Retirement Planning with Bitcoin | The Bitcoin Adviser
Retirement Planning with Bitcoin
Retirement Planning

Prepare Your Retirement With Bitcoin Confidence

We help retirees and pre-retirees deploy Bitcoin inside retirement structures without sacrificing sovereignty. You keep control of your Bitcoin, while gaining the redundancy, documentation, and operational support that long-horizon planning demands—whether you’re handling a first rollover or managing decades of accumulated savings.

Quick Read

  • Apply collaborative security so no single person, device, or provider can compromise retirement Bitcoin.
  • Structure rollovers for balances of any size—from first transfers to complex multi-party trusteeships.
  • Integrate education, estate planning, and ongoing reviews so every stakeholder knows their role.
  • Cross-reference the central FAQ and Estate Planning page for inheritance specifics.

Educational and operational support only · Not financial, tax, or legal advice

Risk Landscape

What Goes Wrong Without A Retirement-Grade Plan

Single Points Of Failure

  • Exchange or platform risk: insolvency, freezes, policy changes, and account lockouts.
  • Single-device risk: one hardware wallet lost, damaged, or misconfigured.
  • Single-human risk: the knowledgeable person is unavailable when it matters most.

Process & Documentation Failure

  • No tested recovery path when life events happen.
  • Executors, trustees, or heirs lack credentials and clear instructions.
  • Retirement paperwork and custody reality are misaligned, causing delays.

Reality Check

Retirement planning fails most often through operational breakdown, not cryptography: missing steps, missing people, missing documentation. We design custody and recovery so the plan survives stress, time, and handovers.

Read: The mathematics of loss →

Why Bitcoin

A Long-Horizon Wealth Preservation Asset

Durability & Portability

  • A global bearer asset with high liquidity and divisibility.
  • Portability that helps retirees who relocate, travel, or hold multi-jurisdiction family ties.
  • Does not degrade physically; survivability is driven by custody and process.

Counterparty & Governance

  • No central issuer; ownership is enforced by keys and network consensus.
  • Reduces reliance on single institutions when implemented with robust custody.
  • Inheritance-ready when paired with collaborative security and tested playbooks.
Since 2016 Operational custody support across multiple market cycles

To date, we have recorded zero custody-loss incidents for clients operating under our collaborative security process.

Retirement Structures

Choose The Vehicle That Fits Your Jurisdiction

Self-Directed IRA (US)

  • Workflow support for common SDIRA structures (e.g., Traditional, Roth, SEP, Solo 401(k)).
  • Collaborative security multisig for client-controlled custody.
  • Documentation designed to remain usable for trustees and beneficiaries.
  • Learn about the IRA pathway →

SMSF (Australia)

  • Implementation support for SMSF transitions and operational alignment.
  • Coordination-ready documentation for accountants, administrators, and auditors.
  • Collaborative security vaults anchored in a retirement-grade process.
  • Learn about the SMSF pathway →

Global Retirement Planning

  • Cross-border planning considerations and reporting workflows.
  • Custody strategies for expatriates and multi-jurisdiction families.
  • Process design that remains stable through life events and handovers.

Acquisition & Execution

Once the retirement structure is in place, we coordinate operationally with the relevant parties (trustees/custodians and execution venues) so purchases and transfers land directly into the collaborative-security vault with clean records.

  • Trade confirmations and audit-friendly records for retirement files.
  • Transfer procedures tested before meaningful value moves.
  • Optional rehearsal for high-stress events and large transactions.

Note: we do not provide investment, tax, or legal advice, and we are not the custodian of retirement accounts.

Your Points of Contact

Retirement Specialists

Headshot of Scott Porter

Scott Porter

Self-Directed IRA Operations · Retirement Workflow Support

Scott brings three decades of enterprise IT and security experience to retirement clients. He provides technical and operational support across the retirement workflow: documentation, coordination, vault setup, and execution readiness. Scott does not provide financial, tax, legal, or investment advice.

Typical SDIRA Workflow

  1. Confirm retirement structure and custodial requirements with your chosen custodian and professionals.
  2. Design the collaborative security vault and document roles (client, adviser, vault partner, beneficiaries).
  3. Execute purchases/transfers with records that match retirement requirements and custody reality.
  4. Finalize estate-ready inserts, plus optional rehearsal and incident playbooks.
Schedule time with Scott

Bring approximate timelines, current provider details, and stakeholder names (custodian, CPA, attorney). We will map clean next steps.

Headshot of Andy Pattinson

Andy Pattinson

Founding Partner · Bitcoin Superannuation (SMSF)

Andy co-founded The Bitcoin Adviser and created BitcoinSuper.io. He supports Australians through SMSF transitions by aligning trustees, accountants, administrators, and beneficiaries—so custody and documentation remain coherent over decades.

Typical SMSF Workflow

  1. Inventory current super settings, stakeholders, and administrator requirements.
  2. Coordinate the SMSF implementation path with your accountant/administrator.
  3. Deploy collaborative security and document trustee/beneficiary responsibilities.
  4. Schedule periodic reviews so policies, firmware, and estate inserts remain current.

Prep materials live on BitcoinSuper.io.

Schedule time with Andy

Share approximate balances, current fund/provider details, and any administrator contacts. We will outline the cleanest next actions.

Collaborative Security

Secure Retirement Bitcoin For Decades

Why It Matters

  • Multisig reduces “one person / one device / one institution” failure modes.
  • Playbooks and rehearsals prevent panic during stressful life events.
  • Integrates directly with Estate Planning so heirs can execute confidently.

Roles & Responsibilities

  • You initiate every transaction with secured credentials.
  • We co-sign only with your authorization and documented intent checks.
  • The vault partner provides infrastructure support and additional oversight.

How It Works

  1. Deploy a 3-key multisig vault with documented escalation paths.
  2. Produce a retirement-grade documentation pack for stakeholders.
  3. Schedule periodic reviews and optional recovery drills.
  4. Keep estate instructions aligned with real custody, not theory.
Roadmap

Four Stages To Retirement Readiness

Assess

Inventory retirement accounts, stakeholders, custody posture, and family requirements.

Design

Select the jurisdiction-appropriate structure and define roles, authorizations, and documentation requirements.

Implement

Deploy multisig, execute purchases/transfers with clean records, and deliver estate-ready playbooks.

Maintain

Run reviews, refresh stakeholders and devices, and keep recovery steps current over time.

Disclaimer

Know Each Party’s Role

The Bitcoin Adviser provides education and operational support for Bitcoin custody and documentation. We are not a retirement account custodian, trustee, broker, dealer, or financial adviser, and we do not provide tax, legal, or investment advice.

You are responsible for selecting and contracting with the appropriate custodians, administrators, and licensed professionals. Always consult your CPA and attorney before executing retirement transactions—errors can trigger penalties or disqualify accounts.

Who We Support

Clients We Guide

Individuals

  • Retirees and pre-retirees seeking a coherent custody and documentation plan.
  • Technical or non-technical clients who want fewer failure modes.

Families & Trusts

  • Multi-generational estates with complex beneficiary trees.
  • Trustees and fiduciaries who need a tested execution playbook.

Professionals

  • Accountants, attorneys, and advisers aligning documents with custody reality.
  • Family offices coordinating governance across multiple signers.

Plan Your Bitcoin Retirement

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