Retirement Planning with Bitcoin | The Bitcoin Adviser
Retirement Planning

Prepare Your Retirement With Bitcoin Confidence

We help retirees and pre-retirees deploy Bitcoin inside tax-advantaged plans without sacrificing control. You keep sovereignty over your assets while gaining the redundancy, documentation, and support that long-term retirement planning demands—whether you’re migrating your first pension rollover or managing decades of accumulated savings.

Quick Read

  • Apply collaborative security so no single person or custodian can compromise your retirement Bitcoin.
  • Structure rollovers for balances of any size—from first pension transfers to multi-million-dollar SMSFs.
  • Integrate education, estate planning, and ongoing reviews so everyone involved knows their role.
  • Cross-reference the central FAQ and Estate Planning page for inheritance specifics.
Why Bitcoin

Modern Wealth Preservation

Scarce Sound Money

  • Fixed 21 million supply designed to outpace inflationary fiat systems.
  • Global liquidity and divisibility that fits both large and small allocations.
  • Portability across jurisdictions for retirees relocating or travelling.

Resilient Governance

  • Decentralised network with no central bank counterparty risk.
  • Durable digital bearer asset immune to physical degradation.
  • Inheritance-ready when combined with collaborative custody and documented recovery plans.
Since 2016 Supporting Bitcoin Retirement Clients

Our clients have experienced zero custody losses under our guidance.

Risk Landscape

What Goes Wrong Without A Plan

Single Points Of Failure

  • Exchange insolvency or account freezes wiping out retirement holdings.
  • Lone hardware wallet lost, damaged, or misconfigured.
  • Executors and heirs lacking credentials or instructions.

Compliance Missteps

  • Improper IRA/SMSF handling triggering penalties.
  • Prohibited transactions or lacking qualified custodians.
  • Documentation gaps that stall estate settlement for months.

⚠️ Reality Check

“Bitcoins are most often lost when one thing goes wrong.” Learn why diversification of people, locations, and processes is mandatory for retirement accounts.

Retirement Structures

Choose The Vehicle That Fits Your Jurisdiction

Bitcoin IRA (US)

  • Traditional, Roth, SEP, and Solo 401(k) support via Advanta Trust.
  • Collaborative security multisig for client-controlled custody.
  • Estate-ready documentation aligned with IRS requirements.
  • Read the Bitcoin IRA guide →

Bitcoin SMSF (Australia)

  • Self-managed superannuation implementation and compliance.
  • Professional coordination with auditors and tax agents.
  • Collaborative security vaults anchored in Australian jurisdiction.
  • Review SMSF requirements →

Global Retirement Planning

  • Cross-border tax and reporting considerations.
  • Custody strategies for expatriates and multi-jurisdiction families.
  • Currency diversification and remittance-friendly structures.
Headshot of Scott Porter

Scott Porter

Self-Directed IRA Specialist · Advanta Trust Collaboration

Scott brings three decades of enterprise IT and security experience to our retirement clients. He leads the Advanta Trust partnership, coordinating the paperwork, compliance, and collaborative custody build so you keep control of every satoshi.

Advanta + TBA Workflow

  1. Open or transfer a self-directed IRA (Traditional, Roth, SEP, Solo 401(k)) with Advanta Trust.
  2. Fund the account, list The Bitcoin Adviser as your collaborative-security facilitator, and outline beneficiaries.
  3. Scott guides Advanta’s transaction desk, executes the Bitcoin purchase, and moves funds into your multisig vault.
  4. Finalize documentation: estate inserts, distribution instructions, and optional recovery rehearsals.

Already working with Advanta? Scott can coordinate directly with your account manager to expedite the process.

Schedule time with Scott

Bring approximate rollover amounts, target timelines, and existing custodian info. Scott will map next steps and coordinate the Advanta paperwork.

Headshot of Andy Pattinson

Andy Pattinson

Founding Partner · Bitcoin Superannuation

Andy co-founded The Bitcoin Adviser alongside Peter Dunworth and created BitcoinSuper.io. He guides Australians through SMSF transitions, keeping accountants, trustees, and beneficiaries aligned while collaborative custody is deployed.

SMSF + TBA Workflow

  1. Audit existing super funds, beneficiaries, and adviser requirements. Gather deeds, trust docs, and administrator contacts.
  2. Coordinate SMSF setup or conversion with your accountant, open banking rails, and capture ATO/tax filings.
  3. Build the multisig vault, distribute keys, and document beneficiary instructions alongside SMSF binders.
  4. Schedule quarterly/annual reviews so valuations, firmware, and estate inserts stay current.

Need prep materials? Start with the checklists on BitcoinSuper.io before your session.

Schedule time with Andy

Share your current fund, approximate balances, and SMSF administrator details. Andy will outline next actions, introduce supporting advisers, and plug you into the correct playbooks.

Collaborative Security

Secure Your Retirement Bitcoin For Decades

Why It Matters

  • Multisig ensures no single party—client, adviser, or custodian—controls the vault.
  • Battle-tested recovery walkthroughs prevent panic during stressful events.
  • Integrates directly with Estate Planning so heirs execute confidently.

Roles & Responsibilities

  • You initiate every transaction with secured credentials.
  • The Bitcoin Adviser verifies intent and co-signs when policy requirements are met.
  • Vault partner provides additional oversight, audits, and emergency support.

How It Works

  1. Deploy a 3-key multisig vault with clearly documented escalation paths.
  2. Document estate instructions and onboarding guides for heirs.
  3. Schedule annual recovery drills and quarterly check-ins.
  4. Integrate tax, legal, and fiduciary partners into the playbook.
Roadmap

Four Stages To Retirement Readiness

Assess

Inventory retirement accounts, Bitcoin exposure, compliance posture, and family requirements.

Design

Select SDIRA, SMSF, or equivalent. For US clients Scott coordinates Advanta applications, transfer forms, and beneficiary designations.

Implement

Stand up the multisig vault, onboard Advanta or local custodians, execute funding, and deliver inheritance playbooks.

Maintain

Run periodic audits, review recovery steps, refresh beneficiaries, and adjust allocations when circumstances change.

Key Considerations

Navigate Tax, Regulation, And Risk

Tax & Compliance

  • Contribution limits, RMDs, and jurisdiction-specific reporting.
  • Avoid prohibited transactions through qualified custodians.
  • Coordinate with CPAs and legal advisers from the outset.

Risk Management

  • Plan around volatility with multi-year horizons and liquidity buckets.
  • Blend Bitcoin with cash flow needs, treasuries, or other assets.
  • Maintain device hygiene, access logs, and tamper-evident backups.
Who We Support

Clients We Guide

Individual Bitcoiners

  • High conviction holders seeking tax-advantaged growth.
  • Technical or non-technical clients needing tailored education.

Families & Trusts

  • Multi-generational estates with complex beneficiary trees.
  • Family offices coordinating trustees, fiduciaries, and executors.

Professionals

  • Financial advisers integrating Bitcoin into retirement portfolios.
  • Estate attorneys and accountants aligning documentation with custody reality.

Plan Your Bitcoin Retirement

Bundle retirement planning with Collaborative Security, Education & Advisory, and Estate Planning to build a complete retirement programme.

Book A Retirement Consultation Review The FAQ