# LLMs.txt - Sitemap for AI content discovery # Jake Claver > The Official Website of Jake Claver --- ## Pages - [Invite Jake to Speak](https://www.jakeclaver.com/book-jake-claver/): Interested in Having Jake Speak at Your Event? Jake Claver stands at the intersection of traditional finance and digital transformation... - [Links](https://www.jakeclaver.com/links/): - [Gallery](https://www.jakeclaver.com/gallery/): - [About Me](https://www.jakeclaver.com/):   Family Office Professional Fintech and Web3 Expert Investor Jake Claver Jake Claver is a leader in high-performance family office... - [Contact](https://www.jakeclaver.com/contact/): 307-243-3711 Phone Dallas, TX | Cheyenne, WY Locations Send Jake a message Contact Us Name * First Last * Last... - [Blog](https://www.jakeclaver.com/blog/): WordPress 04 Dec 2019 How to Make a WordPress Plugin Extensible Design 04 Dec 2019 6 Easy Steps to Better... ## Blog - [Let_s talk about cost segregation](https://www.jakeclaver.com/blog/let_s-talk-about-cost-segregation/): - [Major Crypto Tax Changes You Must Know Now!](https://www.jakeclaver.com/blog/major-crypto-tax-changes-you-must-know-now/): - [Long Term Wealth vs Short Term Wealth Choosing the Right Strategy](https://www.jakeclaver.com/blog/long-term-wealth-vs-short-term-wealth-choosing-the-right-strategy/): - [Long Term Hodling XRP - Jake Claver and @MickleXRP Discuss](https://www.jakeclaver.com/blog/long-term-hodling-xrp-jake-claver-and-micklexrp-discuss/): - [Managing Millions in Crypto Here’s How to Secure Your Wealth](https://www.jakeclaver.com/blog/managing-millions-in-crypto-heres-how-to-secure-your-wealth/): - [Major Market Rotation New Investment Opportunities in Low Cap Stocks and Altcoins](https://www.jakeclaver.com/blog/major-market-rotation-new-investment-opportunities-in-low-cap-stocks-and-altcoins/): - [Managing Assets With The Infinite Banking Concept](https://www.jakeclaver.com/blog/managing-assets-with-the-infinite-banking-concept/): - [Major Forces Shaping the Future of Finance Social Medias Crypto Integration @Rector94](https://www.jakeclaver.com/blog/major-forces-shaping-the-future-of-finance-social-medias-crypto-integration-rector94/): - [Level up Your Investments Uncover SPV_s Untapped Potential](https://www.jakeclaver.com/blog/level-up-your-investments-uncover-spv_s-untapped-potential/): - [LLC or Not The Ultimate Guide for Homeowners](https://www.jakeclaver.com/blog/llc-or-not-the-ultimate-guide-for-homeowners/): - [XRPL Maintains Uptime With ZERO Downtime EVER](https://www.jakeclaver.com/blog/xrpl-maintains-uptime-with-zero-downtime-ever/): - [XRPL Auto-Bridging The Smartest Way to Trade Assets Explained](https://www.jakeclaver.com/blog/xrpl-auto-bridging-the-smartest-way-to-trade-assets-explained/): - [XRP vs. XLM How Ripple and Stellar Are Revolutionizing Finance](https://www.jakeclaver.com/blog/xrp-vs-xlm-how-ripple-and-stellar-are-revolutionizing-finance/): - [Zach Rector Ripple Solving Trillion Dollar Problems](https://www.jakeclaver.com/blog/zach-rector-ripple-solving-trillion-dollar-problems/): - [XRPL Amendments - Discover the Power of Leverage on the XRPL with XLS 64D, 65D & 66D](https://www.jakeclaver.com/blog/xrpl-amendments-discover-the-power-of-leverage-on-the-xrpl-with-xls-64d-65d-66d/): - [XRP Volume Grow as the Entire Crypto Space Evolves](https://www.jakeclaver.com/blog/xrp-volume-grow-as-the-entire-crypto-space-evolves/): - [XRPL Automated Market Maker (AMM) Demystified](https://www.jakeclaver.com/blog/xrpl-automated-market-maker-amm-demystified/): - [XRP_s Value Unveiled How it Compares on Public and Private Ledgers](https://www.jakeclaver.com/blog/xrp_s-value-unveiled-how-it-compares-on-public-and-private-ledgers/): - [XRPL Digital Identity The Key to Real World Transformation](https://www.jakeclaver.com/blog/xrpl-digital-identity-the-key-to-real-world-transformation/): - [You Won_t Believe How U.S. Regulations Are About to Reshape the Crypto Market](https://www.jakeclaver.com/blog/you-won_t-believe-how-u-s-regulations-are-about-to-reshape-the-crypto-market/): - [Judge Netburn Rules in Favor of SEC in Ripple Case!](https://www.jakeclaver.com/blog/judge-netburn-rules-in-favor-of-sec-in-ripple-case/): - [Join Our Mastermind Community and Unlock Exclusive Opportunities](https://www.jakeclaver.com/blog/join-our-mastermind-community-and-unlock-exclusive-opportunities/): - [Jerome Powell reveals his position on rate cuts](https://www.jakeclaver.com/blog/jerome-powell-reveals-his-position-on-rate-cuts/): - [Lack of clarity kept you out of crypto investing](https://www.jakeclaver.com/blog/lack-of-clarity-kept-you-out-of-crypto-investing/): - [Janet Yellen Calls on Congress to Pass Crypto Regulation](https://www.jakeclaver.com/blog/janet-yellen-calls-on-congress-to-pass-crypto-regulation/): - [It_s getting close to #IPO season - Jake Claver talks about what Linqto does for private equity](https://www.jakeclaver.com/blog/it_s-getting-close-to-ipo-season-jake-claver-talks-about-what-linqto-does-for-private-equity/): - [IUL vs PPLI Secure Your Wealth Strategically!](https://www.jakeclaver.com/blog/iul-vs-ppli-secure-your-wealth-strategically/): - [Is your business accredited](https://www.jakeclaver.com/blog/is-your-business-accredited/): - [Keeping Quiet About Money The True Test of Friendship @DigitalOutlookChannel](https://www.jakeclaver.com/blog/keeping-quiet-about-money-the-true-test-of-friendship-digitaloutlookchannel/): - [ISO 20022 Explained Revolutionizing Global Payments and Digital Assets](https://www.jakeclaver.com/blog/iso-20022-explained-revolutionizing-global-payments-and-digital-assets/): - [Infinite money Let_s talk about the state of the fiat system...](https://www.jakeclaver.com/blog/infinite-money-let_s-talk-about-the-state-of-the-fiat-system/): - [Inside Look JPM Onyx Insights with Tyrone Lobban](https://www.jakeclaver.com/blog/inside-look-jpm-onyx-insights-with-tyrone-lobban/): - [Improve Your Cashflow by Incentivizing Customers](https://www.jakeclaver.com/blog/improve-your-cashflow-by-incentivizing-customers/): - [Is there a coming supply shock for both digital and traditional assets w @Rector94](https://www.jakeclaver.com/blog/is-there-a-coming-supply-shock-for-both-digital-and-traditional-assets-w-rector94/): - [I Survived Crypto_s WILDEST Bull and Bear Markets](https://www.jakeclaver.com/blog/i-survived-crypto_s-wildest-bull-and-bear-markets/): - [IRS Tracks Your Crypto Transfers What You Need to Know!](https://www.jakeclaver.com/blog/irs-tracks-your-crypto-transfers-what-you-need-to-know/): - [Including all of your income sources to improve your creditworthiness](https://www.jakeclaver.com/blog/including-all-of-your-income-sources-to-improve-your-creditworthiness/): - [Involving the Next Generation in Wealth Management Setting Them Up for Success](https://www.jakeclaver.com/blog/involving-the-next-generation-in-wealth-management-setting-them-up-for-success/): - [Insider Secrets Safeguarding Assets from Mareva Injunctions](https://www.jakeclaver.com/blog/insider-secrets-safeguarding-assets-from-mareva-injunctions/): - [I_ll be speaking at onXDC Austin 2023 - https www.onxdc.io events](https://www.jakeclaver.com/blog/i_ll-be-speaking-at-onxdc-austin-2023-https-www-onxdc-io-events/): - [How Family Offices Transform Crypto Wealth into Lasting Fortunes](https://www.jakeclaver.com/blog/how-family-offices-transform-crypto-wealth-into-lasting-fortunes/): For years we’ve all seen investors riding the thrilling ups and downs in crypto. Price swings can be thrilling when... - [Investing in Digital Assets with a Self-Directed IRA](https://www.jakeclaver.com/blog/investing-in-digital-assets-with-a-self-directed-ira/): When it comes to retirement planning, Self-Directed Individual Retirement Accounts (SDIRAs) are a strong option. They let investors diversify beyond... - [How to Get Your Family Take Your Digital Assets Seriously](https://www.jakeclaver.com/blog/how-to-get-your-family-take-your-digital-assets-seriously/): I’ll never forget the first time I brought up my crypto holdings at a family dinner. You could practically hear... - [How Tokenization of Real-World Assets Will Transform Our Economy](https://www.jakeclaver.com/blog/how-tokenization-of-real-world-assets-will-transform-our-economy/): Tokenization Is Already Changing Finance—Just Not Where Most People Are Looking Tokenization has become one of those words that gets... - [The Hidden Burden of Sudden Wealth](https://www.jakeclaver.com/blog/the-hidden-burden-of-sudden-wealth/): When I was growing up, I’d daydream about winning the lottery. I’d imagine quitting my job, buying a beachfront property,... - [Family Governance: Building for Generational Wealth](https://www.jakeclaver.com/blog/family-governance-building-for-generational-wealth/): After years of working with families, I’ve learned that strong governance structures are key. They help balance wealth, business, and... - [Emotional vs. Logical Investing: How to Stay Focused on Long-Term Success](https://www.jakeclaver.com/blog/emotional-vs-logical-investing-how-to-stay-focused-on-long-term-success/): When it comes to investing, emotions often have a bigger impact than we care to admit. I’ve spent years studying... - [Building Lasting Wealth](https://www.jakeclaver.com/blog/building-lasting-wealth/): I’ve spent years studying wealth creation patterns, and I’ve seen the rules change dramatically. The traditional path of working 40... - [Passport Portfolios: The Wealth Strategy for UHNW Families](https://www.jakeclaver.com/blog/passport-portfolios-the-wealth-strategy-for-uhnw-families/): I’ve spent years helping ultra-high-net-worth families keep their wealth. I’ve noticed a big difference in how the wealthy see their... - [Interview on The Modern Financial Advisor Podcast](https://www.jakeclaver.com/blog/interview-on-the-modern-financial-advisor-podcast/): Big thanks to Mike Langford for having me on the Modern Financial Advisor podcast. We had a great conversation about... - [Essential Traits of Successful Investors](https://www.jakeclaver.com/blog/essential-traits-of-successful-investors/): I’ve found something interesting: whether you invest in stocks, real estate, bonds, or digital assets, the most successful investors tend... - [Family Trusts: Securing Your Legacy For Generations](https://www.jakeclaver.com/blog/family-trusts-securing-your-legacy-for-generations/): After years of studying estate planning, I’ve seen how family trusts can greatly improve the way families manage their wealth... - [Choosing Wealth Advisors](https://www.jakeclaver.com/blog/choosing-wealth-advisors/): Introduction Financial advisors play a crucial role in managing wealth, but not all advisors operate with complete transparency. Clients often... - [The North Korean Bybit Hack: A $1.4 Billion Lesson in Crypto Security](https://www.jakeclaver.com/blog/the-north-korean-bybit-hack-a-1-4-billion-lesson-in-crypto-security/): On February 21, 2025, the crypto world was rocked by news of a staggering $1. 