5 Client Crypto Questions You'll Face in 2025 (And How to Answer Them)

Beyond the basics: handling the crypto questions that separate confident advisors from the rest

Clients are asking sophisticated questions about integration, risk management, and practical implementation—whether they already hold crypto or are just starting to consider it.

The chart below shows why: family offices and hedge funds overwhelmingly plan to increase digital asset allocations in 2025, driven by return expectations that outpace traditional asset classes. When institutional money moves this decisively, client questions get more complex.

Here are the five questions you're most likely to encounter—and frameworks for handling them with confidence.

1. "How can I structure my estate plan to ensure my heirs inherit my crypto assets without losing access to private keys or facing massive tax hits?"

Why you're hearing this: Estate planning concerns aren't just for current crypto holders. Clients considering crypto investments or those who might inherit crypto are equally worried about succession planning and tax implications.

Your response framework: "This requires coordination between your estate attorney, tax advisor, and someone who understands crypto custody. The basic principle is similar to any other asset—we need proper documentation, legal structure, and succession planning.

For the legal structure, a revocable living trust typically works better than a will because it avoids probate and keeps details private. Your heirs get stepped-up basis, which can save substantial taxes.

For access, you'll need secure documentation of what you own and how to access it—but this can't go in your public will. I work with estate attorneys who specialize in digital assets to create private addendums with these details.

When to refer out: 'For holdings over $500K or complex custody arrangements, you'll need an estate attorney who specifically handles digital assets. I can recommend several who understand both the legal and technical requirements.'"

Key insight: Focus on the financial planning aspects—tax optimization, trust structures, beneficiary planning. Leave the technical custody details to specialists.