DAG Wealth
Retirement accounts that can hold digital assets
Account setup, rollovers and ongoing management of self-directed and managed IRAs, Roth IRAs, and 401(k) at independent custodians, all coordinated by DAG Wealth.
Section 01
Why hold crypto inside a retirement account
Tax-free or tax-deferred growth. Crypto held inside a Roth grows tax-free if qualified-distribution rules are met. Traditional IRA growth is deferred until withdrawal.
No capital-gains drag on rebalancing. Inside a retirement account, rebalancing and lot moves don't generate a current-year tax bill, which is useful for active strategies.
Creditor protection. IRAs and 401(k)s carry federal and state-level creditor protections that taxable accounts don't.
One coordinated balance sheet. Your retirement accounts, taxable accounts, and entity holdings managed under one investment policy with one advisor.
Watch the rules
- Prohibited-transaction rules: no using IRA assets to benefit you personally before retirement
- Self-dealing: you can't loan from your IRA to yourself or a related party
- Custodian fees can vary materially; disclosed before setup
- Required minimum distributions begin at the applicable RMD age for traditional accounts
- Roth conversions create taxable income in the year of conversion
Section 02
Account types we work with
Traditional IRA
Pre-tax contributions, tax-deferred growth, ordinary-income tax on withdrawals. The standard successor structure when an old 401(k) is rolled over.
Roth IRA
After-tax contributions, tax-free growth, tax-free qualified withdrawals. Crypto inside a Roth means no tax on appreciation if the rules are followed.
SEP IRA
Higher contribution limits for self-employed individuals and small-business owners. Same investment flexibility as a traditional IRA.
Solo 401(k)
Available to owner-only businesses. Pre-tax and Roth contributions, with higher limits than an IRA. Can hold crypto where the plan permits.
401(k) rollover
Move assets out of an old employer plan into a self-directed structure that can hold both traditional securities and digital assets.
Roth conversion
Convert pre-tax dollars to Roth in a year that makes sense, paying tax today to lock in tax-free growth. Coordinated with your CPA against current-year income.
Questions
Frequently asked
Next step
Tax-advantaged wrappers, coordinated with the rest of your balance sheet.
DAG Wealth is an investment adviser registered with the U.S. Securities and Exchange Commission. Registration with the SEC does not imply a certain level of skill or training. DAG Wealth acts as a fiduciary with respect to its advisory clients and does not provide legal or tax advice; consult a qualified professional.
Retirement-account contribution limits, rollover mechanics, conversion taxation, prohibited-transaction rules, RMD age, and early-withdrawal treatment depend on current law and individual circumstances. Custody is provided by third-party independent qualified custodians under separate agreements. Investing in digital assets involves substantial risk, including the possible loss of principal.
Compliance
DAG Private Client services involve estate matters that require qualified independent counsel in the applicable jurisdiction. LLC formation, trust drafting, and estate planning services are provided in coordination with or by qualified independent legal counsel licensed in the applicable jurisdiction. DAG is not a law firm, does not provide legal or tax advice, and does not provide tax preparation services; tax matters are handled through referrals to qualified tax professionals. DAG is not a financial advisor and does not provide financial advice. Investment advisory services are available through DAG Wealth. Digital Wealth Partners LLC (CRD No. 328627) is an SEC Registered Investment Advisor. Form ADV and Form CRS are available upon request or at www.adviserinfo.sec.gov. Registration with the SEC does not imply a particular level of skill or training.
Asset protection structures, including Wyoming LLCs and trusts, do not guarantee protection against all claims, creditors, or losses. Outcomes depend on specific facts, jurisdiction, and applicable law. The information on this page is for general educational purposes and is not legal or tax advice.