4 billion hack targeting Bybit,... - [Thinking About the Way You Donate](https://www.jakeclaver.com/blog/thinking-about-the-way-you-donate/): Strategic Charitable Giving: A Comprehensive Guide While the holiday season often sparks a surge in charitable giving, thoughtful philanthropy transcends... - [Digital Assets in Family Offices](https://www.jakeclaver.com/blog/digital-assets-in-family-offices/): DeFi Meets Family Offices The traditional image of a family office – mahogany desks and conservative portfolios – is transforming.... - [Growing Family Wealth: From Business to Enterprise](https://www.jakeclaver.com/blog/growing-family-wealth-from-business-to-enterprise/): Overview Family fortunes typically begin with entrepreneurial ventures that develop over time. While some businesses take decades to mature, others... - [What's Wrong with DIY Investing?](https://www.jakeclaver.com/blog/whats-wrong-with-diy-investing/): The Hidden Dangers of Self-Managed Wealth When it comes to wealth management, success often breeds a dangerous confidence. High-net-worth individuals... - [Financial Management for the Newly Rich](https://www.jakeclaver.com/blog/financial-management-for-the-newly-rich/): The Sudden Wealth Paradox The burden of unexpected wealth affects a diverse group: athletes, celebrities, divorcees, widows and heirs, recently... - [7 Figure Loan Completed with XRP As Collateral](https://www.jakeclaver.com/blog/7-figure-loan-completed-with-xrp-as-collateral/): In case you missed it – I wanted to tell you about this – I am very excited that the... - [Navigating Governance with Your Family](https://www.jakeclaver.com/blog/navigating-governance-with-our-family/): The Art of Family Governance Picture a family worth millions, sitting around a dinner table in complete silence. The tension... - [The Many Uses SPVs for Private Investment](https://www.jakeclaver.com/blog/the-many-uses-spvs-for-private-investment/): Special Purpose Vehicles (SPVs) have emerged as powerful tools that open doors to various investment opportunities. From real estate to... - [Crypto Tax Safe Harbor Filing - Must File Before 2025!](https://www.jakeclaver.com/blog/crypto-tax-safe-harbor-filing-must-file-before-2025/): If you own digital assets, 2025 is shaping up to be a pivotal year for crypto taxes. Major shifts in... - [Managing Wealth After Digital Asset Appreciation](https://www.jakeclaver.com/blog/managing-wealth-after-digital-asset-appreciation/): As we are entering into a new year with digital assets showing strong signs of growth as an asset class,... - [10 Steps to Secure Your New Wealth](https://www.jakeclaver.com/blog/10-steps-to-secure-your-new-wealth/): What should you do after a major liquidity event? Lots of our clients invested in digital assets and experienced significant... - [The Tragic Tale of Matthew Mellon: A $1 Billion Lesson for Digital Asset Holders](https://www.jakeclaver.com/blog/the-tragic-tale-of-matthew-mellon-a-1-billion-lesson-for-digital-asset-holders/): Matthew Mellon, heir to the Mellon and Drexel banking dynasties, made headlines with his bold $2M investment in XRP when... - [My Book "Wealth in Numbers - Wealth in Numbers: The Ultimate Dealmaker’s Guide to SPVs, Syndication, and Private Investment"](https://www.jakeclaver.com/blog/my-book-wealth-in-numbers-wealth-in-numbers-the-ultimate-dealmakers-guide-to-spvs-syndication-and-private-investment/): Discover why we wrote 'Wealth in Numbers' - a guide to Special Purpose Vehicles (SPVs) that democratizes elite investment strategies. - [Understanding Crypto IRAs for Digital Asset Investment in Retirement Accounts](https://www.jakeclaver.com/blog/understanding-crypto-iras-for-digital-asset-investment-in-retirement-accounts/): For investors wanting to diversify their holdings, the emergence of cryptocurrencies like Ethereum, XRP, and Bitcoin has created new opportunities.... ## Bio Links - [Links](https://www.jakeclaver.com/links/): --- # # Detailed Content ## Pages ### Invite Jake to Speak - Published: 2025-05-16 - Modified: 2025-05-16 - URL: https://www.jakeclaver.com/book-jake-claver/ Interested in Having Jake Speak at Your Event? Jake Claver stands at the intersection of traditional finance and digital transformation offering a rare blend of strategic insight and forward-thinking leadership. Recognized as a respected voice in the industry and a highly regarded international speaker, Jake consistently delivers high-impact guidance on digital asset management, blockchain adoption, and future-focused wealth strategies tailored for family offices and progressive enterprises. As the founder of Digital Ascension Group, he serves as a trusted advisor to both high-net-worth individuals and institutional investors. Jake is known for translating complex technologies into clear, actionable strategies that lead to tangible results. With over a decade of consulting experience, he has helped hundreds of organizations embrace emerging technologies while protecting and growing their wealth in a financial landscape that’s becoming increasingly digital. SIGNATURE PRESENTATIONSDIGITAL ASSET MASTERY FOR FAMILY OFFICESDiscover how leading family offices are strategically allocating capital to digital assets, implementing governance frameworks, and creating multigenerational wealth preservation strategies in the blockchain era. THE WEALTH REVOLUTION: BEYOND CRYPTOCURRENCYExplore the evolving landscape of tokenization, DeFi innovations, and strategic blockchain implementations that are reshaping wealth management, investment strategies, and global financial systems. WEB3 BUSINESS TRANSFORMATION BLUEPRINTLearn Jake's proprietary methodology for identifying high-value blockchain applications within your organization, from supply chain transparency to customer engagement and operational efficiency. BOOKING INFORMATIONJake customizes each presentation to deliver maximum impact for your specific audience, whether you're hosting:Industry conferences and financial summitsPrivate wealth management retreatsCorporate innovation workshopsExecutive leadership programsPlease complete the form below to discuss how Jake... --- ### Links - Published: 2025-01-13 - Modified: 2025-01-13 - URL: https://www.jakeclaver.com/links/ --- ### Gallery - Published: 2024-07-21 - Modified: 2024-07-21 - URL: https://www.jakeclaver.com/gallery/ --- ### About Me - Published: 2020-01-03 - Modified: 2025-05-16 - URL: https://www.jakeclaver.com/  Family Office ProfessionalFintech and Web3 ExpertInvestorJake Claver Jake Claver is a leader in high-performance family office business, digital assets, and wealth management. As Director of Digital Ascension Group, a multi-family office, he serves HNW and UHNW clients. Jake also founded Digital Wealth Partners and leads Syndicately, an investment management platform. A Certified Qualified Family Office Professional and R3 Corda Certified Business Professional, Jake pioneered blockchain and Web3 implementation in family offices. He creates educational programs and reimagines family offices for sustainable, multi-generational legacies. Jake's expertise in building high-performing teams and mentoring leaders has led to success across industries.   