Chris Kline, COO and co-founder of Bitcoin IRA, helps wealthy investors use retirement wrappers and tax-smart moves for crypto. He discusses placing volatile assets like Bitcoin inside retirement accounts. He explains Roth conversions during drawdowns, borrowing against retirement assets instead of selling, and how macro regimes shape allocation choices.
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insights INSIGHT
Asset Wrapper Often Beats Asset Choice
Where you hold an asset matters as much as the asset itself for long-term tax drag.
Wrappers like Roth, traditional, SEP, and solo 401(k) avoid capital gains drag and change estate/transfer mechanics for Bitcoin holdings.
volunteer_activism ADVICE
Use SEP Or Solo 401k When You Have Self-Employment Income
If you have non-W2 income, set up a SEP IRA or solo 401(k) to massively increase tax-deferred contributions.
SEP allows ~$56k–$60k and solo 401(k) can let owners tuck away ~ $150k annually, lowering taxable income now.
insights INSIGHT
Put Long Horizon Risk Inside Retirement Accounts
Wealthy investors place their riskiest, long-horizon assets inside retirement wrappers to capture decades of tax-deferral or tax-free growth.
Modern portfolios allocate ~25% to alternatives like crypto, private equity, and real estate inside IRAs.
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Chris Kline is the COO & Co-Founder of Bitcoin IRA. In this conversation, we discuss how wealthy investors use retirement accounts to reduce taxes, why volatility can create opportunities like Roth conversions, and the mistakes people make by holding assets in the wrong account. We also cover bitcoin in retirement portfolios, estate planning strategies, and how macro conditions like inflation, deflation, and Fed policy may impact long-term asset allocation.
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0:00 - Intro
1:55 – How to use the tax code to get in better position
2:51 – How 401(k)s replaced pensions (why it mattered)
6:20 – Tax advantages of non-W2 income & retirement accounts
9:08 – Long-term asset allocation & bitcoin in retirement
13:12 – Using Roth conversions during bitcoin drawdowns
21:10 – How taxes create massive long-term performance drag
22:39 – Borrowing against bitcoin instead of selling
28:29 – Inflation, deflation, & why government data lags reality
33:15 – What macro headwinds mean for assets and portfolios
36:38 – Bitcoin IRA tools, incentives, & next steps
The Pomp Podcast