Buying on an exchange is a transaction. Wealth management is a plan — how the position fits your overall portfolio, how it's custodied, how it's taxed, and how it gets passed to heirs. For clients with meaningful crypto holdings, that planning layer is where the work is.

We work with qualified institutional custodians and can evaluate self-custody arrangements for clients who prefer direct control. Multi-signature setups, hardware wallet protocols, and key recovery planning are part of the conversation. Custody decisions depend on size of holdings, security preferences, and estate planning needs.

Yes. Unlike stocks, crypto is not currently subject to the wash-sale rule under existing IRS guidance, which can create more flexibility for tax-loss harvesting across positions. That guidance could change, and specific strategies depend on your individual facts — we coordinate with your CPA or a specialist on implementation.

Staking rewards, airdrops, and DeFi yield each have distinct tax implications and reporting requirements. Treatment is evolving and often situation-specific. We can help identify what needs to be tracked, but tax filing and advice come from your CPA or a qualified tax professional.

Without a plan, digital assets can be lost permanently when access credentials aren't documented. We help clients coordinate with estate counsel on access documentation, trust structures where appropriate, and executor-accessible recovery protocols. The goal is inheritable wealth, not orphaned keys.

No. XWEALTH is a registered investment adviser, not a custodian. Client assets — including digital assets — are held with qualified custodians or, where applicable, in client-controlled wallets. We provide advice, planning, and coordination, not custody.