Company LinksDigital Ascension Group Syndicately Digital Wealth Partners Beyond Broke MastermindJake Claver on Social Media --- ### Contact - Published: 2019-12-06 - Modified: 2025-01-02 - URL: https://www.jakeclaver.com/contact/ 307-243-3711 PhoneDallas, TX | Cheyenne, WY LocationsSend Jake a message Contact UsName*FirstLast*LastEmail*Message* Entry Key --- ### Blog - Published: 2019-12-03 - Modified: 2024-07-21 - URL: https://www.jakeclaver.com/blog/ WordPress 04 Dec 2019How to Make a WordPress Plugin ExtensibleDesign 04 Dec 20196 Easy Steps to Better Icon DesignUI 04 Dec 2019Creative and Innovative Navigation DesignsDesign 04 Dec 2019Why I Switched to Sketch For UI DesignE-Commerce 04 Dec 2019An Overview of E-Commerce PlatformsE-Commerce 04 Dec 2019Designing the Perfect Feature Comparison TableSee All Posts --- ## Blog ### Let_s talk about cost segregation - Published: 2025-05-16 - Modified: 2025-05-16 - URL: https://www.jakeclaver.com/blog/let_s-talk-about-cost-segregation/ - Categories: General - Tags: Dailymotion, IFTTT --- ### Major Crypto Tax Changes You Must Know Now! - Published: 2025-05-16 - Modified: 2025-05-16 - URL: https://www.jakeclaver.com/blog/major-crypto-tax-changes-you-must-know-now/ - Categories: General - Tags: Dailymotion, IFTTT --- ### Long Term Wealth vs Short Term Wealth Choosing the Right Strategy - Published: 2025-05-16 - Modified: 2025-05-16 - URL: https://www.jakeclaver.com/blog/long-term-wealth-vs-short-term-wealth-choosing-the-right-strategy/ - Categories: General - Tags: Dailymotion, IFTTT --- ### Long Term Hodling XRP - Jake Claver and @MickleXRP Discuss - Published: 2025-05-16 - Modified: 2025-05-16 - URL: https://www.jakeclaver.com/blog/long-term-hodling-xrp-jake-claver-and-micklexrp-discuss/ - Categories: General - Tags: Dailymotion, IFTTT --- ### Managing Millions in Crypto Here’s How to Secure Your Wealth - Published: 2025-05-16 - Modified: 2025-05-16 - URL: https://www.jakeclaver.com/blog/managing-millions-in-crypto-heres-how-to-secure-your-wealth/ - Categories: General - Tags: Dailymotion, IFTTT --- ### Major Market Rotation New Investment Opportunities in Low Cap Stocks and Altcoins - Published: 2025-05-16 - Modified: 2025-05-16 - URL: https://www.jakeclaver.com/blog/major-market-rotation-new-investment-opportunities-in-low-cap-stocks-and-altcoins/ - Categories: General - Tags: Dailymotion, IFTTT --- ### Managing Assets With The Infinite Banking Concept - Published: 2025-05-16 - Modified: 2025-05-16 - URL: https://www.jakeclaver.com/blog/managing-assets-with-the-infinite-banking-concept/ - Categories: General - Tags: Dailymotion, IFTTT --- ### Major Forces Shaping the Future of Finance Social Medias Crypto Integration @Rector94 - Published: 2025-05-16 - Modified: 2025-05-16 - URL: https://www.jakeclaver.com/blog/major-forces-shaping-the-future-of-finance-social-medias-crypto-integration-rector94/ - Categories: General - Tags: Dailymotion, IFTTT --- ### Level up Your Investments Uncover SPV_s Untapped Potential - Published: 2025-05-16 - Modified: 2025-05-16 - URL: https://www.jakeclaver.com/blog/level-up-your-investments-uncover-spv_s-untapped-potential/ - Categories: General - Tags: Dailymotion, IFTTT --- ### LLC or Not The Ultimate Guide for Homeowners - Published: 2025-05-16 - Modified: 2025-05-16 - URL: https://www.jakeclaver.com/blog/llc-or-not-the-ultimate-guide-for-homeowners/ - Categories: General - Tags: Dailymotion, IFTTT --- ### XRPL Maintains Uptime With ZERO Downtime EVER - Published: 2025-05-15 - Modified: 2025-05-15 - URL: https://www.jakeclaver.com/blog/xrpl-maintains-uptime-with-zero-downtime-ever/ - Categories: General - Tags: Dailymotion, IFTTT --- ### XRPL Auto-Bridging The Smartest Way to Trade Assets Explained - Published: 2025-05-15 - Modified: 2025-05-15 - URL: https://www.jakeclaver.com/blog/xrpl-auto-bridging-the-smartest-way-to-trade-assets-explained/ - Categories: General - Tags: Dailymotion, IFTTT --- ### XRP vs. XLM How Ripple and Stellar Are Revolutionizing Finance - Published: 2025-05-15 - Modified: 2025-05-15 - URL: https://www.jakeclaver.com/blog/xrp-vs-xlm-how-ripple-and-stellar-are-revolutionizing-finance/ - Categories: General - Tags: Dailymotion, IFTTT --- ### Zach Rector Ripple Solving Trillion Dollar Problems - Published: 2025-05-15 - Modified: 2025-05-15 - URL: https://www.jakeclaver.com/blog/zach-rector-ripple-solving-trillion-dollar-problems/ - Categories: General - Tags: Dailymotion, IFTTT --- ### XRPL Amendments - Discover the Power of Leverage on the XRPL with XLS 64D, 65D & 66D - Published: 2025-05-15 - Modified: 2025-05-15 - URL: https://www.jakeclaver.com/blog/xrpl-amendments-discover-the-power-of-leverage-on-the-xrpl-with-xls-64d-65d-66d/ - Categories: General - Tags: Dailymotion, IFTTT --- ### XRP Volume Grow as the Entire Crypto Space Evolves - Published: 2025-05-15 - Modified: 2025-05-15 - URL: https://www.jakeclaver.com/blog/xrp-volume-grow-as-the-entire-crypto-space-evolves/ - Categories: General - Tags: Dailymotion, IFTTT --- ### XRPL Automated Market Maker (AMM) Demystified - Published: 2025-05-15 - Modified: 2025-05-15 - URL: https://www.jakeclaver.com/blog/xrpl-automated-market-maker-amm-demystified/ - Categories: General - Tags: Dailymotion, IFTTT --- ### XRP_s Value Unveiled How it Compares on Public and Private Ledgers - Published: 2025-05-15 - Modified: 2025-05-15 - URL: https://www.jakeclaver.com/blog/xrp_s-value-unveiled-how-it-compares-on-public-and-private-ledgers/ - Categories: General - Tags: Dailymotion, IFTTT --- ### XRPL Digital Identity The Key to Real World Transformation - Published: 2025-05-15 - Modified: 2025-05-15 - URL: https://www.jakeclaver.com/blog/xrpl-digital-identity-the-key-to-real-world-transformation/ - Categories: General - Tags: Dailymotion, IFTTT --- ### You Won_t Believe How U.S. Regulations Are About to Reshape the Crypto Market - Published: 2025-05-15 - Modified: 2025-05-15 - URL: https://www.jakeclaver.com/blog/you-won_t-believe-how-u-s-regulations-are-about-to-reshape-the-crypto-market/ - Categories: General - Tags: Dailymotion, IFTTT --- ### Judge Netburn Rules in Favor of SEC in Ripple Case! - Published: 2025-05-14 - Modified: 2025-05-14 - URL: https://www.jakeclaver.com/blog/judge-netburn-rules-in-favor-of-sec-in-ripple-case/ - Categories: General - Tags: Dailymotion, IFTTT --- ### Join Our Mastermind Community and Unlock Exclusive Opportunities - Published: 2025-05-14 - Modified: 2025-05-14 - URL: https://www.jakeclaver.com/blog/join-our-mastermind-community-and-unlock-exclusive-opportunities/ - Categories: General - Tags: Dailymotion, IFTTT --- ### Jerome Powell reveals his position on rate cuts - Published: 2025-05-14 - Modified: 2025-05-14 - URL: https://www.jakeclaver.com/blog/jerome-powell-reveals-his-position-on-rate-cuts/ - Categories: General - Tags: Dailymotion, IFTTT --- ### Lack of clarity kept you out of crypto investing - Published: 2025-05-14 - Modified: 2025-05-14 - URL: https://www.jakeclaver.com/blog/lack-of-clarity-kept-you-out-of-crypto-investing/ - Categories: General - Tags: Dailymotion, IFTTT --- ### Janet Yellen Calls on Congress to Pass Crypto Regulation - Published: 2025-05-14 - Modified: 2025-05-14 - URL: https://www.jakeclaver.com/blog/janet-yellen-calls-on-congress-to-pass-crypto-regulation/ - Categories: General - Tags: Dailymotion, IFTTT --- ### It_s getting close to #IPO season - Jake Claver talks about what Linqto does for private equity - Published: 2025-05-14 - Modified: 2025-05-14 - URL: https://www.jakeclaver.com/blog/it_s-getting-close-to-ipo-season-jake-claver-talks-about-what-linqto-does-for-private-equity/ - Categories: General - Tags: Dailymotion, IFTTT --- ### IUL vs PPLI Secure Your Wealth Strategically! - Published: 2025-05-14 - Modified: 2025-05-14 - URL: https://www.jakeclaver.com/blog/iul-vs-ppli-secure-your-wealth-strategically/ - Categories: General - Tags: Dailymotion, IFTTT --- ### Is your business accredited - Published: 2025-05-14 - Modified: 2025-05-14 - URL: https://www.jakeclaver.com/blog/is-your-business-accredited/ - Categories: General - Tags: Dailymotion, IFTTT --- ### Keeping Quiet About Money The True Test of Friendship @DigitalOutlookChannel - Published: 2025-05-14 - Modified: 2025-05-14 - URL: https://www.jakeclaver.com/blog/keeping-quiet-about-money-the-true-test-of-friendship-digitaloutlookchannel/ - Categories: General - Tags: Dailymotion, IFTTT --- ### ISO 20022 Explained Revolutionizing Global Payments and Digital Assets - Published: 2025-05-14 - Modified: 2025-05-14 - URL: https://www.jakeclaver.com/blog/iso-20022-explained-revolutionizing-global-payments-and-digital-assets/ - Categories: General - Tags: Dailymotion, IFTTT --- ### Infinite money Let_s talk about the state of the fiat system... - Published: 2025-05-12 - Modified: 2025-05-12 - URL: https://www.jakeclaver.com/blog/infinite-money-let_s-talk-about-the-state-of-the-fiat-system/ - Categories: General - Tags: Dailymotion, IFTTT --- ### Inside Look JPM Onyx Insights with Tyrone Lobban - Published: 2025-05-12 - Modified: 2025-05-12 - URL: https://www.jakeclaver.com/blog/inside-look-jpm-onyx-insights-with-tyrone-lobban/ - Categories: General - Tags: Dailymotion, IFTTT --- ### Improve Your Cashflow by Incentivizing Customers - Published: 2025-05-12 - Modified: 2025-05-12 - URL: https://www.jakeclaver.com/blog/improve-your-cashflow-by-incentivizing-customers/ - Categories: General - Tags: Dailymotion, IFTTT --- ### Is there a coming supply shock for both digital and traditional assets w @Rector94 - Published: 2025-05-12 - Modified: 2025-05-12 - URL: https://www.jakeclaver.com/blog/is-there-a-coming-supply-shock-for-both-digital-and-traditional-assets-w-rector94/ - Categories: General - Tags: Dailymotion, IFTTT --- ### I Survived Crypto_s WILDEST Bull and Bear Markets - Published: 2025-05-12 - Modified: 2025-05-12 - URL: https://www.jakeclaver.com/blog/i-survived-crypto_s-wildest-bull-and-bear-markets/ - Categories: General - Tags: Dailymotion, IFTTT --- ### IRS Tracks Your Crypto Transfers What You Need to Know! - Published: 2025-05-12 - Modified: 2025-05-12 - URL: https://www.jakeclaver.com/blog/irs-tracks-your-crypto-transfers-what-you-need-to-know/ - Categories: General - Tags: Dailymotion, IFTTT --- ### Including all of your income sources to improve your creditworthiness - Published: 2025-05-12 - Modified: 2025-05-12 - URL: https://www.jakeclaver.com/blog/including-all-of-your-income-sources-to-improve-your-creditworthiness/ - Categories: General - Tags: Dailymotion, IFTTT --- ### Involving the Next Generation in Wealth Management Setting Them Up for Success - Published: 2025-05-12 - Modified: 2025-05-12 - URL: