Crypto in Retirement: Diversifier or Dangerous?

Come join us at the Lakewood Ranch Town Hall (plenty of free parking!) for a lively discussion on whether cryptocurrency is a smart addition to your retirement portfolio or a risky gamble. Thomas Hlohinec is Certified in Blockchain & Digital Assets and has been involved in the blockchain and cryptocurrency space for about a decade. You’ll hear his journey and Thomas will break down the pros and cons of investing in digital assets as you plan for your golden years.

**This event is purely educational. You will walk away with an understanding of cryptocurrency, where it may fit in a portfolio, and how to access it. Products will NOT be pitched.**

Agenda

• Welcome & Introductions
• Alternative Investments Overview
• Intro to Cryptocurrency
• Estate Planning & Tax Considerations
• Crypto Allocation Hypotheticals
• Q & A

🔹 Cryptocurrency in the Context of a Modern Portfolio

We’ll explain how cryptocurrency is typically viewed alongside traditional and alternative assets such as stocks, bonds, real estate, and gold. This includes:

• Why crypto is often discussed as an alternative asset
• How it differs from traditional inflation hedges like gold
• Common reasons investors consider (or avoid) crypto exposure
• Where crypto may — or may not — fit in long-term retirement planning

🔹 Risk, Volatility & Suitability

Crypto introduces a different type of risk profile than most traditional investments. To help make this tangible, we’ll walk through:

• The primary risks associated with crypto ownership
• How volatility impacts portfolio behavior
• Why risk tolerance matters more than headlines
• How time horizon and financial goals influence suitability

As part of the seminar, attendees will be guided through a risk questionnaire designed to help assess whether any crypto exposure should be considered — and if so, what amount may be appropriate.

🔹 Crypto Allocation Considerations

For those evaluating whether crypto belongs in a portfolio at all, we’ll discuss:

• How institutional investors and professional investors typically think about allocation size
• Common mistakes investors make with over- or under-allocation
• The importance of integrating crypto into an overall plan rather than holding it in isolation

🔹 Different Ways to Access Cryptocurrency

There are multiple ways investors gain exposure to crypto, each with different trade-offs. We’ll provide an overview of:

• Direct ownership vs. investment vehicles
• Custody considerations and access methods
• Tax implications across different access structures
• Pros and cons of each approach from a planning perspective

🔹 Tax & Planning Considerations

Crypto creates unique tax and planning complexities. We’ll cover high-level considerations such as:

• General tax treatment of crypto transactions
• How buying, selling, gifting, or inheriting crypto may differ from other assets
• Why record-keeping and coordination matter
• How crypto interacts with retirement and estate planning conversations

🔹 Q&A and Next Steps

We’ll conclude with an open Q&A where attendees can ask questions and explore topics most relevant to their situation.