For Baby Boomers

Bitcoin for Baby Boomers: Secure Your Retirement Legacy

You've weathered economic storms—from the oil crises of the 1970s to the dot-com bust and the 2008 financial meltdown. You've built nest eggs through hard work, real estate booms, and steady stock market gains. But in retirement, preserving that wealth while hedging against inflation feels more urgent than ever.

Bitcoin offers baby boomers a path to preserve retirement wealth, plan for generational transfer, and secure their legacy. While its volatility might seem daunting, savvy boomers are increasingly viewing Bitcoin as a cornerstone of long-term wealth preservation—especially when combined with proper estate planning and collaborative security.

The Bitcoin Adviser provides technical and operational support for securing Bitcoin holdings with collaborative security and estate planning. We help baby boomers preserve retirement wealth, plan for generational transfer, and navigate the unique challenges of holding Bitcoin in retirement accounts. We are not a financial services company and do not provide financial, tax, legal, or investment advice.

Why Bitcoin for Boomers Understanding Volatility Retirement Planning Estate Planning Work with Our Advisers FAQs

Track Record Zero Losses Since 2016

Experience Since 2016

Approach Collaborative Security

Focus Estate Planning & Legacy

Why Bitcoin

Why Bitcoin for Baby Boomers?

As a baby boomer, you've seen decades of economic cycles, inflation, and market volatility. You understand that preserving wealth requires more than traditional assets alone. Bitcoin represents a fundamental shift in how we think about money and wealth preservation.

Hedge Against Inflation

Traditional retirement assets are denominated in fiat currencies that lose purchasing power over time. Bitcoin's fixed supply of 21 million coins makes it immune to monetary debasement, preserving your purchasing power for retirement and beyond.

Generational Wealth Transfer

Bitcoin can be passed to heirs more efficiently than traditional assets, with proper estate planning. Our Estate Plan Protocol ensures your beneficiaries can access Bitcoin holdings without relying on a single private key or traditional financial intermediaries.

Retirement Account Integration

Bitcoin can be held in retirement accounts (IRAs in the US, SMSFs in Australia) with self-custody and collaborative security. This combines tax advantages with the security and control of holding actual Bitcoin.

No Single Point of Failure

Our collaborative security model uses multi-signature technology, ensuring that no single party—including us—can access your Bitcoin alone. This eliminates the risk of lost keys, hardware failures, or single points of failure.

Understanding Volatility

Taming the Volatility Beast: It's Growth in Disguise

Bitcoin's price swings can feel like a rollercoaster. One day it's soaring past $100,000; the next, it's shedding 20% on regulatory whispers. For boomers accustomed to the relative stability of bonds or blue-chip stocks, this can trigger concern.

But here's the key insight: volatility is the engine driving Bitcoin's unparalleled returns. If you've been in Bitcoin for five or 10 years, the volatility is something to be understood, not feared. It's the price of admission to gains that have outpaced every traditional asset class.

Start Small, Think Long-Term

We recommend starting with a small allocation—just 1-2% of your net worth initially. This mirrors a "bad morning" in the stock market—manageable even if it goes to zero. Yet the upside? Clients who've followed this approach since 2015 have seen significant returns on that sliver, with Bitcoin growing to represent a meaningful portion of their portfolios over time.

The solution to volatility is holding Bitcoin for a long period of time. Emotions run high when Bitcoin dominates your holdings, tempting sales into "safer" assets like overpriced stocks or soft property markets. But with bonds uninvestable and equities frothy, selling your best performer to chase mediocrity is often a losing strategy.

Long-Term Perspective

Volatility fades over time. Hold through cycles, and Bitcoin's annualized returns reward the steadfast. Many of our clients—your peers—are divesting multi-million-dollar homes or share portfolios to pivot into Bitcoin as a long-term wealth preservation strategy.

Self-Sovereignty

In an era of eroding fiat currencies—think frozen reserves and bank whims—Bitcoin's self-sovereignty offers unconfiscatable security, immune to sanctions or government intervention. You control your keys; you control your wealth.

Best Performing Asset

Three out of every four years since 2011, Bitcoin has been the best performing asset in the world. While past performance doesn't guarantee future results, Bitcoin's network effects and adoption trajectory suggest this trend may continue.

Inflation Resistance

Bitcoin's fixed supply and decentralized nature make it immune to the monetary debasement that erodes traditional retirement assets. As fiat currencies lose purchasing power, Bitcoin's scarcity preserves value.

Global Accessibility

Bitcoin is the first globally ubiquitous asset—the same everywhere in the world. This portability and accessibility make it ideal for retirement planning, especially for those who may relocate or travel in retirement.

