin Taxes 2026: USDC, USDT, DAI & the IRS Rules
Converting Bitcoin or Ethereum to USDC is a taxable event — the IRS treats stablecoins as property, not cash. Learn how de-peg events create unexpected gains and losses (the SVB crisis dropped USDC to $0.87), why stablecoin yield is ordinary income, and what pending legislation like the GENIUS Act and Virtual Currency Tax Fairness Act would change — but hasn't yet.
Bitcoin ETF Taxes 2026: IBIT, FBTC, BITB & BITO
Spot Bitcoin ETF holders face a hidden annual tax event — the grantor trust sells Bitcoin to cover management fees, creating a taxable event for every shareholder even if they never sold a share. Learn how IBIT and FBTC are taxed differently from direct BTC, why the wash sale question is unsettled, how BITO's Section 1256 60/40 rule works, and when holding a Bitcoin ETF inside a Roth IRA eliminates most of the complexity.
Shiba Inu (SHIB) Taxes 2026: ShibaSwap, Burns & Loss Harvesting
SHIB's ecosystem creates tax events most investors miss: ShibaSwap bury staking converts SHIB to xSHIB (a taxable exchange under the conservative position), BONE rewards are ordinary income with a complex 6-month lockup timing question, and every Shibarium transaction burns BONE as gas — a taxable BONE disposal. Plus: burning appreciated SHIB triggers capital gains, while 2021 peak buyers can harvest losses with no wash-sale restriction.
IRS Crypto Audit 2026: What Triggers One and What to Do
The IRS issued 320,000 CP2000 notices for unreported crypto in 2025 alone. With Form 1099-DA live and blockchain analytics firms under contract, the era of flying under the radar is over. Learn what triggers a crypto audit, what Letters 6173/6174 mean, how the 3- and 6-year statute of limitations applies, and what to do before you respond to any IRS notice.
Cosmos (ATOM) Taxes 2026: Staking, IBC Transfers & Ecosystem Airdrops
Cosmos Hub staking rewards don't auto-distribute — they accumulate unclaimed until you actively withdraw them. That timing distinction creates a planning opportunity most ATOM holders miss. Plus: OSMO, JUNO, TIA, and other ecosystem airdrops to ATOM stakers are ordinary income at receipt, IBC cross-chain transfers are not taxable events, and early holders from the 2019 genesis sale carry one of the lowest cost bases in all of crypto.
Polkadot (DOT) Taxes 2026: Staking, Crowdloans & Agile Coretime
DOT staking rewards are not automatic — they must be triggered within 84 eras or they are permanently forfeited on-chain. Learn the era-based payout timing question, how nomination pool rewards are claimed, the tax treatment of historical parachain crowdloan reward tokens (GLMR, ASTR, HDX), whether Coretime purchases are taxable DOT disposals, and how the 28-day unbonding period affects sale planning for large DOT positions.
Toncoin / Gram (TON → GRAM) Taxes 2026: Staking, Telegram Airdrops & the Rebrand
Toncoin rebranded to Gram in June 2026 — not a taxable event. What is taxable: nominator pool staking rewards that require an active withdrawal before income is recognized (timing opportunity), NOT/DOGS/HMSTR Telegram game airdrops in 2024 that most holders never reported as ordinary income, and STON.fi/DeDust DEX swaps. June 2024 peak buyers ($7–$8.29) now hold long-term losses eligible for wash-sale-free harvesting.
Chainlink (LINK) Taxes 2026: Staking Rewards, Node Income & Capital Gains
LINK flows between data requesters, oracle node operators, and community stakers — creating layers of U.S. tax complexity most holders have not mapped. Learn the Chainlink Staking v0.2 reward claim-timing question (does income arise when rewards accrue in the Reward Vault, or when you call claimReward()?), how oracle node operators owe ordinary income plus potential SE tax on job fees, why gas fee ETH disposals stack up with every LINK transaction, and how 2021 peak buyers ($52.88 ATH) can harvest long-term losses with no wash-sale restriction.
Monero (XMR) Taxes 2026: Capital Gains, Mining Income & Privacy Coin Reporting
Monero's ring signatures and RingCT make it the only major crypto where tax software cannot reconstruct your transaction history from on-chain data — you must maintain your own records. Learn the two-disposal problem when routing XMR through Bitcoin to reach a U.S. exchange, why the IRS invested $1.25M to crack Monero tracing in 2020, how CPU mining income is taxed at receipt, why most DAFs won't accept XMR donations, and four planning strategies for large XMR positions.
Turn a volatile gain into a plan
The first decision is rarely whether crypto is good or bad. The better question is how much of the gain needs to become taxes, reserves, diversified capital, charitable giving, or long-term security before volatility and emotion drive the plan.
The advisor should understand the asset and the household
A crypto-aware financial advisor does not replace a CPA or custody provider. The advisor helps connect tax lots, security, diversification, estate access, and portfolio construction into one written policy.
How the right advisor helps
- Model the decision. Convert the event into cash-flow, tax, liquidity, and risk numbers before irreversible choices are made.
- Coordinate the team. Align the financial plan with the CPA, attorney, lender, trustee, or transaction professional already involved.
- Write the policy. Decide what can be spent, invested, gifted, donated, or deferred so pressure does not become the plan.
Get matched with a specialist financial advisor
Tell us what changed and what decisions are in front of you. We will match you with a fee-only advisor who works with this kind of planning problem.