https://www.jakeclaver.com/blog/involving-the-next-generation-in-wealth-management-setting-them-up-for-success/ - Categories: General - Tags: Dailymotion, IFTTT --- ### Insider Secrets Safeguarding Assets from Mareva Injunctions - Published: 2025-05-12 - Modified: 2025-05-12 - URL: https://www.jakeclaver.com/blog/insider-secrets-safeguarding-assets-from-mareva-injunctions/ - Categories: General - Tags: Dailymotion, IFTTT --- ### I_ll be speaking at onXDC Austin 2023 - https www.onxdc.io events - Published: 2025-05-12 - Modified: 2025-05-12 - URL: https://www.jakeclaver.com/blog/i_ll-be-speaking-at-onxdc-austin-2023-https-www-onxdc-io-events/ - Categories: General - Tags: Dailymotion, IFTTT --- ### How Family Offices Transform Crypto Wealth into Lasting Fortunes - Published: 2025-05-07 - Modified: 2025-05-09 - URL: https://www.jakeclaver.com/blog/how-family-offices-transform-crypto-wealth-into-lasting-fortunes/ - Categories: General For years we've all seen investors riding the thrilling ups and downs in crypto. Price swings can be thrilling when they rise, but they can also be devastating when markets fall. After years of working with clients, I've found that some of the most successful folks I know continue to refine their portfolios for long-term financial success. Here's why broadening your investment options is important. Specialized wealth management services can really help. Why Diversification Matters More Than EverDiversification isn't just financial jargon—it's a proven strategy for wealth preservation. Think of your investment portfolio as a garden. Planting only one crop might yield an abundant harvest if conditions are perfect, but a single blight could wipe out everything. A varied garden, however, ensures that something will always thrive, regardless of conditions. The unpredictability of crypto makes a strong case for investing in different asset classes. When crypto markets drop, your stocks might rise. When inflation hurts stock values, your real estate holdings might increase in value. This balancing effect helps even out your overall returns over time. The Science Behind Portfolio BalancingLet's get a bit technical for a moment. Modern portfolio theory says the best investment strategy isn't about getting the highest returns from each individual asset, but about finding the right mix of assets that work well together. This is measured by correlation, which is how the investments move in relation to each other. Cryptocurrencies have historically had a low correlation with traditional markets. This can be a benefit when... --- ### Investing in Digital Assets with a Self-Directed IRA - Published: 2025-04-30 - Modified: 2025-05-09 - URL: https://www.jakeclaver.com/blog/investing-in-digital-assets-with-a-self-directed-ira/ - Categories: General When it comes to retirement planning, Self-Directed Individual Retirement Accounts (SDIRAs) are a strong option. They let investors diversify beyond just stocks and bonds. As someone who's worked in the space for years, I've seen firsthand how digital assets are transforming retirement accounts. Including XRP, HBAR, and other cryptos in your retirement strategy offers new possibilities for growth and diversification that were unthinkable just a decade ago. Remember when retirement accounts were limited to mutual funds, bonds, and maybe some blue-chip stocks? Those days are long gone. Today's investors are leveraging SDIRAs to tap into the explosive growth potential of digital assets while enjoying significant tax advantages. This approach is appealing. It blends the growth potential of cryptocurrency with the tax perks of retirement accounts. Consider this: crypto can offer returns that traditional investments can't match. When those gains occur within a tax-advantaged environment like an SDIRA, the impact on your retirement nest egg can be substantial. Understanding Self-Directed IRAs and Alternative InvestmentsBefore diving into digital assets, let's get clear on what makes SDIRAs special. Unlike conventional IRAs that limit you to stocks, bonds, mutual funds, and similar securities, self-directed IRAs expand your investment universe dramatically. A properly established SDIRA gives you the freedom to invest in real estate, precious metals, private equity, cryptocurrency, and numerous other alternative assets. This flexibility is the key difference—you're in the driver's seat, making investment decisions that align with your unique retirement goals and risk tolerance. The structure works like this: you select a... --- ### How to Get Your Family Take Your Digital Assets Seriously - Published: 2025-04-23 - Modified: 2025-05-09 - URL: https://www.jakeclaver.com/blog/how-to-get-your-family-take-your-digital-assets-seriously/ - Categories: General I’ll never forget the first time I brought up my crypto holdings at a family dinner. You could practically hear the eyeballs rolling around the table. My uncle snorted, “What, that fake internet cash? ” while my mom, bless her, gave me that worried look and asked if I was basically tossing my savings into a slot machine. Sound familiar? Yeah, I figured. Trying to convince your family that digital coins aren’t just some geeky fever dream, especially when they’re dead-set on seeing it as Monopoly money with extra steps. What's fascinating, though, is how the ultra-wealthy have managed to overcome this exact challenge. By integrating with traditional finance and using strong management, they changed how people see digital assets. Now, they are viewed as real parts of a balanced portfolio instead of just risky novelties. And here's the good news: you can adopt many of these same strategies, regardless of your net worth. The Credibility Gap: Why Families Dismiss Digital AssetsIt’s not hard to see why your family can be skeptical of digital assets. A lot people grew up with investments you could touch. Houses, gold bars, or shares in some big-name company they’d heard of on the news. So when you start talking about digital scarcity, blockchain, and crypto it can feel strange and hard to grasp. "The majority of skepticism I encounter comes from a place of misunderstanding rather than informed rejection," I've observed after years of navigating these conversations. "When something doesn't fit within our established... --- ### How Tokenization of Real-World Assets Will Transform Our Economy - Published: 2025-04-18 - Modified: 2025-05-09 - URL: https://www.jakeclaver.com/blog/how-tokenization-of-real-world-assets-will-transform-our-economy/ - Categories: General Tokenization Is Already Changing Finance—Just Not Where Most People Are LookingTokenization has become one of those words that gets tossed around a lot in fintech circles, often next to terms like “blockchain” and “Web3. ” But beyond the buzz, something meaningful is happening. What we're actually starting to see is a new digital framework for handling real-world value. This isn’t about futuristic coins or NFTs—it's about turning everyday assets into something programmable and tradable, without needing an overhaul of how those assets are structured at their core. The idea is simple but powerful: you take an existing financial asset—like a loan, a share of real estate, or a government bond—and create a digital version of it on a blockchain. Once that happens, that asset becomes easier to move, quicker to settle, and more accessible to a broader range of investors. It's not a new kind of value—it’s a new way of moving what’s already there. Let’s break down where that’s starting to happen and which markets are quietly leading the way. Private Credit Is Leading the WayThe private credit market, sitting at about $1. 5 trillion globally, has been one of the first to seriously explore tokenization. Right now, only about $12 billion of that has been tokenized—less than 1%. Still, that small slice is showing what’s possible. Projects like Maple Finance, Centrifuge, Arch Lending, and Goldfinch are offering on-chain lending backed by digital collateral. Most of these are running on EVM-compatible blockchains like Ethereum and Polygon, with some exploring... --- ### The Hidden Burden of Sudden Wealth - Published: 2025-04-17 - Modified: 2025-05-09 - URL: https://www.jakeclaver.com/blog/the-hidden-burden-of-sudden-wealth/ - Categories: General When I was growing up, I'd daydream about winning the lottery. I'd imagine quitting my job, buying a beachfront property, and living the life of my dreams. What I didn't realize then was that sudden wealth can be as much a burden as a blessing. This phenomenon, known as the Sudden Wealth Paradox, affects countless individuals who unexpectedly come into large sums of money – from lottery winners to crypto investors, professional athletes to unexpected heirs. I've spent years working with clients who gained sudden wealth and seen how being unprepared can cause confusion instead of clarity. Let’s explore this intriguing paradox and how to turn sudden wealth into lasting success. The Reality Behind the Fantasy: Understanding Sudden Wealth SyndromeThe moment the zeros hit your bank account, everything changes – but not always for the better. The term "Sudden Wealth Syndrome" was coined by psychologist Dr. Stephen Goldbart to describe the psychological and emotional challenges that accompany an abrupt increase in wealth. Think about it – you're suddenly thrust into a world you weren't prepared for. Your identity shifts overnight. Relationships change. Decisions become exponentially more complex. What seemed like a dream come true can quickly morph into an overwhelming nightmare. I remember talking with Alex, a tech entrepreneur who sold his