Transparent Pricing for Collaborative Bitcoin Security
Transparent pricing for collaborative Bitcoin security, professional key agency, continuity planning, documentation, and ongoing adviser support, without giving up control of your Bitcoin.
Years 1 to 4
Years 5 to 8
Year 9+
Quick Read
- Annual fee starts at 1% and steps down over time
- Fees calculated on each vault’s average Bitcoin balance over the billing period
- Invoices every 90 days in arrears, payable in sats; charged once accrued fees reach 100,000 sats
- Early termination protections apply during the first four years
- Transparent fees, disclosed upfront
Full legal terms: Terms of Service
Built Around Long-Term Stewardship
This pricing model is designed for clients who treat Bitcoin as a long-term asset, not a short-term transaction.
The first phase of the relationship is the most intensive. We help design and implement the collaborative custody structure, support onboarding, document the Estate Plan Protocol, educate beneficiaries or fiduciaries, and establish the operating model around your Bitcoin.
That is why the annual fee steps down over time. The heaviest work happens upfront. As your structure matures, the role shifts toward review, continuity, support, and stewardship.
Early termination fees protect that long-term model during the initial implementation period. They are not designed to trap good-faith clients or operate as a routine charge. They exist because meaningful adviser, operational, documentation, and education work is committed early in the relationship.
Most clients work with us for the long term. The structure is designed to become more valuable over time: clearer documentation, better family readiness, stronger continuity, and fewer single points of failure.
Why Families Choose Collaborative Security
Most Bitcoin plans work fine while the founder is healthy, available, and still remembers every decision they made along the way. The real test comes when knowledge, devices, or people are no longer there.
Our fee funds the documented operating system, professional key agency support, and beneficiary education that turns a fragile personal setup into durable infrastructure. If you want self-custody without single points of failure, and heirs who inherit clarity rather than a technical puzzle, this is the work.
How It Works
Fee Calculation
Fees are calculated on each vault’s average Bitcoin balance over the 90-day billing period. Invoices are issued in arrears per vault, with a new invoice every 90 days.
Billing and Payment
Invoices are issued every 90 days in arrears, payable in Bitcoin (sats) within seven days. No fiat conversion required. Clear invoices show what you pay and why.
Minimum Fee Threshold
Fees accrue monthly but are only charged once they reach 100,000 sats. Smaller holdings often invest time rather than fees while receiving the same oversight.
Step-Down Fee Model
1% annually for years 1 to 4, 0.75% for years 5 to 8, and 0.5% from year 9 onward. Established structures require less intensive implementation work over time.
Early Termination Protection
Early termination fees apply only during the first four years. They protect the long-term service model during the initial implementation period, when the heaviest adviser, operational, documentation, and education work is committed. From year five onward, no early termination fee applies. See Terms of Service.
Long-Term Review and Stewardship
As your structure matures, our role shifts toward continuity reviews, documentation updates, operational support, and stewardship rather than intensive setup.
Everything Included in Your Fee
The fee is not for Bitcoin price advice. It funds the operating system around your Bitcoin: security, documentation, support, continuity, and family readiness. These are the components of the Generational Bitcoin Playbook we document and maintain with you.
Collaborative Custody Design
- 2-of-3 multisig design and implementation support
- Client-controlled structure with no unilateral TBA access
- Hardware wallet setup guidance and role mapping
- Custody posture reviews and drift checks
Professional Key Agency
- The Bitcoin Adviser can act as a professional key agent in your multisig model
- We cannot move funds unilaterally
- Authorized transaction workflows supported by documented controls
- Identity verification and adviser confirmation before co-signing where required
Estate Plan Protocol
- Estate Plan Protocol guidance and continuity documentation
- Inheritance readiness reviews for real-world events
- Coordination support with your legal, tax, and fiduciary advisers
Beneficiary and Fiduciary Education
- Beneficiary and executor education
- Education for family members and stakeholders
- Pathways designed for heirs, executors, and fiduciaries
Ongoing Adviser Support
- Direct access to senior Bitcoin advisers
- Support for operational questions and incident triage
- Review of wallet, documentation, and process changes
Continuity Reviews and Documentation
- Wallet and vault summaries
- Practical documentation designed to remain usable over time
- Review cadence and update process
- Transaction and ownership records where relevant
Our structure is designed to remain resilient even if advisers, firms, or vendors change. Learn more about continuity →
See what working with us looks like
Model the Fee Structure
Model how the step-down fee structure works with your holdings and stacking plan. CAGR affects illustrative USD values only, not your Bitcoin balance.
