1% Annual Fee, Built for Long Term Bitcoin Holders
Value is remembered long after price is forgotten. We charge a simple 1% annual fee so you can keep 99% of the upside while we focus on securing your Bitcoin for the people you care about.
As your relationship with us matures, the fee decreases in stages, aligned with Bitcoin's four year halving cycle. This reflects lower ongoing setup work and rewards long term stewardship.
Years 1 to 4
Years 5 to 8
Year 9+
Quick Read
- Fees calculated on average balance over 90 days, invoiced in arrears for each vault
- Invoices issued every 90 days, payable in Bitcoin (sats) within seven days
- Fees only charged once they reach 100,000 sats. Smaller holdings often invest time rather than fees
- No hidden charges, no surprises. Straightforward and transparent
- Degrading fee structure rewards long-term clients aligned with Bitcoin halving cycles
For full legal terms, including early termination fees, see our Terms of Service.
How It Works
Mechanics (quick summary)
- Billing cadence: invoices every 90 days (in arrears, per vault)
- Balance basis: average balance over the period
- Payment timing: payable within seven days
- Minimum threshold: fees charged once accrued fees reach 100,000 sats
- Early termination: Year 1 (4%), Year 2 (3%), Year 3 (2%), Year 4 (1%), Year 5+ (0%), see Terms of Service
Fee Calculation
Fees are calculated on the average Bitcoin balance over 90 days for each vault. You're issued an invoice in arrears for each vault, with additional invoices issued every 90 days thereafter.
Payment Method
All fees are payable in Bitcoin (sats), the smallest unit of Bitcoin. This ensures seamless transactions within the Bitcoin ecosystem. No fiat conversion required.
Billing Cycle
Invoices are issued every 90 days in arrears for each vault, based on the average balance over that period. You'll receive clear invoices showing exactly what you're paying and why, payable within seven days.
Minimum Threshold
Fees accrue monthly but are only charged once they reach 100,000 sats. Clients with smaller holdings gain the same security oversight while investing time rather than fees.
Degrading Fee Structure
Our fee structure decreases over time, aligned with Bitcoin's four year halving cycle. This rewards long term partnership and reflects that established systems require less intensive support. It is a unique approach in Bitcoin custody and continuity services.
Everything Included in Your Fee
Collaborative Security
- 2-of-3 multisig design tailored to your family
- Hardware wallet setup and rotation planning
- Regular security audits and verification
- Emergency recovery workflows
Estate & Continuity
- Comprehensive estate documentation
- Beneficiary onboarding and training
- Inheritance path documentation
- Fiduciary coordination and continuity readiness
Education & Operational Support
- Direct access to senior advisers (no call center)
- Implementation guidance for wallets, keys, and workflows
- Support for incident triage and operational questions
- Education aligned to your scope and jurisdiction
Reviews, Coordination & Documentation
- Periodic system reviews and drift checks
- Documentation updates as life and roles change
- Coordination with your lawyer, accountant, or fiduciaries
- Continuity planning so the system remains executable
Our structure is designed to remain resilient even if advisers, firms, or vendors change. Learn more about continuity →
Calculate Your Fees Over Time
See how our degrading fee structure works with your Bitcoin holdings. Adjust your inputs to model different scenarios and understand the true cost of securing your Bitcoin.
Your Scenario
Summary Results
Total Fees (BTC)
Total Fees (USD)
Final Holdings
Unsecured Loss Exposure (Illustrative)
Fee as % of Final Holdings
Year-by-Year Breakdown
| Year | Holdings Start (BTC) | Fee Rate | Annual Fee (BTC) | Holdings Value (USD) | Holdings End (BTC) |
|---|
The True Cost of Not Securing Your Bitcoin
A 1% annual fee equals 0.01 BTC on a 1 BTC balance. Set that against the 100% loss families face after fire, theft, misplaced credentials, or exchange failures. The math is stark: our fee protects against total loss while maintaining your control.
Exchange Custody Risk
Mt. Gox, FTX, Celsius, BlockFi. The list of exchange failures is long. When exchanges collapse, you can lose everything. Our 1% fee is designed to reduce that loss exposure while keeping you in control.
Cost of inaction: 100% of holdings at risk
Solo Self-Custody Risks
Fire, theft, forgotten passphrases, hardware failure, or simple mistakes can wipe out a lifetime of savings. Single points of failure mean one error equals total loss.