startup for millions. "I thought money would solve everything," he told me. "Instead, it created problems I never knew existed. I didn't know who to trust anymore. I felt isolated from my old friends but couldn't connect with... --- ### Family Governance: Building for Generational Wealth - Published: 2025-04-09 - Modified: 2025-05-09 - URL: https://www.jakeclaver.com/blog/family-governance-building-for-generational-wealth/ - Categories: General After years of working with families, I've learned that strong governance structures are key. They help balance wealth, business, and relationships, leading to long-term success. That uncomfortable silence at the family dinner table often hides deeper issues – unresolved tensions that good family governance could have avoided. Let me explain what family governance is, why it's important, and how you can put it into practice in your own family. The Hidden Infrastructure of Successful FamiliesFamily governance isn't just for the ultra-wealthy. Think of it as your family's operating system. It works quietly in the background, ensuring everything runs smoothly, even during tough times. Family governance is a way to manage family communications, decision-making, and conflict resolution. It is especially important when personal and business matters mix. I recall talking with the Andersons (name changed). They run a third-generation manufacturing business. When the patriarch fell ill, chaos erupted. Cousins who rarely talked now had to make important business decisions together, with no plan in place. The result? Months of arguments hurt business performance. Relationships became fractured and took years to fix. Family governance would have given them clear guidelines for handling such situations. It's not about controlling every move, but creating a framework that listens to everyone's input and makes decisions efficiently. Why Family Governance Matters More Than You ThinkYou've likely heard the phrase "shirtsleeves to shirtsleeves in three generations. " This means that family wealth often disappears by the time the third generation takes over. What's surprising is that this... --- ### Emotional vs. Logical Investing: How to Stay Focused on Long-Term Success - Published: 2025-04-02 - Modified: 2025-05-09 - URL: https://www.jakeclaver.com/blog/emotional-vs-logical-investing-how-to-stay-focused-on-long-term-success/ - Categories: General When it comes to investing, emotions often have a bigger impact than we care to admit. I've spent years studying how feelings impact financial choices. I've found some surprising things. Emotional investing can hurt even the best financial plans. When market volatility strikes, our natural instincts kick in. Fear tells us to sell when prices plummet, while greed urges us to buy when everyone else is already celebrating gains. This emotional rollercoaster doesn't just feel uncomfortable—it actually costs us money. Quite a lot of it, in fact. Emotional investing is when feelings influence your financial decisions. It often happens because fear and greed can drive reactions. To avoid these pitfalls, stay focused on your long-term goals. This way, you can build lasting wealth. This isn’t only about earning more money. It’s also about finding peace of mind and building financial security that can handle market ups and downs. The Hidden Cost of Emotional Decision-MakingWhen I look at the data on investor behavior, one thing becomes crystal clear: emotions are expensive. Studies show that investors driven by emotions often buy high and sell low. That definitely doesn't work to your benefit in building wealth. A revealing study by Dalbar in 2018 found that while the S&P 500 lost 4. 38%, the average individual investor lost a staggering 9. 42%. Why such a dramatic difference? Panic selling. When markets fell, many investors reacted emotionally. They fled, locking in their losses instead of staying put during the tough times. Over time, emotional decisions... --- ### Building Lasting Wealth - Published: 2025-03-26 - Modified: 2025-05-09 - URL: https://www.jakeclaver.com/blog/building-lasting-wealth/ - Categories: General I've spent years studying wealth creation patterns, and I've seen the rules change dramatically. The traditional path of working 40 years at the same company and retiring with a pension is a thing of the past. To build lasting wealth in today's fast-changing economy, you need a completely different approach. What fascinates me most is how technology and global connections have made it easier for anyone to create wealth. Today, with just a laptop and internet, you can start a multi-million dollar business from your kitchen table. I've seen it happen with many clients and colleagues, so it's not just an idea - it's a reality. Diversification in modern investing has changed a lot in just five years. New investment options have appeared, so it's important to pay attention to them. Traditional choices, like stocks and real estate, still matter too. I'm really excited about fractional investing. It gives everyone a chance to access investment opportunities that were once exclusive. Now, average investors can build advanced portfolios. These were once only for the ultra-wealthy. Here's a truth I learned over time: building lasting wealth means you need to change how you think about money. It's not just about making more, but about having a mindset that helps you make smart financial decisions. The most successful people I know have a different mindset when it comes to money. They see it not as something to be spent, but as a means to create more value. They know that true wealth isn't... --- ### Passport Portfolios: The Wealth Strategy for UHNW Families - Published: 2025-03-19 - Modified: 2025-05-09 - URL: https://www.jakeclaver.com/blog/passport-portfolios-the-wealth-strategy-for-uhnw-families/ - Categories: General I've spent years helping ultra-high-net-worth families keep their wealth. I've noticed a big difference in how the wealthy see their assets. Many talks focus on diversifying investments. However, some families are quietly creating something interesting: a passport portfolio. Let me be clear: real wealth isn't just about the money in your bank account. It's about having options - the freedom to choose where you live, work, bank, invest, and protect your family, no matter what happens in any one country. Without these options, no amount of money can give you true freedom. The New Definition of Wealth: Optionality Through CitizenshipWhen Warren Buffett holds cash, he's not just being cautious - he values liquidity because it gives him the freedom to seize opportunities at a moment's notice. Having citizenship is similar. It's not just a document that grants you residency rights - it's a strategic advantage that opens up options in every area of your life. Think of additional citizenships as call options with no expiration date. You might not exercise them for years, but they provide the right - not the obligation - to invoke citizenship privileges whenever circumstances demand or opportunities arise. And unlike most assets, these options pass to your children and grandchildren, creating multi-generational wealth in its truest form. "I've watched clients transform their entire outlook on wealth after securing their second or third citizenship," says a private wealth advisor I recently spoke with. "Suddenly, they're thinking decades ahead instead of quarterly. They're making decisions from a... --- ### Interview on The Modern Financial Advisor Podcast - Published: 2025-03-13 - Modified: 2025-05-09 - URL: https://www.jakeclaver.com/blog/interview-on-the-modern-financial-advisor-podcast/ - Categories: General Big thanks to Mike Langford for having me on the Modern Financial Advisor podcast. We had a great conversation about what’s next for digital assets and the things you should be paying attention to. Give it a listen! --- ### Essential Traits of Successful Investors - Published: 2025-03-12 - Modified: 2025-05-09 - URL: https://www.jakeclaver.com/blog/essential-traits-of-successful-investors/ - Categories: General I've found something interesting: whether you invest in stocks, real estate, bonds, or digital assets, the most successful investors tend to have certain traits in common. These aren't special gifts only a few people have - they're qualities that anyone can develop if they're serious about building their wealth. After years in the space, I believe that I've identified some of the most important traits that work well across different investments and market conditions. Whether it's Warren Buffett's savvy stock picks or the early Bitcoin investors who cashed in on the digital boom, these traits are the foundation of consistent investment success. Deep Market Knowledge Sets the FoundationI want to stress this point: to be truly successful, investors need to really get to know their chosen markets. It's more than just casually browsing news or tracking popular stocks on investment apps. Warren Buffett, arguably the most famous investor of our time, spends five to six hours a day reading, mostly focusing on annual reports, industry analyses, and business periodicals. As he once put it, "Risk comes from not knowing what you're doing. " Buffett understands the businesses he invests in. This understanding helps Berkshire Hathaway beat market averages consistently. In real estate, top investors look beyond property values. They study neighborhood demographics, development plans, rental yields, and even the fine details of zoning regulations. With this in-depth understanding of their target market, they