Bitcoin IRA Decision Tool | Interactive Demo

1

Initial Qualification

Let's see if a Bitcoin IRA makes sense for you

Are you a United States taxpayer?

✓ Yes

I file US taxes and am subject to IRS rules

✗ No

I am not a US taxpayer

Is this money meant for retirement rather than short-term spending?

✓ Yes, for retirement

I won't need this money for many years

✗ No, might need it sooner

I may need access within a few years

How many years until you think you will need this money?

Less than 5 years

Short-term horizon

Between 5 and 15 years

Medium-term horizon

More than 15 years

Long-term horizon

How do you feel about price drops in Bitcoin?

😰 I panic easily

Large price drops make me very uncomfortable

😬 I feel nervous but can stay calm

It's uncomfortable but I can handle it

😎 I can handle big swings without reacting

Volatility doesn't bother me

Why are you interested in a Bitcoin IRA instead of buying Bitcoin directly in self-custody? (Select all that apply)

Tax advantages — I want tax-deferred or tax-free growth

I already have most wealth in retirement accounts — My funds are already in 401(k)/IRA structures

My adviser suggested it — Professional recommendation

I am not sure — Still exploring options

2

Clarify Your Goals

Define what you want Bitcoin to do in your retirement plan

What role(s) do you want Bitcoin to play in your retirement plan? (Select all that apply)

Hedge against money printing — Protection from inflation and currency debasement

High growth part of my portfolio — Seeking significant appreciation potential

Way to pass wealth to family — Intergenerational wealth preservation

Just a small experiment — Testing the waters with limited exposure

What matters more to you?

Protect current cash flow with tax deduction now

Traditional IRA approach - lower taxes today

Maximize tax-free withdrawals in the future

Roth IRA approach - tax-free growth and withdrawals

If Bitcoin dropped fifty percent next year, how would you react?

😱 I would sell

I'd want to cut losses

⏳ I would wait

Hold and hope for recovery

🎯 I would likely buy more

View it as an opportunity

3

Traditional vs Roth

Choose the account type that matches your tax situation

Quick Reminder

Traditional: You may get a tax break now, you pay tax when you withdraw in retirement
Roth: You pay tax now, qualified withdrawals after retirement can be tax-free

Is your current income tax rate likely lower or higher than what you expect in retirement?

Lower now

I'm in a relatively low tax bracket currently

Higher now

I'm in a high tax bracket currently

No idea

Hard to predict future tax rates

Can you afford to pay taxes now in order to have tax-free Bitcoin withdrawals later?

✓ Yes

I can handle the tax burden now for future benefit

✗ No

I need the tax deduction now

Do you already have Roth accounts?

✓ Yes

I have existing Roth IRA or Roth 401(k)

✗ No

This would be my first Roth account

Are you close to Roth income limits this year?

What this means: If you earn too much money, the IRS won't let you contribute directly to a Roth IRA. For 2025, these limits begin at $161,000 for single filers or $240,000 for married couples filing jointly. If your income is near or above these amounts, you may need alternative strategies like a "backdoor Roth" conversion.

💡 Not sure? Check your most recent tax return for your Modified Adjusted Gross Income (MAGI) or select "Not sure" below.

Yes, close to limits

My income is near or above Roth limits

No, well below limits

I'm comfortably under the income limits

Not sure

Need to check my income level

4

Funding Strategy

Decide how you will fund your Bitcoin IRA

Do you have any of these right now? (Select all that apply)

Old 401(k) from a past job

Current 401(k) with in-service rollover allowed

Existing Traditional or Roth IRA

None of the above

Do you want to:

Move some of an old account into Bitcoin

Rollover existing retirement funds

Only add new yearly contributions

Start fresh with new money

Do both

Rollover plus ongoing contributions

Roughly how much are you thinking of putting into Bitcoin through retirement accounts in the next year?

Enter amount in USD (e.g., 10000 for $10,000)

What percent of your total retirement savings would that be?

Rough estimate is fine

Less than 5%

Small allocation

5-10%

Moderate allocation

10-25%

Significant allocation

More than 25%

Major allocation

5

Allocation & Risk Guardrails

Set your target Bitcoin allocation

What is your total retirement balance across all accounts today?

Approximate total in USD

Maximum percent of that amount you feel comfortable holding in Bitcoin

Under 5%

Very conservative approach

Between 5 and 10%

Moderate approach

Between 10 and 20%

Aggressive approach

More than 20%

Very aggressive approach

How would you feel if your Bitcoin part dropped by half while stocks stayed flat?

😰 I would change my plan

Would need to reduce or exit position

😬 I would feel bad but stay with the plan

Uncomfortable but committed

😎 I would see it as a chance to add more

View drops as opportunities

Do you want to add Bitcoin slowly over time or in one larger move?