Generational Asset

Bitcoin can be passed to heirs more efficiently than traditional assets, with proper estate planning. Our collaborative security model ensures your beneficiaries can access Bitcoin holdings without relying on a single private key.

Retirement Planning

Bitcoin in Your Retirement Accounts

Bitcoin can be held in retirement accounts with self-custody and collaborative security, combining tax advantages with the security and control of holding actual Bitcoin. Whether you're in the United States or Australia, we provide technical support for integrating Bitcoin into your retirement planning.

Bitcoin IRA (United States)

Hold actual Bitcoin in your Traditional, Roth, SEP, HSA, or Solo 401(k) IRA with self-custody and collaborative security. You work directly with Advanta Trust for IRA setup and management; we provide technical support for the custody and security aspects.

Learn about Bitcoin IRA →

Bitcoin SMSF (Australia)

Hold actual Bitcoin in your Self-Managed Super Fund (SMSF) with self-custody and collaborative security. You work directly with your SMSF administrator, accountant, and auditor for compliance; we provide technical support for the custody and security aspects.

Learn about Bitcoin SMSF →

Important: We Don't Provide Financial Advice

The Bitcoin Adviser provides technical and operational support for Bitcoin custody and security. We do not provide financial, tax, legal, or investment advice. You work directly with your financial advisors, tax professionals, and retirement account administrators to determine allocation, timing, tax implications, and compliance. We provide the technical framework for secure custody.

Estate Planning

The Estate Planning Imperative: Don't Let Your Legacy Vanish

Here's where Bitcoin's digital nature creates unique challenges: Unlike a house deed or stock certificate, lost keys mean lost fortune—forever. No court can decree recovery; no government bailout exists. For boomers eyeing Bitcoin as a meaningful portion of net worth, this isn't abstract—it's a family catastrophe waiting to happen.

Our firm has navigated client deaths, seamlessly transferring Bitcoin to heirs without losing a satoshi. "We've never lost a Bitcoin," we proudly state, crediting our collaborative security model.

Multi-Signature Security

This isn't solo self-custody, where you're the single point of failure. Instead, it's multi-signature setups scattering keys across jurisdictions—say, one in Australia, one in the U.S., one offshore. Governments can't seize what they can't consolidate, shielding against worst-case scenarios.

Estate Plan Protocol

Our Estate Plan Protocol provides comprehensive documentation that ensures your beneficiaries can access Bitcoin holdings without relying on a single private key. This includes vault access instructions, key holder contacts, and recovery procedures.

Beneficiary Education

We help educate your heirs on Bitcoin principles—scarcity, self-custody, and low time preference—ensuring they understand the value and responsibility of generational wealth. This education is critical for preserving wealth across generations.

Seamless Inheritance

With collaborative security, your heirs inherit not just wealth, but verifiable access. Spouses or kids, often Bitcoin novices, gain confidence knowing recovery is outsourced to professionals. Once they see their partner won't lose the Bitcoin, it's a huge mental unlock.

These Conversations Start Awkwardly

Who relishes discussing death? But they're empowering. For boomers, this means your legacy endures: Heirs inherit not just wealth, but verifiable access. You work directly with your estate planning attorney to ensure Bitcoin holdings are properly integrated into your will, trusts, and other legal documents. We provide the technical framework.

Meet Your Advisers

Work with Our Specialized Advisers

Our advisers specialize in helping baby boomers integrate Bitcoin into their retirement planning and estate planning. Whether you're in the United States or Australia, we have advisers who understand your unique needs and can provide technical support for securing Bitcoin holdings.

Scott Porter

Self-Directed IRA Technical Specialist · United States & North America

Scott specializes in helping US-based baby boomers integrate Bitcoin into their retirement accounts. He provides technical support for Bitcoin IRA setup, collaborative security, and estate planning integration.

Scott does not provide financial, tax, legal, or investment advice. You work directly with Advanta Trust for IRA setup and management, and with your financial advisors and tax professionals for strategy and compliance. Scott's role is purely technical and operational.

Bitcoin IRA Workflow with Scott

Review your existing retirement accounts, financial situation, and objectives. Gather information about your financial advisors, tax professionals, and retirement account administrators.
You and your professional advisers confirm Bitcoin allocation and strategy. Scott maps out the custody architecture, collaborative security design, and estate planning touchpoints.
Coordinate with Advanta Trust for IRA setup, exchange onboarding, Bitcoin purchases, vault construction, key distribution, and estate plan inserts aligned to your retirement structure.
Schedule recovery rehearsals and periodic reviews so processes, valuations, and estate instructions stay current as your situation evolves.