can identify opportunities that others often overlook. For digital asset investors, it's essential to grasp the fundamentals... --- ### Family Trusts: Securing Your Legacy For Generations - Published: 2025-03-05 - Modified: 2025-05-07 - URL: https://www.jakeclaver.com/blog/family-trusts-securing-your-legacy-for-generations/ - Categories: General After years of studying estate planning, I've seen how family trusts can greatly improve the way families manage their wealth from one generation to the next. In our work with clients at Digital Ascension Group, we often discuss this topic. Family trusts are usually seen as tools for the wealthy. However, they can also benefit families with different financial situations. Here's a closer look at what makes them so effective and how you can use one to secure your family's financial future. Ancient Origins: The Fascinating History of Family TrustsThe concept of family trusts has deeper roots than most people realize. It's fascinating that their origins likely date back to ancient Rome, around 800 A. D. Roman soldiers had a unique problem: they couldn't own property while fighting in wars. To get around this, they would transfer their assets to trusted friends, who would manage them for their families while they were away. This practice, known in Roman law as "fideicommissum," laid the foundation for our modern trust concept. That being said, the modern family trust took shape in medieval England, especially from the 1400s on. Interestingly, nobles used trusts to protect their property from the king's confiscation, a common practice at the time. They also used these arrangements to manage their estates while they were away on crusades. What makes this historical evolution so significant is that English courts of equity drew a clear line between legal and beneficial ownership. This distinction led to the trustee-beneficiary relationship, which remains... --- ### Choosing Wealth Advisors - Published: 2025-02-26 - Modified: 2025-04-30 - URL: https://www.jakeclaver.com/blog/choosing-wealth-advisors/ - Categories: General IntroductionFinancial advisors play a crucial role in managing wealth, but not all advisors operate with complete transparency. Clients often develop deep trust with their advisors over time, making it difficult to question financial decisions or fees. This article explores the benefits of independent financial advisors, particularly in uncovering hidden fees, aligning investment strategies, and ensuring financial goals are met with objectivity. Discovering Hidden Fees in Portfolio ManagementA recent collaboration with a client, a dedicated stock market investor, highlighted the importance of financial transparency. Their advisor, representing a prestigious investment firm, had been charging substantial management fees on cash reserves and low-basis stocks. This revelation caused frustration for the client, who struggled with the dilemma of confronting a trusted advisor or seeking alternative guidance. Independent financial advisors serve as fiduciary champions, committed to acting in the best interest of their clients. They ask critical questions, such as:What is the total cost of portfolio management? Are there hidden fees associated with specific assets? Is the investment strategy aligned with the client's financial goals? Regardless of whether clients work with major financial firms or independent advisors, seeking an unbiased perspective can optimize financial decision-making. The Role of an Independent AdvisorInvestment portfolios often comprise diverse assets, including stocks, bonds, commodities, and cash. The complexity of managing multiple investments across various platforms can lead to missed details and confusion. Some advisors may not proactively share performance insights, leaving clients unaware of key aspects affecting their wealth. Independent advisors charge a transparent, fixed fee rather than... --- ### The North Korean Bybit Hack: A $1.4 Billion Lesson in Crypto Security - Published: 2025-02-22 - Modified: 2025-04-22 - URL: https://www.jakeclaver.com/blog/the-north-korean-bybit-hack-a-1-4-billion-lesson-in-crypto-security/ - Categories: General On February 21, 2025, the crypto world was rocked by news of a staggering $1. 4 billion hack targeting Bybit, one of the largest cryptocurrency exchanges. Blockchain investigators, including Arkham Intelligence and pseudonymous sleuth ZachXBT, quickly pointed the finger at North Korea’s infamous Lazarus Group—a state-sponsored hacking collective notorious for its sophisticated cybercrimes. This wasn’t a brute-force attack on Bybit’s code; it was a meticulously executed exploitation of human vulnerabilities, underscoring a harsh truth: in the Wild West of crypto, even the biggest players can fall. But could institutional custody with insurance have shielded users from this financial catastrophe? Let’s dive into what happened and explore how a more robust security framework might have made a difference. For a limited time, Digital Wealth Partners (DWP) is lowering their minimum requirement for new clients. Instead of the usual $500,000 threshold, DWP is welcoming clients who hold at least 50,000 XRP. If you've been considering working with DWP for custody, this is a great opportunity to explore their services with a reduced minimum. This opportunity is available for the next 7 days. To learn more or get started, visit https://digitalwealthpartners. net/link/contact-us or reach out to our team. This is not an offer to buy or sell securities. Eligibility is subject to review and applicable regulations. The Heist: How Lazarus Pulled It OffThe Bybit hack wasn’t about cracking impenetrable blockchain encryption or exploiting a smart contract flaw. Instead, Lazarus relied on social engineering—manipulating people rather than systems. Reports suggest the group spent months... --- ### Thinking About the Way You Donate - Published: 2025-02-19 - Modified: 2025-04-17 - URL: https://www.jakeclaver.com/blog/thinking-about-the-way-you-donate/ - Categories: General Strategic Charitable Giving: A Comprehensive GuideWhile the holiday season often sparks a surge in charitable giving, thoughtful philanthropy transcends seasonal boundaries. Effective giving requires careful planning and consideration to ensure your generosity creates lasting impact. Understanding Your Giving OptionsSeveral vehicles exist for charitable contributions, each offering unique advantages:Donor Advised Funds (DAFs)DAFs provide immediate tax benefits while allowing you to recommend how your contributions are distributed over time. These funds offer flexibility and can simplify your giving strategy, though they may limit direct donor involvement. Direct Charitable ContributionsSmaller, local charities often operate with minimal overhead, ensuring your donations directly support their mission. These organizations typically offer greater transparency and opportunities for personal involvement in their causes. Family FoundationsCreating a family foundation unites generations around shared philanthropic goals. This option allows for maximum control over giving decisions and can foster valuable discussions about values and legacy within your family. Maximizing Your ImpactAsset SelectionConsider donating appreciated assets rather than cash. Stocks, bonds, real estate, or business interests can offer significant tax advantages while benefiting your chosen causes. Life insurance policies have also emerged as an innovative giving tool, though they require careful planning for optimal impact. Due DiligenceBefore making substantial donations:Review organizations' annual reports and financial healthUnderstand their specific programs and impact metricsAlign your giving with measurable outcomesConsider how your contribution fits within their overall missionProfessional GuidanceEngaging qualified advisors can significantly enhance your giving strategy. An experienced attorney, CPA, or financial advisor can:Navigate complex tax implicationsStructure effective giving agreementsMonitor institutional complianceEnsure your philanthropic... --- ### Digital Assets in Family Offices - Published: 2025-02-14 - Modified: 2025-04-16 - URL: https://www.jakeclaver.com/blog/digital-assets-in-family-offices/ - Categories: General DeFi Meets Family OfficesThe traditional image of a family office - mahogany desks and conservative portfolios - is transforming. Modern family offices are becoming tech-savvy powerhouses, leveraging blockchain and digital assets to reshape wealth management. A New Investment FrontierRecent data tells a compelling story: family offices now allocate nearly half their portfolios to alternative investments. Within this shift, digital assets have emerged as a crucial component, with one-third of family offices already invested in the space. This isn't just about buying Bitcoin - it's about fundamentally reimagining how wealth can be managed and grown. Beyond CryptocurrencyModern family offices are discovering three key advantages in blockchain technology:Asset Tokenization Traditional investments like real estate can now be divided into digital shares, creating new opportunities for portfolio diversification and risk management. Operational Efficiency Smart contracts and automated systems are streamlining operations, reducing costs, and enhancing transparency. Global Access Digital platforms enable seamless cross-border transactions and investments, opening new markets previously difficult to access. Family offices venturing into digital assets are taking a multi-faceted approach to implementation. At the core of