Mitch Moore

You just turned 59.5 and you have: • $2m in bitcoin • $2m in a 401k • $100k annual expenses • Will need to get health insurance pre-medicare Can you retire without ever selling your bitcoin?

Talked with a prospect yesterday that was worried a traditional retirement plan was outdated. He was afraid of waking up in 10 years with his retirement in jeopardy and it would be too late to correct. Inflation is the biggest risk every retirement portfolio right now and most are blind to it.

The biggest difference between a traditional retirement and a bitcoiner retirement is volatility. You must manage the short term volatility without forfeiting long term upside. Tough to do, but that's the beauty of Fluvius for so many of our clients.

Bitcoin in an IRA at a collaborative custody provider has no sovereignty benefit. I'd much rather trade bitcoin in Fluvius than let it sit there. Especially if i was in retirement.

Compounding at above market rates is the biggest lever we can pull to drive the most value for our clients. That's why we prioritize it over every financial planning trick and tax strategy out there. We take the low hanging fruit, but don't optimize to the nth degree on that stuff.

Turns out my nintendo wii is more robust than coldcard. Who would have thought.

Financial repression and monetary debasement are the greatest risks to your portfolio for the foreseeable future. Or the greatest tailwinds depending on your positioning.

Have you tried just making more money for your clients instead?

Most people won’t understand my point with this. Improving portfolio returns moves the needle significantly more than any of this stuff.

Bitcoin should be the last asset you borrow against. Borrow against your stocks or home before putting your bitcoin up as collateral.

I’m publicly sharing our 2026 investor newsletter on our site shortly. Some proprietary information has been removed, but it will include: • Bitcoin bear market price predictions • The paradigm shift shaping markets in 2026 • How we are positioning our clients to benefit. • Asset class review for Bitcoin, equities, and commodities. Should be live within 1 hour.

Removing emotion from trading can lead to better performance with downside protection. But most can't set rules and follow them no matter what happens. At the first sign of "I feel like I know better" it's easy to break the rules.