MCA – Mountain Crypto Advisers is the quarterback of your planning.
The team is comprised of a strategic network of certified public accountants, financial planners, trust experts, estate planning attorneys, insurance specialists, real estate experts, trustees, trust protectors, and entrepreneurial advisors – all under one roof! The MCA team has the unique ability to offer crypto owners a wide breadth of expertise influenced not just by an understanding of crypto, but by decades of experience across a team that currently plans for some of the richest families in the world.

Learn more about what makes MCA unique by watching this film.

Mountain Crypto Advisers tailors time-tested planning strategies to the fiat off-ramp. Our focus isn’t just on tax mitigation, our focus is on implementing holistic planning strategies that couple tax mitigation with cash flow generation, protecting what you’ve earned, privacy for you and your family, and integrated investment opportunities, together, aimed at funding the lifestyle you want in a manner that’s private and protected. 10% of our energy goes into setting up your plan, and while initial planning covers multiple technical considerations and calculations, it’s the easy part (in our opinion). 90% of our energy goes into what matters most: administering, monitoring, adapting, and proactively influencing your plan to maximize its tax and planning efficiency as you offramp. We’re involved not just in setting-up your plan, but continually – focused on advising you and adapting your plan as your circumstances change. Learn about how MCA is leveraging time-tested strategies to create income-producing strategies for its clients – and how it may benefit you, by watching this film.

What’s a Strategic Partner?

In planning – implementation is everything. Cryptocurrency for example is evolving in the eyes of the government and the IRS. To protect your gains you need an airtight plan that’s informed by multiple overlapping and integrated considerations – tax, financial, trust, estate, insurance, etc. – in a manner that allows each to work in concert together. With clients mostly involved in more legacy products/investments you probably won’t face so many considerations each year. Mountain Crypto Advisers is the one-stop-shop for your planning needs and there’s a reason for that. There’s no doubt that other talented and experienced professionals exist outside of MCA, but rarely do we find talented and experienced professionals that are able to effectively communicate and integrate their plan into the larger plan. Clients that engage multiple service providers (e.g., attorney, trustee, CPA, insurance agent, etc.) often end up with isolated plans – a tax plan, an estate plan, a trust plan, an insurance plan – plans that don’t effectively consider and account for the overlap across other planning disciplines. Ensuring your plan works in harmony across all planning arenas is what makes a plan effective and it’s why MCA quarterbacks the planning process across all planning disciplines. Learn more about why holistic and integrated planning is important and how it may benefit you by watching this film.

Proactive planning is critical to ensuring you maximize your plan’s effectiveness. Even if you don’t plan on off-ramping to fiat within the short term, having the infrastructure of your plan built, is critical to take advantage of the tax benefits when you do sell and the asset protection and estate planning benefits before you sell. Learn more about why it is important to be proactive in setting up your plan by watching this film.

It’s no secret that crypto owners especially see moving out of the US as a means of avoiding crypto gain taxes. Unfortunately, it’s not as simple as it seems, and there’s a lot of misinformation floating around. If you believe the United States government cares about your feelings related to paying them taxes, you’re wrong. The government is not okay with you picking up your bags and moving without paying them a penny. While there may be some tax benefit associated with moving internationally, it often comes with many practical downsides that are not considered. At our core, we’re not opposed to you fleeing the country, we’re just here to tell you that there’s tax-efficient alternatives to that extreme option. Learn more about why crypto owners do not need to flee the country to protect their gains and how it may benefit you, by watching this film.

We know that cryptocurrency is going to be attacked – too many regulatory bodies do not understand it or just don’t like it. Our planning is focused on building a defendable position for you, your family, and what you’ve earned. To learn more about how crypto owners can come together to build their defensible position, watch this film.

Absolutely not. We do NOT control when you sell, how much you sell, and we do not have access to your seed words. We value and respect your privacy and security. We DO maintain a continual involvement in your planning, as a source of proactive advice. As you consider off ramping, we discuss tax implications and planning strategies, along with how to make the money productive when it’s converted to cash, so that you can buy the things you want and have the income stream you desire. Learn more about how working with MCA may benefit you by watching this film.

We’re highlighting three trusts, but there’s more we consider based on our client’s situation, goals, and objectives. Most clients ask why more than one trust is needed, and it’s a valid question. The reality: each trust optimizes a particular benefit. In an ideal world, you would have one trust that optimizes all benefits, but it doesn’t exist. If it did, the trust would conflict with itself – because certain benefits of a trust preclude it from taking advantage of other planning benefits, hence the need for trusts focused on optimizing specific benefits – privacy, protection, tax, etc. Our trusts are built to hold your assets (e.g., crypto and non-crypto) before and after you sell them. When you sell your crypto, the cash proceeds are put to work within the trusts in a manner focused on income production.  The Revocable Living Trust, the Domestic Asset Protection Trust, and the Charitable Remainder Trust are topics of this conversation, but our conversation may expand into other trust planning realms based on your facts and circumstances. Learn more about how each trust may benefit you by watching this film. You can also learn more about each trust in the films specific to each trust, below.

The Revocable Living Trust is a centerpiece of your estate plan. It provides guidance (a customized “rule book”) that spells out the management and transfer of your wealth in the case of your (and your spouse’s) disability and death, ensuring that your wealth passes to those you care about in a controlled and private manner. The Revocable Living Trust is, as is indicated in its name, revocable. Meaning, it can be amended or revoked by you at any point, as many times as you’d like. This gives you the ultimate control over the “rule book,” what goes in the trust (or comes out) and who receives the benefit of the trust when you pass. Learn more about the Revocable Living Trust and how it may benefit you by watching this film.

The Charitable Remainder Trust is often used to mitigate taxes. Because it doesn’t pay taxes, it generally avoids capital gain tax exposure (federal and state) associated with the sale of highly appreciated assets held within it (e.g., crypto). In addition to not paying taxes, it permits its “founder” (known as the “Settlor” or “Grantor” – that’s YOU) to take a charitable income tax deduction associated with the value of assets contributed to the trust. This charitable income tax deduction shows up on your personal tax return, allowing you to offset and reduce tax outside of the trust (e.g., investment income, other crypto gains held outside the charitable trust, W-2 income, 1099, K-1, etc.). Generally, this trust’s benefit is most effectively tailored to the goals of the crypto owner when there’s an existing charitable intent. Learn more about this trust and how it may benefit you by watching this film.

Domestic Asset Protection Trusts are designed to keep your assets private and protected, as a risk mitigation strategy to minimize the threat of lawsuits. This trust allows the owner to keep certain assets outside the scope of certain liability, if the trust is set-up within an effective jurisdiction, and administered effectively. In addition, the trust may provide a tax benefit in a manner that excludes certain income from state taxation. Learn more about how establishing a Domestic Asset Protection Trust may benefit you by watching this film.

Contrary to what many people assume, taxes are only a small part of building an effective plan. Executing and integrating the tax plan into the larger aspects of your plan is what matters most – and we’re here to do that. Our tax planning is proactive and focuses on various strategies aimed at eliminating, mitigating, and/or deferring capital gain, and/or state and federal income tax. Charitable Remainder Trusts, as a tax-focused trust solution; Qualified Opportunity Zones; as a tax-efficient business/real estate investment strategy; and tax-credit-focused investment strategies, are just some of the strategies we employ to enhance tax efficiency for our clients. Learn more about why by watching this film.