their strategy is portfolio integration, where digital assets serve dual roles as growth vehicles and inflation hedges. This is supported by substantial investments in infrastructure development, as offices build secure systems specifically designed for digital asset management. Risk management forms another critical pillar, with teams creating comprehensive frameworks to address both market volatility and emerging cyber threats. Equally important is the focus on education, where family offices ensure all stakeholders - from family... --- ### Growing Family Wealth: From Business to Enterprise - Published: 2025-02-14 - Modified: 2025-04-08 - URL: https://www.jakeclaver.com/blog/growing-family-wealth-from-business-to-enterprise/ - Categories: General OverviewFamily fortunes typically begin with entrepreneurial ventures that develop over time. While some businesses take decades to mature, others experience rapid growth. The key transition occurs when families shift from managing a single business to overseeing a comprehensive family wealth enterprise. Understanding the Family Wealth EnterpriseA family wealth enterprise differs fundamentally from a traditional family business. It operates as a broader entity that may include the original family business as one of several subsidiaries, with the family's involvement taking multiple forms such as owner, manager, passive beneficiary, or board member. The enterprise typically functions as a holding company with diverse investments across public and private sectors, requiring more complex ownership and governance structures than a traditional family business. The Three-Phase ProcessPhase 1: Core Family BusinessIn the initial phase, the family business serves as the primary asset, with family identity closely tied to its operations. Financial capital is mainly reinvested in business growth, while decision-making remains centralized with the business CEO. The primary focus during this phase remains on business expansion and strengthening core operations. Phase 2: Asset AccumulationAs the business prospers, surplus capital begins to accumulate outside the core business. The investment portfolio expands to include liquid investments and real estate, while decision-making scope broadens to include asset management. Capital sources and uses become more complex during this phase, and the family often leverages business expertise from their CFO and counsel for investment management. Phase 3: Family Wealth EnterpriseIn the mature phase, the original business becomes one subsidiary among many,... --- ### What's Wrong with DIY Investing? - Published: 2025-02-14 - Modified: 2025-04-01 - URL: https://www.jakeclaver.com/blog/whats-wrong-with-diy-investing/ - Categories: General The Hidden Dangers of Self-Managed WealthWhen it comes to wealth management, success often breeds a dangerous confidence. High-net-worth individuals frequently choose to manage their own investments, regardless of their financial expertise. This approach, often referred to as "intuitive investing," usually depends on market news, informal advice, and hunches instead of thorough analysis. This informal way of managing wealth can lead to costly mistakes. There are about three main drivers that can be witnessed across the board. First, there's the confidence factor - when folks have success in business, they often believe their entrepreneurial skills naturally translate to investment expertise. Second, there's the perpetual postponement - knowing professional management is needed but constantly deferring action. Third, there's cost consciousness - viewing professional management fees as an expense rather than an investment in family security. This self-managed approach can lead to a precarious situation. When the primary wealth manager, often the family's wealth creator, can no longer continue, the remaining family members may struggle with complex financial matters. Without a clear plan and transferred knowledge, the family's financial future is left uncertain. Mortality sets a deadline for us all that cannot be changed for planning the transfer of wealth. Even though this is certain, many families do not prepare well enough for when their wealth will be passed on. Heirs who are not prepared may face big problems, such as being easily influenced by bad financial advice, being taken advantage of by others, and making impulsive investment decisions. Even family members who... --- ### Financial Management for the Newly Rich - Published: 2025-02-14 - Modified: 2025-03-25 - URL: https://www.jakeclaver.com/blog/financial-management-for-the-newly-rich/ - Categories: General The Sudden Wealth ParadoxThe burden of unexpected wealth affects a diverse group: athletes, celebrities, divorcees, widows and heirs, recently even new investors can make their fortune overnight in crypto. When substantial money arrives without preparation, it often brings confusion rather than clarity. Financial literacy becomes the essential compass through these exciting yet challenging times. The Education GapA critical financial education gap persists among parents and schools. Many young people lack basic knowledge about banking, credit management, and financial planning. Without financially literate parents or a formal education, how can we expect the next generation to navigate complex financial decisions? The Hidden CostsAs time progresses, wealth can erode through various channels:Agent feesLegal expensesTax obligationsFamily requestsMaintenance costsMany windfalls are one time events. Even athletes and entertainers have limited windows to build their fortune. The question isn't just about managing current wealth, but ensuring long-term financial security. On top of this, sudden wealth often triggers complex social dynamics. Family and friends may appear with financial requests, creating emotional burden and guilt. For public figures, we often see retirement leading to identity crisis and depression. Professional Risk FactorsNot all financial advisors and managers prioritize their clients' best interests. Whether through fraud, mismanagement, or simple incompetence, vulnerable individuals often face significant risks when trusting the wrong professionals. A family office is an excellent choice for the newly rich, but vet your choices carefully. You have a lot to gain from a network of experts, and there are many steps you can take to educate yourself... --- ### 7 Figure Loan Completed with XRP As Collateral - Published: 2025-02-14 - Modified: 2025-03-19 - URL: https://www.jakeclaver.com/blog/7-figure-loan-completed-with-xrp-as-collateral/ - Categories: General In case you missed it - I wanted to tell you about this - I am very excited that the ability to use XRP as a collateral for a loan is now possible. Here’s a link to the original post: https://x. com/DWP_advisors/status/1880367571553362108This marking a milestone in digital asset-backed lending for our firm. Read on to learn more:For XRP holders, this loan offers liquidity without requiring the sale of assets. It provides an alternative to traditional financing. This structure caters to institutional needs for speed and flexibility. The foundation of this innovation lies in smart contract technology and institutional-grade custody solutions. These tools may streamline the process, eliminate weeks of paperwork, and enhance security, making the lending process faster and more reliable. Traditional loans often involve lengthy processing times, but this deal was completed in just 72 hours. The efficiency of blockchain technology is reshaping expectations for how financial transactions are conducted. Smart contracts played a critical role in this loan by automating payment processing, reducing manual intervention, and minimizing the risk of errors. This automation highlights the operational advantages of blockchain technology in financial services. The implications extend beyond this transaction. By bridging digital assets and traditional finance, institutional adoption is gaining momentum. The involvement of major financial players signals growing confidence in crypto-backed solutions. For borrowers, this structure may offer the ability to retain cryptocurrency holdings, access liquidity quickly, and avoid the complexities of traditional loan processes. Flexible terms tailored to digital assets make this option particularly attractive. --- ### Navigating Governance with Your Family - Published: 2025-02-14 - Modified: 2025-03-13 - URL: https://www.jakeclaver.com/blog/navigating-governance-with-our-family/ - Categories: General The Art of Family GovernancePicture a family worth millions, sitting around a dinner table in complete silence. The tension is thick enough to cut with a knife. This is often the reality when wealth meets family dynamics. The way families handle power and decision-making in their businesses presents unique challenges. When personal relationships mix with business operations, even simple decisions become complex. This is why understanding family governance - how families organize and manage their wealth and businesses - is crucial for long-term success. Starting the ConversationFamily governance begins with dialogue. Often, younger generations initiate these discussions as they contemplate their family's future trajectory. Rather than viewing this as a single event, it's more accurate to see it as an ongoing journey. The next generation should spend time researching, planning, and strengthening their position before approaching senior family members. Opening these sensitive discussions requires strategic timing. Natural transition