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Your Scenario
Summary Results
Total Fees (BTC)
Total Fees (USD)
Final Holdings
Value at Risk if Access Is Lost
Fee as % of Final Holdings
Year-by-Year Breakdown
| Year | Holdings Start (BTC) | Fee Rate | Annual Fee (BTC) | Holdings Value (USD) | Holdings End (BTC) |
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The Real Comparison Is Not 1% Versus Free
The comparison is not 1% versus free. It is 1% versus the unmanaged risks that often sit inside exchange custody, fragile self-custody, and undocumented inheritance plans.
We are not anti-DIY. We are anti-fragile custody.
Exchange custody
Convenient, but introduces platform, withdrawal, insolvency, and counterparty risk. If the platform fails or access is restricted, your options narrow quickly.
Exposure: counterparty and access risk you cannot self-remedy
Solo self-custody
Powerful, but fragile if it depends on one person, one device, one seed phrase, or undocumented knowledge. Failures are often mundane, not dramatic.
Exposure: avoidable single points of failure
Inheritance without education
Legal ownership is not enough if beneficiaries cannot identify, understand, or safely access the Bitcoin. Without continuity, families inherit a puzzle under stress.
Exposure: permanent loss through confusion and delay
Collaborative security and key agency
A middle path: client control with professional structure (key agency). Reduce avoidable single points of failure, document continuity, and support authorized workflows without surrendering unilateral control.
Cost: 1% annually to start, stepping down over time
Why 1% Represents Great Value
1% starting annual fee
For collaborative security, key agency, documentation, and support.
Step-down model
Fees reduce as your structure matures.
90-day billing cycle
In arrears, based on average vault balance.
No unilateral access
Client control remains central to the structure.
Our fee is simple, transparent, and aligned to keeping Bitcoin in self-custody while reducing loss, inheritance, and operational risk. You retain your holdings while paying for structure, documentation, and continuity.
Read more about our pricing philosophy →
"I was always apprehensive about the safety of my Bitcoin holdings. Since partnering with The Bitcoin Adviser, I've found incredible peace of mind, thanks to their collaborative security and thorough inheritance planning."
Client Testimonial
Proof Points
Since 2016
Supporting Bitcoin holders through multiple market cycles.
600+ clients supported
Families, individuals, SMSFs, trusts, companies, and entities.
No loss events
No loss events in our collaborative security program. A reference fact about our operating history, not a guarantee of future outcomes.
Global adviser network
Bitcoin-native support for clients across jurisdictions.
Reference facts about our operating history, not promises or guarantees about future outcomes.
For Referrers and Professional Advisers
For referrers, accountants, lawyers, family office staff, and other professional advisers (external to The Bitcoin Adviser, not regulated financial advice from us).
If you refer clients to The Bitcoin Adviser, the pricing model is simple to explain: the annual fee funds a long-term collaborative security relationship, not a one-off setup. The first phase is the most intensive because that is where the custody structure, documentation, Estate Plan Protocol, beneficiary education, and operating model are established. Fees step down as the structure matures. Early termination fees protect that initial implementation period; they are not designed to trap good-faith clients.
Common Questions About Our Fees
Is 1% Too Much?
It depends what you are comparing it to.
Our fee is for collaborative security, key agency, continuity, education, and adviser support, not portfolio management or price prediction.
Why Not DIY?
We are not anti-DIY. Competent self-custody is a valid path.
We exist for people who want the benefits of self-custody without leaving their family dependent on one person's technical knowledge.
Can The Bitcoin Adviser Move My Bitcoin?
No. Where The Bitcoin Adviser acts as key agent, it cannot move funds unilaterally.
