Crypto Estate Planning for Digital Asset Holders
Crypto estate planning and gifting strategies designed to minimize transfer taxes, preserve wealth across generations, and ensure yourdigital assets reach the right hands. We also account for how the IRS treats crypto when planning transfers.
What happens without a plan.
40% Federal Estate Tax
Without proper planning, up to 40% of your crypto wealth can be claimed by the federal estate tax. Digital assets are no exception, the IRS treats them like any other property in your estate.
Heirs Left Scrambling
Without a succession plan, heirs face lost wallet access, missing seed phrases, and no documentation of cost basis, turning inheritance into a tax and logistics nightmare.
Missed Gifting Exemptions
Every year you skip strategic gifting, you lose the annual exclusion amount permanently. Over a decade, that can mean millions in unnecessary estate tax exposure.
Wealth preservation, compared.
Without Planning
$12M to heirs
With COS Elite
$18.8M to heirs
Illustrative scenario based on a $20M digital asset estate. Results vary by individual circumstances.
How we protect your legacy.
Estate Valuation
Assess all digital asset holdings, wallet structures, and current estate tax exposure to establish a clear baseline.
Strategy Design
Model gifting, trust, and entity structures to minimize transfer taxes while preserving control and flexibility.
Implementation
Draft trust documents, execute gifting strategy, and coordinate with estate attorneys to bring the plan to life.
Ongoing Monitoring
Annual review of exemption thresholds, asset valuations, and legislative changes to keep your plan optimized.
Every deliverable, accounted for.
Estate Tax Exposure Analysis
Full assessment of your digital asset portfolio against current federal and state estate tax thresholds.
Gifting Strategy Optimization
Annual and lifetime exemption planning to systematically reduce your taxable estate over time.
Trust Structure Recommendations
Irrevocable trusts, GRATs, and other vehicles tailored to your crypto holdings and family situation.
Digital Asset Succession Plan
Secure transfer protocols for wallets, seed phrases, exchange accounts, and DeFi positions.
Beneficiary Tax Impact Projections
Modeling of tax consequences for each beneficiary under different distribution scenarios.
Coordination with Estate Attorneys
Direct collaboration with your legal team to ensure tax strategy and legal documents align.
Annual Estate Review & Adjustment
Yearly reassessment of exemptions, valuations, and legislative changes to keep your plan current.
Built for those with wealth worth protecting.
The Crypto Millionaire
You hold significant digital wealth and need a defensible plan to protect it from estate taxes before they erode what you have built.
The Family Steward
You want to pass crypto to the next generation as tax-efficiently as possible, with clear access protocols and documented cost basis.
The Charitable Giver
You want to leverage appreciated crypto for philanthropic giving, reducing your taxable estate while supporting the causes you care about.
Estate planning questions, answered.
Have a question that is not covered here?