The Cost of Generational Confidence
Transparent pricing for the professional operating system that keeps your Bitcoin secure, documented, and truly inheritable, without ever giving up control.
Your Bitcoin was built to last for generations. Our collaborative security and key agency structure ensures your custody plan does too. The annual fee funds the full playbook in action: multisig design, Estate Plan Protocol documentation, beneficiary education, continuity planning, and ongoing stewardship. This is the Generational Bitcoin Playbook in practice.\n+
\n+\n+ Our annual fee starts at 1% and steps down over time: 1% for years 1 to 4, 0.75% for years 5 to 8, and 0.5% from year 9 onward. The heaviest work happens upfront: design, implementation, documentation, and training. As your structure matures, ongoing effort is lower and the fee reflects that.
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
- Step-down fee model aligned with long-term stewardship. The fee decreases as the structure matures
For full legal terms, including early termination fees, see our Terms of Service.
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.
This is where families discover the difference between holding Bitcoin and having a system. Our fee buys the documented operating system, professional key agency support, and beneficiary education that turns a fragile personal setup into durable, multi-generational infrastructure.
If you want self-custody without single points of failure, and you want your heirs to inherit clarity rather than a technical puzzle, this is the work.
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.
Step-down fee model
Our annual fee starts at 1% and steps down over time: 1% for years 1 to 4, 0.75% for years 5 to 8, and 0.5% from year 9 onward. This aligns long-term partnership with the reality that established systems require less intensive support.
Everything Included in Your Fee
These are the components of the Generational Bitcoin Playbook we document and maintain with you.
Durable multisig control
- 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 co-signing without custody
- 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 and beneficiary readiness
- Estate Plan Protocol guidance and continuity documentation
- Beneficiary and executor education
- Inheritance readiness reviews for real-world events
- Coordination support with legal, tax, and fiduciary advisers
Ongoing adviser support and incident triage
- Direct access to senior Bitcoin advisers
- Support for operational questions and incident triage
- Review of wallet, documentation, and process changes
- Education for family members and stakeholders
Documentation and review cadence
- 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 →
Calculate Your Fees Over Time
Model how the step-down fee structure works with your actual holdings and stacking plan.
Adjust inputs to explore fee mechanics over time. CAGR assumptions affect USD projections only, not BTC holdings.
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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) |
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The Real Comparison Is Not 1% Versus Free
Leaving Bitcoin on an exchange can feel free until counterparty risk appears. Solo self-custody can feel free until a device is lost, a passphrase is forgotten, a signer dies, or heirs do not know what to do. Our fee is designed to help reduce these risks while preserving the core benefit of Bitcoin: client control.
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. 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
99%
Upside retention
90 days
Transparent billing cycle
0
Tested across multiple market cycles since 2016
100%
Catastrophic loss exposure without structure
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 decreases, and the system becomes easier to maintain because your collaborative security 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 collaborative security and thorough inheritance planning."
Client Testimonial
Proof Points
Since 2016
Guidance and collaborative security across multiple market cycles.
Global client base
600+ families, individuals, and entities supported to date.
No loss events since 2016
No loss events in our collaborative security program.
Transparent 1% fee
Annual model aligned to structure, oversight, and continuity, not trading picks.
Reference facts about how we operate, not guarantees about your outcomes.
Common Questions About Our Fees
Is 1% Too Much?
It depends what you are comparing it to. If you compare 1% to doing nothing, it can seem expensive. If you compare it to exchange failure, permanent key loss, family confusion, undocumented inheritance, or years of avoidable stress, the equation changes.
Our fee is not for price prediction or portfolio management. It is for collaborative security, key agency, continuity, education, documentation, and adviser support, while keeping you in control.
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.
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 reduce avoidable 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.
Does The Bitcoin Adviser Control My Bitcoin?
No. Our collaborative security model is designed so The Bitcoin Adviser cannot move client Bitcoin unilaterally. Where we act as a key agent, our role is governed by documented workflows, client authorization, identity verification, and adviser confirmation.
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 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 annual fee starts at 1% and steps down over time: years 1 to 4 at 1%, years 5 to 8 at 0.75%, and 0.5% from year 9 onward. This rewards long-term clients and reflects that established systems require less intensive support.
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 can feel easy until withdrawal risk, insolvency, or counterparty failure appears. Our role is not to custody your Bitcoin. It is to help you hold Bitcoin in your self-custody with collaborative security, key agency, and continuity planning so you are less dependent on any single platform, person, or memory.
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 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 →