Cost of inaction: 100% loss from any single failure point
Inheritance Without Planning
Without proper estate documentation, your Bitcoin may be lost forever when you're gone. Beneficiaries can't access what they don't know exists or how to recover.
Cost of inaction: Generational wealth lost to time
Our 1% Fee
Protects against all these risks while maintaining your control. You keep 99% upside, eliminate single points of failure, and ensure your Bitcoin survives you.
Cost of action: 1% annually, decreasing over time
Why 1% Represents Great Value
Our fee is designed to be simple, transparent, and aligned to the core problem: keeping your Bitcoin in self-custody while reducing loss, theft, and inheritance risk. You retain the upside of your holdings while paying for structure, oversight, and continuity.
Over time, the fee degrades, and the system becomes easier to maintain because your custody and continuity model is already established.
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 robust custody solutions and thorough inheritance planning."
Client Testimonial
Proof Points
Common Questions About Our Fees
Is 1% Too Much?
Let's do the math: On 1 BTC at $85,000, your first-year fee is $850 (0.01 BTC). That's 1% of your holdings. Compare that to:
- Exchange failure: potential total loss if a custodian fails
- Solo custody mistake: loss exposure if a single point of failure breaks
- Our 1% fee: reduces single points of failure, improves recoverability, and supports inheritance readiness; the fee decreases over time
The question is not whether 1% is too much. It is whether your current setup is resilient enough to survive real life. Our fee is designed to reduce loss exposure while maintaining your control.
Why Not DIY?
DIY self-custody can work if you have the technical expertise, time, and confidence to manage multisig setups, estate documentation, and beneficiary training yourself. Many Bitcoiners successfully self-custody.
DIY makes sense if:
- You're technically proficient and comfortable with multisig
- You have time to research, implement, and maintain security
- You can document estate plans and train beneficiaries yourself
- You're confident handling emergencies and recovery scenarios
Professional help makes sense if:
- You want to eliminate single points of failure without complexity
- You value documented processes and professional oversight
- You want beneficiaries trained by experts, not left to figure it out
- You prefer peace of mind over saving 1% annually
We publish free resources, including the Bitcoin Risk Assessment, so every Bitcoiner can review their posture even if we never partner together.
Why 1% When Starting?
The first four years represent the highest-value period where we establish your collaborative security structure, document your estate plan, and train all stakeholders. This intensive setup phase requires the most support and guidance.
How Do Fees Decrease Over Time?
Our degrading fee structure is aligned with Bitcoin's four-year halving cycle. Years 1-4: 1%, Years 5-8: 0.75%, Year 9+: 0.5%. This rewards long-term clients and reflects that established systems require less intensive support.
Why Pay in Bitcoin?
We are Bitcoin native. Paying fees in sats (the smallest unit of Bitcoin) keeps everything within the Bitcoin ecosystem. No fiat conversion required. It is straightforward, fair, and resonates with the unique dynamics of Bitcoin.
What About Early Termination?
Early termination fees apply if you leave within the first four years. These are calculated on your Bitcoin balance at termination: Year 1 (4%), Year 2 (3%), Year 3 (2%), Year 4 (1%), Year 5+ (0%). See our Terms of Service for full details.
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 may seem "free" but carries 100% loss risk (see Mt. Gox, FTX, Celsius). Our 1% fee protects against catastrophic loss while maintaining your control. The cost of losing everything far exceeds our transparent fee structure.
When We're NOT Right For You
We work with households that treat Bitcoin as a generational asset and value education, transparency, and documented processes. If your priorities differ, another path may serve you better.
You Prefer Exchange Custody
If you believe exchanges are \"insured\" and prefer the convenience of leaving Bitcoin on platforms, we take different approaches to risk. That is okay. We publish free resources so you can review your posture regardless.
You Want Completely Hands-Off
If you want zero involvement in security, documentation, or beneficiary training, we may not align. Collaborative security requires some participation. You remain in control, which means some engagement is necessary.
You're Searching for Shortcuts
If you're looking for speculative shortcuts rather than long-term resilience, we focus on different outcomes. We're built for generational wealth preservation, not quick gains.
You're Unwilling to Learn Basics
If you are unwilling to learn the fundamentals of collaborative security, we may not be the right partner. Education is core to our approach. We help you understand, not just trust a black box.
That is alright. We publish free resources, including the Bitcoin Risk Assessment, so every Bitcoiner can review their posture even if we never partner together. If collaborative security fits your goals, we are here. If not, we are still here to help you understand your options.
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 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 →