Our role is governed by documented workflows, client authorization, identity verification, and adviser confirmation before co-signing where required.
Why Pay in Bitcoin?
Fees are payable in sats because we are Bitcoin native.
Clients should seek their own tax or accounting advice on the treatment of Bitcoin payments.
Why 1% When Starting?
The first four years are the highest-value setup period.
We establish collaborative security, document your estate plan, and train stakeholders during this intensive phase.
Why Is There an Early Termination Fee?
The model is built for long-term collaborative security, and the heaviest work happens in the initial implementation period.
Early termination fees protect that model during years one to four, when adviser, operational, documentation, and education work is committed upfront. They are not designed to trap good-faith clients.
What About Early Termination?
Early termination fees apply only if you leave within the first four years.
They protect the long-term service model during the initial implementation period. Rates are calculated on your Bitcoin balance at termination: year 1 (4%), year 2 (3%), year 3 (2%), year 4 (1%). From year five onward, no early termination fee applies. See our Terms of Service.
What Happens If I Leave After Year Five?
No early termination fee applies from year five onward.
Ongoing annual fees still apply under the Terms of Service until the relationship ends under the normal termination process.
What If My Circumstances Change?
Where circumstances genuinely change, we work through the situation professionally and practically.
This is subject to our Terms of Service. Contact your adviser to discuss your situation.
Is This Financial Advice?
No. The service is about custody structure, collaborative security, continuity, documentation, education, and operational support.
Clients should seek their own legal, tax, accounting, and financial advice from appropriately qualified professionals.
Am I Paying for Investment Advice?
No. The fee is for security, documentation, key agency, continuity, and support.
It is not for trading, timing, allocation, or performance advice.
Why Does the Fee Step Down?
The heaviest work happens upfront; the service shifts over time toward review, support, continuity, and stewardship.
Years 1 to 4 at 1%, years 5 to 8 at 0.75%, and 0.5% from year 9 onward.
What If My Holdings Are Small?
Fees accrue monthly but are only charged once they reach 100,000 sats.
Clients with smaller holdings often invest time rather than fees, while gaining the same security oversight and support.
How Does This Compare to Exchange Custody?
Exchange custody can feel easy until withdrawal risk, insolvency, or counterparty failure appears.
Our role is to help you hold Bitcoin in self-custody with collaborative security, key agency, and continuity planning.
Who This Pricing Is Designed For
- Long-term Bitcoin holders
- Families and family offices
- SMSF trustees
- People who want self-custody without a single point of failure
- People who want heirs, executors, or fiduciaries to have a documented pathway
When We're NOT Right For You
We work with households that treat Bitcoin as a generational asset. If your priorities differ, another path may serve you better.
You Prefer Exchange Custody
If you prefer leaving Bitcoin on platforms for convenience, we take a different approach to risk. We still publish free resources so you can review your posture.
You Want Completely Hands-Off
Collaborative security requires some participation. You remain in control, which means some engagement is necessary.
You're Searching for Shortcuts
We focus on long-term resilience and generational security, not speculative shortcuts.
You're Unwilling to Learn Basics
Education is core to our approach. We help you understand the structure, not just trust a black box.
We publish free resources, including the Bitcoin Risk Assessment, so every Bitcoiner can review their posture even if we never partner together.
The Bitcoin Adviser does not provide financial product advice, investment recommendations, tax advice, or legal advice. Our role is focused on Bitcoin custody education, collaborative security, key agency, continuity planning, documentation, and operational support. Clients should seek advice from appropriately qualified professionals for legal, tax, accounting, or financial matters.
Ready to Secure Your Bitcoin?
If this pricing structure aligns with your goals, set up a discovery call or run the risk assessment to benchmark your current setup. There is no obligation, just clarity on whether collaborative security fits your needs.
Before you decide, see what working with us actually looks like. What to Expect →
Want the full framework first? Read the Generational Bitcoin Playbook →
Estate planning context: Estate planning and inheritance →
Want to understand if you're a good fit? See if The Bitcoin Adviser is right for you →
Need full legal terms? Review our Terms of Service →