A Wealth Architect engagement delivers a one-time crypto portfolio plan covering asset allocation, custody structure, and security improvements that the investor then executes independently. The investment advice is provided by DAG Wealth, LLC, an SEC-registered investment adviser, while DAG coordinates operational implementation support where needed.
What Is a Wealth Architect Service?
A Wealth Architect service is a fee-for-plan model: you pay once for a professionally designed crypto portfolio plan and implementation roadmap, then execute it yourself. It is distinct from ongoing discretionary management, no one is managing your portfolio on a continuing basis.
The plan typically addresses three areas:
- Allocation strategy, how to distribute holdings across assets based on your goals and risk tolerance
- Custody and security, where to store assets, which custody tier fits your portfolio size, and how to structure key management
- Security gap analysis, a prioritized list of vulnerabilities in your current setup with specific remediation steps
Who Provides the Investment Advice?
DAG Wealth, LLC provides the investment advice component, risk profiling, allocation recommendations, and the formal advisory relationship. That work requires a registered investment adviser and is delivered under their SEC registration.
DAG Wealth coordinates operational implementation if needed: entity setup, custody provider coordination, platform access. If you decide to engage help executing parts of the plan, DAG Wealth works with appropriate professionals on the operational side.
The distinction matters: the investment advice and portfolio strategy come from DAG Wealth; operational coordination runs through DAG Wealth.
Who This Service Fits
Consider a Wealth Architect engagement if you:
- Want to stay in control of execution but need a professional framework to plan from
- Hold meaningful crypto across multiple wallets, exchanges, or chains with no coherent organization
- Suspect gaps in your current custody or key management setup but are unsure where to start
- Prefer a one-time planning fee over ongoing management costs
- Enjoy managing your portfolio directly and want expert guidance without surrendering control
This service is not designed for investors who want someone else to handle ongoing trading, rebalancing, or day-to-day decisions. For those needs, a different engagement structure applies.
How to Build a Crypto Portfolio Plan: The Process
Step 1: Initial consultation
Meet with DAG Wealth to discuss your holdings, goals, risk tolerance, and current concerns.
Step 2: Portfolio review
Provide details on what you own, where it is stored, and how you currently manage it.
Step 3: Plan creation
DAG Wealth builds a custom allocation strategy, custody recommendations, and security roadmap based on your situation.
Step 4: Plan delivery
You receive a comprehensive document with specific recommendations and sequenced implementation steps.
Step 5: Self-directed execution
You follow the roadmap at your own pace. DAG Wealth is not managing the portfolio; you are.
Step 6: Optional operational support
If you need help with entity formation, custody provider onboarding, or platform integration, DAG Wealth can coordinate that work with appropriate professionals.
What the Plan Includes
| Component | What it covers | Who delivers it |
|---|---|---|
| Portfolio allocation strategy | Asset distribution, diversification, allocation percentages based on risk profile | DAG Wealth |
| Custody and security recommendations | Hardware wallet strategy, exchange selection, institutional custody assessment, multi-sig setup | DAG Wealth |
| Security gap analysis | Identified vulnerabilities in key management, wallet configuration, centralization risk, inheritance gaps, prioritized by severity | DAG Wealth |
| Implementation roadmap | Sequenced action plan with verification checkpoints | DAG Wealth |
| Operational coordination (optional) | Entity setup, custody onboarding, platform access | DAG Wealth |
For context on custody tiers covered in the recommendations, see crypto custody options compared and qualified custody vs self-custody for crypto wealth.
What You Do Not Get
To be clear about scope:
- No ongoing portfolio management. No trades, rebalancing, or continuing advisory relationship is included.
- No real-time advice. The plan reflects your situation at the time of engagement. Markets and regulations change; you adapt.
- No unlimited revisions. You receive one comprehensive plan. Significant life changes or portfolio shifts may require a new engagement.
- No execution hand-holding. The roadmap specifies what to do; executing it is your responsibility.
Pricing Considerations
Fees vary based on portfolio complexity. As an illustrative reference only, planning fees may fall in a range of roughly $2,500–$10,000; this is not a quote, verify current pricing directly with DAG Wealth. Factors that affect complexity include portfolio size, number of assets and chains, entity structure considerations, and custom security requirements.
A comparison to ongoing management fees is sometimes useful context: management fees are typically charged annually as a percentage of assets. A one-time planning fee may represent a different cost structure for investors who are prepared to handle execution themselves. Neither structure is inherently appropriate for all situations, that depends on individual circumstances.
When to Update Your Plan
A Wealth Architect plan reflects a point in time. Consider a revised engagement when:
- Your portfolio has grown significantly
- You experience a major liquidity event or token unlock
- Regulations affecting your strategy change materially
- Your risk tolerance or financial goals shift
- New custody options become relevant to your structure
- You are adding structurally complex new assets
For estate-related triggers specifically, see common crypto estate planning mistakes and crypto estate planning for high-net-worth families.
Common Problems a Portfolio Plan Addresses
Investors who operate without a structured plan often share a set of recurring issues:
- Overconcentration, holdings reflect early purchase history rather than a deliberate allocation framework
- Custody fragmentation, assets scattered across exchanges with no security protocol and no single view
- Succession gaps, no documented plan for heirs to recover assets; see what happens to crypto when you die
- Tax record disorder, no cost basis tracking, no lot-identification strategy; see crypto tax planning for HNW investors
- Security through obscurity, no formal custody structure, relying on the assumption that holdings are unknown
A structured portfolio plan addresses each of these areas explicitly rather than leaving them to accumulate as risk over time.
Related Questions
Is a Wealth Architect service the same as having an investment adviser manage my portfolio?
No. A Wealth Architect engagement produces a one-time plan, the investment advice and allocation strategy come from DAG Wealth, but that adviser is not managing your portfolio on an ongoing basis after delivery. You retain full control and execute the plan yourself.
Does the plan cover estate and succession planning for my crypto?
A Wealth Architect plan can include inheritance planning gaps as part of the security gap analysis, but estate planning documents (wills, trusts, letters of instruction) require separate legal work. For dedicated coverage, see crypto inheritance planning for high-net-worth families and digital asset estate planning checklist.
What if my situation changes after I receive the plan?
The plan is not self-updating. If you experience a significant portfolio change, liquidity event, or shift in goals, a new engagement with DAG Wealth would produce a revised plan. Regulatory changes that affect your strategy also warrant a review.
Can DAG Wealth help me implement the custody recommendations in the plan?
DAG Wealth can coordinate operational implementation, entity formation, custody provider onboarding, platform access, with appropriate professionals. The operational coordination is separate from the investment advisory work delivered by DAG Wealth.
Sources
- SEC Investment Advisers Act of 1940, Section 202(a)(11), definition of investment adviser: https://www.sec.gov/
- SEC Investment Adviser Public Disclosure (IAPD), adviser registration lookup: https://www.adviserinfo.sec.gov/
- SEC Marketing Rule (Rule 206(4)-1 under the Advisers Act), effective November 4, 2022: https://www.sec.gov/rules/final/2020/ia-5653.pdf
Compliance Note
This page describes a service offering for educational purposes only. It is not investment, legal, or tax advice, and does not constitute a solicitation or offer to provide advisory services. Advisory services are provided by DAG Wealth, LLC, an SEC-registered investment adviser; DAG Wealth is a brand pending a Form ADV update. Registration does not imply a certain level of skill or training. Advisory services are subject to a formal client agreement and applicable regulatory requirements. Consult a qualified investment adviser, attorney, and tax professional regarding your individual circumstances. Digital assets involve material risks including price volatility, regulatory uncertainty, custody and key management risk, and potential total loss of value.