CoinDesk
Roughly half of respondents in an informal Real Mamas of Crypto survey said digital assets are part of their estate or inheritance plans, and many have considered gifting them to their children. Nearly every respondent described Bitcoin, Ether or Solana as a core long-term position. Yet exactly one said a wealth advisor manages their crypto.
The Real Mamas community includes more than 220 senior technology professionals who make household financial decisions. Their advisors either know about the holdings but will not touch them, do not know about them, or are not involved.
Why it matters
Crypto now brings custody, privacy, security, tax treatment, reporting and inheritance mechanics into the advisory relationship. Bryan Courchesne, CEO of DAiM, said that as portfolios grow, investors are separating speculation from wealth building and seeking direct ownership without self-custody risks.
The survey's playbook is competence before conversation, a family-office-style offering spanning tax, estate planning and accounting, plus collaboration rather than lectures. Younger beneficiaries expect AI to support research while still seeking a human advisor.
Market impact
The advice gap leaves digital assets outside many traditional wealth-management relationships even after they enter family balance sheets. Several long-term holders in the community are building practices for this underserved segment, pointing to competition for crypto-aware clients.
Courchesne said negative headlines and sharp pullbacks, including March 2020 and late 2022, should be weighed against long-term fundamentals and the original investment thesis. Advisors that pair this perspective with credible custody, tax and estate execution can close the gap.
Frequently asked questions
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How much crypto did respondents say was part of estate or inheritance planning?
Roughly half said digital assets were part of their estate or inheritance plans, and many had considered gifting them to their children.
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How many respondents said a wealth advisor manages their crypto?
Exactly one respondent gave that answer. Others said their advisor knew but would not touch the holdings, did not know, or was not involved.
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What expertise do clients want before trusting an advisor with digital assets?
They want industry expertise, privacy awareness, tax and custody competence, security and credibility.
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Why are investors seeking professional help with crypto ownership?
As portfolios grow, they are focusing on custody, estate planning, reporting and long-term goals while seeking direct ownership without self-custody risks.
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What advisory model does the survey recommend for crypto-owning families?
It points to a family-office-style offering spanning tax preparation, tax planning, accounting and estate services, delivered through collaboration rather than lectures.
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