Crypto Is Already in Your Family Plan — But Your Advisor Won't Touch It
Many people now hold crypto for the long term and plan to pass it to their kids, yet almost no financial advisors manage it.
More and more ordinary people own cryptocurrency — but the professionals who help manage their money are ignoring it. That's the big gap this article uncovers.
First, some basics. A financial advisor is a professional you pay to help manage your money and plan for the future. Crypto (short for cryptocurrency) is digital money like bitcoin, ether, and solana that lives on the internet instead of in a normal bank.
The author surveyed a group of over 220 tech-savvy mothers who own crypto and control their household finances. The findings were surprising:
- Nearly all of them treat crypto as a long-term investment — meaning they buy and hold it for years rather than trading it constantly.
- About half include crypto in their estate plans (instructions for who gets your money and assets after you die).
- Only one person in the survey had an advisor actually managing their crypto. The rest said their advisor either didn't know, wouldn't touch it, or they had no advisor at all.
The next generation feels the same. Young people (ages 18–23) said they'd rather turn to AI tools and their parents than a paid advisor, citing cost and trust. What they really want is collaboration — someone doing it *with* them, not lecturing at them.
The expert interview added another point: as crypto matures, investors increasingly want real ownership and proper planning rather than risky short-term betting (speculation). Scary headlines come and go, but the underlying technology keeps running as designed.
The takeaway: Crypto has already entered family finances. Advisors who learn it and offer a full, cooperative service will win clients — those who ignore it risk becoming irrelevant.
This is an AI-generated summary. Read the original article at: https://www.coindesk.com/coindesk-indices/2026/08/12/crypto-for-advisors-the-crypto-advice-gap