Schedule time with Scott

Share your retirement account details, approximate balances, and wealth preservation goals. Scott will help you map the technical path for securing Bitcoin in your IRA and planning for generational transfer. All conversations are technical and educational only — Scott does not provide financial, tax, legal, or investment advice.

Andy Pattinson

Bitcoin SMSF & Sovereign Retirement Specialist · Australia

Andy specializes in helping Australian baby boomers integrate Bitcoin into their Self-Managed Super Funds (SMSFs). He created BitcoinSuper.io—Australia's independent guide for moving superannuation into Bitcoin.

Andy does not provide financial, tax, legal, or investment advice. You work directly with your SMSF administrator, accountant, and auditor for compliance. Andy's role is purely technical and operational.

Bitcoin SMSF Workflow with Andy

Review your existing super arrangements, SMSF status, advisers, and objectives. Gather trust deeds, administrator details, and auditor contacts.
You and your SMSF professionals confirm suitability. Andy maps out the custody architecture, collaborative security design, and documentation touchpoints.
Coordinate exchange onboarding, Bitcoin purchases, vault construction, key distribution, and estate plan inserts aligned to your SMSF structure.
Schedule optional recovery rehearsals and periodic reviews so firmware, processes, valuations, and estate instructions stay current.

Want to prepare? Start with the checklists and explainer content at BitcoinSuper.io before your session.

Schedule time with Andy

Bring your current fund details, approximate balances, SMSF administrator information, and any existing advice you've received. Andy will help you map the technical path from "traditional super" to "Bitcoin in an SMSF vault". All conversations are technical and educational only — Andy does not provide financial, tax, legal, or investment advice.

Other Advisers Can Help Too

While Scott and Andy specialize in retirement account Bitcoin integration, all of our advisers can support baby boomers with Bitcoin custody, estate planning, and generational wealth transfer. View all advisers →

Frequently Asked Questions

Common Questions from Baby Boomers

Is Bitcoin too volatile for retirement planning?

Bitcoin's volatility is the engine driving its unparalleled returns. The solution to volatility is holding Bitcoin for a long period of time. We recommend starting with a small allocation (1-2% of net worth) and thinking in 10-year horizons. Many of our clients have seen Bitcoin grow to represent a meaningful portion of their portfolios over time, with volatility fading as holding periods extend.

How much Bitcoin should I allocate from my retirement savings?

We recommend starting with a small allocation—just 1-2% of your net worth initially. This is manageable even if it goes to zero, yet provides significant upside potential. You work directly with your financial advisors to determine the appropriate allocation for your situation. We provide technical support for the custody and security aspects.

What happens to my Bitcoin when I die?

Our Estate Plan Protocol ensures your beneficiaries can access Bitcoin holdings without relying on a single private key. We provide comprehensive documentation, beneficiary education, and recovery procedures. You work directly with your estate planning attorney to ensure Bitcoin holdings are properly integrated into your will, trusts, and other legal documents. We provide the technical framework.

Can I hold Bitcoin in my IRA or SMSF?

Yes. Bitcoin can be held in retirement accounts (IRAs in the US, SMSFs in Australia) with self-custody and collaborative security. You work directly with your retirement account administrators (Advanta Trust for IRAs, SMSF administrators for SMSFs) for setup and compliance. We provide technical support for the custody and security aspects. Learn more about Bitcoin IRA or Bitcoin SMSF.

What if I lose my Bitcoin keys?

Our collaborative security model uses multi-signature technology, ensuring that no single party—including you—can lose access to Bitcoin. Keys are distributed across multiple parties and jurisdictions, eliminating single points of failure. Even if one key is lost, your Bitcoin remains accessible through the remaining keys.

Do you provide financial or investment advice?

No. The Bitcoin Adviser provides technical and operational support for Bitcoin custody and security. We do not provide financial, tax, legal, or investment advice. You work directly with your financial advisors, tax professionals, and retirement account administrators to determine allocation, timing, tax implications, and compliance. We provide the technical framework for secure custody.

Get Started

Secure Your Retirement Legacy with Bitcoin

As a baby boomer, you understand that preserving wealth requires more than traditional assets alone. Bitcoin offers a path to preserve retirement wealth, plan for generational transfer, and secure your legacy—but only with proper custody, security, and estate planning.

We don't manage your money or tell you what to buy—we help you hold what you've already decided to own, safely, with professional-grade security and estate planning.

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