『Digital Asset Planning』のカバーアート

Digital Asset Planning

Digital Asset Planning

著者： Ran Chen EA CFP®
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 Digital Asset Planning is a podcast for people who want to treat crypto and digital assets as part of a real financial life — not just as investments. Hosted by Ran Chen, EA, CFP®, this podcast brings a professional financial planning perspective to an area that is often dominated by price speculation and deal-driven commentary. Ran is a seasoned financial professional who works with high-net-worth individuals and families, many of whom have international backgrounds and complex financial lives that span multiple jurisdictions. As digital assets become a meaningful part of personal and family wealth, questions around tax, estate planning, risk, access, and long-term responsibility matter far more than short-term market movements. Yet there are very few financial professionals who approach crypto through a holistic planning lens — integrating digital assets into broader tax strategies, estate plans, protection planning, and life decisions. This podcast exists to fill that gap. Each episode explores how digital assets intersect with real-world financial planning, including crypto tax considerations, estate and legacy planning, cross-border issues, custody and access risks, and common mistakes serious asset holders make. The focus is practical, thoughtful, and grounded in professional experience — not hype or investment advice. For articles, guides, and additional resources, visit https://digital-asset-planning.comCopyright 2025 Ran Chen, EA, CFP® 個人ファイナンス 経済学
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  • Crypto Custody Strategy: Exchange Risks vs. Self-Custody Wallet Security for Estate Planning

    Crypto Custody Strategy: Exchange Risks vs. Self-Custody Wallet Security for Estate Planning
    2025/12/25
    This episode explores the critical financial planning differences between holding digital assets on custodial exchanges versus in non-custodial self-custody wallets. We analyze the trade-offs between convenience and control, highlighting the profound impact on risk management, estate planning, and asset accessibility for heirs. By examining historical exchange failures and the responsibilities of sovereign ownership, we provide a framework for making informed decisions that align with long-term financial security and legacy protection. - What is the single most important difference between an exchange account and a personal crypto wallet? - If an exchange goes bankrupt, what really happens to your assets? - Why is "not your keys, not your coins" more than just a slogan for serious investors? - How does your choice of custody affect how your heirs can access your assets? - What are the unique estate planning challenges for self-custody wallets? - Are exchanges located in different countries riskier for your portfolio? - What security questions should you ask before trusting a custodial platform? - Can a financial plan account for the risk of a platform freezing your account? Digital Asset Planning is hosted by Ran Chen, EA, CFP®. He is a seasoned financial professional specializing in complex cases for high-net-worth individuals and families with international backgrounds. Unlike standard crypto commentary, this podcast focuses on the intersection of digital assets and real-world financial planning—including tax strategy, estate and legacy planning, cross-border jurisdictional issues, and risk management. We help serious asset holders move beyond speculation toward long-term responsibility and protection. For more resources, visit https://digital-asset-planning.com.
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    3 分
  • Navigating Digital Asset Taxation: A Guide to Crypto Capital Gains, Staking Income, and 2025 Estate Tax Rules

    Navigating Digital Asset Taxation: A Guide to Crypto Capital Gains, Staking Income, and 2025 Estate Tax Rules
    2025/12/24
    This episode provides a comprehensive overview of the primary tax implications for digital asset holders. We explore how capital gains are triggered not just by selling, but also by trading and spending cryptocurrencies and NFTs. The discussion also covers how activities like staking, airdrops, and getting paid in crypto are treated as ordinary income. Finally, we break down the critical and time-sensitive rules for estate and gift taxes, highlighting the 2025 exemption amounts and the urgent planning considerations given the upcoming regulatory changes at the end of the year. - Did you know swapping one cryptocurrency for another is a taxable event? - How are your staking rewards taxed, and when do you owe the IRS? - Are you prepared for the significant drop in the estate tax exemption after 2025? - What is the difference between long-term and short-term capital gains for your digital assets? - How can you gift NFTs or crypto to family without creating a surprise tax bill? - Why is tracking the fair market value of airdrops and other income crucial for tax reporting? - Could your digital assets be subject to a 40% federal estate tax? Digital Asset Planning is hosted by Ran Chen, EA, CFP®. He is a seasoned financial professional specializing in complex cases for high-net-worth individuals and families with international backgrounds. Unlike standard crypto commentary, this podcast focuses on the intersection of digital assets and real-world financial planning—including tax strategy, estate and legacy planning, cross-border jurisdictional issues, and risk management. We help serious asset holders move beyond speculation toward long-term responsibility and protection. For more resources, visit https://digital-asset-planning.com.
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    3 分
  • Why Your Will and Trust Are Legally Incomplete Without Specific Digital Asset Clauses

    Why Your Will and Trust Are Legally Incomplete Without Specific Digital Asset Clauses
    2025/12/23
    This episode explains the critical need to explicitly include digital assets in your will, trust, and other estate planning documents. We discuss how outdated legal language can prevent heirs and fiduciaries from accessing, managing, or inheriting digital property, from cryptocurrency to cloud-stored data. By understanding frameworks like the Revised Uniform Fiduciary Access to Digital Assets Act (RUFADAA) and ensuring your legal documents contain specific, unambiguous instructions, you can prevent your valuable digital legacy from being lost or frozen. Key Questions: - Does your will or trust specifically mention digital assets like cryptocurrency, NFTs, or even social media accounts? - What is the Revised Uniform Fiduciary Access to Digital Assets Act (RUFADAA) and how does it affect your estate? - Can your executor legally access your online accounts without your explicit permission in a will? - Why might a service provider's terms of service prevent your family from accessing your digital property? - What happens to funds in a PayPal or Venmo account if it's not addressed in your estate plan? - What's the difference between the "catalog" and "content" of your digital communications, and why does it matter for your trustee? - Is the phrase "all my property" enough to cover digital assets in a legal document? - How can you ensure your fiduciaries have the authority to manage your private keys and crypto wallets? Host Introduction (approx. 30 words): Digital Asset Planning is hosted by Ran Chen, EA, CFP®. He is a seasoned financial professional specializing in complex cases for high-net-worth individuals and families with international backgrounds. Unlike standard crypto commentary, this podcast focuses on the intersection of digital assets and real-world financial planning—including tax strategy, estate and legacy planning, cross-border jurisdictional issues, and risk management. We help serious asset holders move beyond speculation toward long-term responsibility and protection. For more resources, visit https://digital-asset-planning.com.
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    3 分
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