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.
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
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 questions
Question 01 of 06
Can I really hold Bitcoin in an IRA?
Yes, at custodians that support digital assets within qualified-retirement structures. DAG Wealth handles account setup, the rollover paperwork, and ongoing management.
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