📅 Monthly plan

Dollar-cost averaging over time

💰 One-time lump sum

Single allocation

🔄 Mix of both

Initial amount plus ongoing contributions

6

Security & Custody Preferences

Define your security requirements

Important Note

In a Bitcoin IRA, you do not hold the keys yourself. A regulated custodian must hold them on behalf of the account. Security still matters a lot.

Are you comfortable with professional custody that uses cold storage and multi-sig controls instead of your own hardware wallet?

✓ Yes, comfortable

I trust regulated custodians with proper security

✗ No, not comfortable

I strongly prefer self-custody

🤔 Unsure, want a call

Need more information to decide

Which of these security features do you see as non-negotiable? (Select all that apply)

Cold storage for most funds

Multi-sig controls

Insurance against theft or custodian error

Regular third-party security audits

How important is clear reporting for tax and compliance?

Very important

Need detailed, clear records

Somewhat important

Basic reporting is fine

Not important

I'll handle my own records

Do you prefer a provider who focuses only on Bitcoin or one that holds many coins?

Bitcoin-only

Specialized Bitcoin focus

Multi-crypto

Flexibility to diversify into other assets

Either is fine

No strong preference

7

Understanding Provider Fees

Learn what to look for in providers

When comparing providers, which factors matter most to you? (Rank or select top 3)

Lowest total fees

Highest security & insurance

Ease of use & customer support

Established reputation & track record

Educational resources & guidance

Are you willing to pay higher fees for better security and insurance?

✓ Yes

Security is worth the premium

✗ No

I want the lowest fees possible

⚖️ Need balance

Want reasonable fees with solid security

8

Withdrawal Rules & Risks

Understand the constraints and penalties

How old are you now?

This determines your withdrawal timeline

Do you expect to touch this Bitcoin IRA before age 59½?

Yes, likely

I may need to access funds early

No, won't touch it

Can wait until retirement age

Maybe / Unsure

Life circumstances may change

If you had a sudden need for cash, what backup options would you consider? (Select all that apply)

Tap non-retirement Bitcoin first — Keep IRA untouched, use other holdings

Tap cash savings — Use traditional emergency fund

Tap the IRA even with penalty — Would accept penalty if necessary

⚠️ Important Penalties to Understand

Early Withdrawal (before 59½): 10% penalty + income taxes

Traditional IRA RMDs: Required minimum distributions start at age 73

Roth IRA: Contributions can be withdrawn tax/penalty-free anytime, but earnings have rules

9

Final Reflection

Confirm your decision before seeing recommendations

After going through these questions, do you still want to move ahead with a Bitcoin IRA?

✓ Yes, I'm ready to proceed

Show me my personalized plan

⏸️ I'll pause and learn more

Need more education first

✗ No, not for me right now

Will explore other options

How This Tool Works

Initial Qualification

Are you a United States taxpayer?

Is this money meant for retirement rather than short-term spending?

How many years until you think you will need this money?

How do you feel about price drops in Bitcoin?

Why are you interested in a Bitcoin IRA instead of buying Bitcoin directly in self-custody? (Select all that apply)

Clarify Your Goals

What role(s) do you want Bitcoin to play in your retirement plan? (Select all that apply)

What matters more to you?

If Bitcoin dropped fifty percent next year, how would you react?

Traditional vs Roth

Quick Reminder

Is your current income tax rate likely lower or higher than what you expect in retirement?

Can you afford to pay taxes now in order to have tax-free Bitcoin withdrawals later?

Do you already have Roth accounts?

Are you close to Roth income limits this year?

Funding Strategy

Do you have any of these right now? (Select all that apply)

Do you want to:

Roughly how much are you thinking of putting into Bitcoin through retirement accounts in the next year?

What percent of your total retirement savings would that be?

Allocation & Risk Guardrails

What is your total retirement balance across all accounts today?

Maximum percent of that amount you feel comfortable holding in Bitcoin

How would you feel if your Bitcoin part dropped by half while stocks stayed flat?

Do you want to add Bitcoin slowly over time or in one larger move?

Security & Custody Preferences

Important Note

Are you comfortable with professional custody that uses cold storage and multi-sig controls instead of your own hardware wallet?

Which of these security features do you see as non-negotiable? (Select all that apply)

How important is clear reporting for tax and compliance?

Do you prefer a provider who focuses only on Bitcoin or one that holds many coins?

Understanding Provider Fees

When comparing providers, which factors matter most to you? (Rank or select top 3)

Are you willing to pay higher fees for better security and insurance?

Withdrawal Rules & Risks

How old are you now?

Do you expect to touch this Bitcoin IRA before age 59½?

If you had a sudden need for cash, what backup options would you consider? (Select all that apply)

⚠️ Important Penalties to Understand

Final Reflection

After going through these questions, do you still want to move ahead with a Bitcoin IRA?

Any specific concerns or questions you want addressed? (Optional)