Important information
This service helps you design and maintain collaborative security around Bitcoin held in a retirement account. We may act as a key agent, but we do not take custody, manage assets, give investment advice, or control your Bitcoin unilaterally.
What we do and what we do not do
We do
- Bitcoin education and collaborative-security design.
- Multisig structure guidance and setup support.
- Key agency within documented workflows.
- Continuity and inheritance documentation.
- Reviews and coordination with your existing advisers.
We do not
- Take custody of your Bitcoin.
- Hold unilateral control.
- Pool, lend, trade, or manage client assets.
- Give financial, tax, legal, or estate advice.
- Recommend buy / sell / hold decisions.
- Guarantee recovery, security, or performance.
Key agency & beneficial ownership
You retain beneficial ownership and participate in a client-controlled signing structure. In a properly implemented 2-of-3 multisig, no single party (including us) can move Bitcoin without the agreed policy and authorisations.
- We cannot move your Bitcoin alone.
- We do not pool client assets or use omnibus wallets.
- Co-signing follows documented workflows, your authorisation, and identity verification.
No investment, legal, or tax advice
Our services are educational and operational. We do not advise on whether to buy, sell, hold, borrow against, or allocate capital to Bitcoin, and we do not determine your tax treatment or reporting obligations.
Any continuity or estate documentation is designed to support, not replace, your legal estate documents. It is not a will, a trust, or a substitute for legal advice.
Risks you should understand
Bitcoin and self-custody involve significant risks. Collaborative security can reduce avoidable failure points but introduces coordination requirements. It cannot eliminate risk.
Volatility. Price can move sharply; you may lose some or all of your capital.
Total loss. Lost keys, forgotten passphrases, or unrecoverable backups can mean permanent loss.
Key compromise. Theft, phishing, malware, or coercion may compromise private keys.
Operational error. Wrong transaction details, address reuse, or poor device handling may cause loss.
Third-party platforms. Wallet vendors, coordination software, exchanges, and custodians may fail, change terms, or become unavailable.
Inheritance coordination. Beneficiaries, executors, or advisers may misunderstand instructions or fail to coordinate.
Identity & authorisation. Fraudulent requests, impersonation, or social engineering may affect workflows.
Fees & tax. Transactions, transfers, or disposals may create tax, accounting, or reporting obligations.
Regulatory change. Laws and tax treatment vary by jurisdiction and may change.
Coercion & incapacity. Duress, dementia, or other incapacity may complicate access and recovery.
No guarantee of security or recovery
Collaborative security, key agency, documentation, and education are designed to reduce avoidable failure points. They do not guarantee recovery, prevent all loss, stop all theft, or ensure beneficiaries will act successfully.
These services are not insurance and are not a substitute for appropriate legal, tax, estate, security, or insurance arrangements.
Terms prevail
This page is a general summary. It does not replace any written engagement terms or terms of service. If there is any inconsistency, the applicable written agreement prevails.
BitcoinIRA.io is an unaffiliated educational resource. Nothing here is financial, tax, legal, or investment advice. Confirm details with your custodian and licensed professionals before acting.