points often present themselves: the birth of a grandchild, significant business opportunities, leadership succession planning, or the creation of a family foundation. These pivotal moments can serve as organic catalysts for deeper conversations about family governance. Structuring the DiscussionOne effective approach is organizing formal family meetings. In my experience facilitating these gatherings, they can take various forms. One notable instance involved creating a family foundation, bringing together parents, children, and extended family members. Another case united multiple founding members planning their families' futures. This highlights an important distinction: family businesses differ fundamentally from founder's offices, which typically operate with minimal family involvement.... --- ### The Many Uses SPVs for Private Investment - Published: 2025-02-14 - Modified: 2025-03-12 - URL: https://www.jakeclaver.com/blog/the-many-uses-spvs-for-private-investment/ - Categories: General Special Purpose Vehicles (SPVs) have emerged as powerful tools that open doors to various investment opportunities. From real estate to technology startups, SPVs are reshaping how we approach investments and business ventures. Let's explore some of the most impactful ways these versatile structures are being used across different sectors. If you want to get a FREE copy of the book byand myself - you can get a copy on Kindle at no charge now through January 2nd - just click the button here: Get a Free Copy on Amazon KindleReal Estate: Democratizing Property InvestmentFor many years, real estate professionals have leveraged SPVs to revolutionize property investment. These vehicles excel at simplifying complex real estate transactions through syndication, making it possible for more investors to participate in lucrative property deals. By allowing fractional ownership, SPVs enable individuals with modest capital to access previously unattainable real estate opportunities. Additionally, they offer significant tax advantages, particularly when property sales taxes exceed capital gains taxes, as organizations can sell the SPV entity rather than the property itself. Mergers & Acquisitions: Strategic Protection and FlexibilityM&A professionals frequently employ SPVs to protect their interests and streamline deal processes. One of their primary advantages is the protection they offer buyers by separating personal assets from acquired businesses. This structure proves particularly valuable in "roll-up" strategies, where multiple businesses are acquired as part of a larger plan. Each acquisition can be housed in its own SPV, effectively containing any potential issues within individual entities without affecting the broader... --- ### Crypto Tax Safe Harbor Filing - Must File Before 2025! - Published: 2025-02-14 - Modified: 2025-03-05 - URL: https://www.jakeclaver.com/blog/crypto-tax-safe-harbor-filing-must-file-before-2025/ - Categories: General If you own digital assets, 2025 is shaping up to be a pivotal year for crypto taxes. Major shifts in IRS rules mean you’ll need to rethink how you track and report your digital asset transactions. Let’s break down the key changes and what you need to do to stay compliant. End of Universal Accounting: Wallet-by-Wallet RulesStarting January 1, 2025, the IRS will require wallet-by-wallet accounting for crypto transactions. This means you must track gains and losses separately for each wallet or exchange, instead of pooling cost bases across all platforms. For example, if you bought XRP on Uphold, you can only use that cost basis when selling XRP on Uphold. Transfers between wallets will no longer allow for cost basis aggregation, adding significant complexity to crypto tax reporting. The Safe Harbor Plan: Your Compliance SolutionTo ease the transition, the IRS has introduced a Safe Harbor Plan. This plan lets you shift from universal accounting to wallet-by-wallet accounting while staying compliant. Here’s what you need to know:Deadline: The plan must be signed and dated before January 1, 2025. Steps to Set Up:Download the required form. Choose your preferred allocation method (e. g. , highest-cost allocation). Sign and date the form, and save it for your records. Failing to establish a Safe Harbor Plan could result in audits, penalties, and the need to amend past returns under wallet-by-wallet rules. Mandatory FIFO AccountingFirst In, First Out (FIFO) will become the default accounting method for crypto sales in 2025. Unless you specify otherwise... --- ### Managing Wealth After Digital Asset Appreciation - Published: 2025-02-14 - Modified: 2025-02-25 - URL: https://www.jakeclaver.com/blog/managing-wealth-after-digital-asset-appreciation/ - Categories: General As we are entering into a new year with digital assets showing strong signs of growth as an asset class, it's important to have a plan for managing wealth after digital asset appreciation. Here are some strategies to help on the other side of price appreciation. First step: Consult an attorney, CPA and wealth advisor. After you have your team in place, you'll be able to inform those closest to you. Sequence matters for safeguarding your wealth. Building yourself a strong personal committee is a great idea. It includes:A board of advisers for objective guidanceA family board to manage familial interestsA professional team for day-to-day operations This structure balances strategy and relationships. Supporting family financially? Experts recommend gifts over loans to avoid relationship strain. Document gifts with IRS Form 709 and use the $13. 6M lifetime gift tax exemption strategically. Clear boundaries = lasting relationships. What about family asking for business investments? Set a formal process:Require detailed business plansRun all proposals through your financial committee This ensures decisions are based on merit, not emotion. Holding over $20M in digital assets? Advanced trust structures are a must. Asset Protection TrustInternal LLC for creditExternal LLC for operationsC-Corp for managementDual living trusts for spousal security Tax efficiency + protection = peace of mind. Wyoming stands out for digital asset protection. Why? Strong privacy lawsAttorney-client privilegeNo state taxesLow maintenance costs It's a go-to state for digital asset holders. Timing is everything. Set up protective structures before your assets appreciate. Bonus tip: Consider a tax... --- ### 10 Steps to Secure Your New Wealth - Published: 2025-02-14 - Modified: 2025-02-21 - URL: https://www.jakeclaver.com/blog/10-steps-to-secure-your-new-wealth/ - Categories: General What should you do after a major liquidity event? Lots of our clients invested in digital assets and experienced significant returns from their investment, but wanted to take measures to protect and grow their new-found gains. Whether you decide to sell or hold your assets, there are important things to consider. The decisions you make can secure or jeopardize your financial future. Today we are going to outline ten steps to protect, grow, and keep your wealth after a big crypto cash-out. Step 1: Create a Family CompassBegin by establishing a "Family Compass," also known as a family charter or constitution. This defines your long-term vision for your wealth. Here’s what to consider:Core Values: Identify the principles guiding your financial decisions. Mission Statement: Clarify the purpose of your wealth—security, lifestyle, philanthropy, or legacy. Goals: Determine milestones like funding education, charitable giving, or investment targets. Roles & Responsibilities: Assign clear roles to family members in managing wealth to avoid conflict. This step ensures that all decisions align with your long-term vision. It prevents wealth from causing confusion or conflict. Step 2: Consult a Tax ProfessionalA significant liquidity event in crypto typically triggers a taxable event. To navigate this:Engage a tax advisor to assess your liabilities and identify strategies to mitigate taxes. Consider options like loss harvesting, charitable contributions, or depreciation to offset gains. Set aside enough cash for taxes to avoid unexpected penalties. Tax laws evolve rapidly, so it’s critical to stay informed and work with experts. Step 3: Build a... --- ### The Tragic Tale of Matthew Mellon: A $1 Billion Lesson for Digital Asset Holders - Published: 2025-01-16 - Modified: 2025-01-16 - URL: https://www.jakeclaver.com/blog/the-tragic-tale-of-matthew-mellon-a-1-billion-lesson-for-digital-asset-holders/ - Categories: General Matthew Mellon, heir to the Mellon and Drexel banking dynasties, made headlines with his bold $2M investment in XRP when it was relatively unknown. That bet paid off, skyrocketing to a staggering $1 billion as XRP surged in value. But this incredible fortune came with a devastating twist. Mellon, a staunch believer in personal control, stored his XRP in cold wallets—offline devices designed to prevent hacking. To ensure maximum security, he kept his private keys to himself. No backups. No shared access. In April 2018, at just 54 years old, Mellon tragically passed away unexpectedly. With him went the private keys to his $1 billion XRP fortune, leaving his family and estate unable to access the funds. This story serves as one of the biggest cautionary tales in the crypto world. It highlights the risks of managing digital wealth without a plan for access and succession. While cold wallets provide strong protection from cyber threats, they’re not enough to safeguard against life’s unpredictability. Illness, accidents, or worse can leave your wealth locked away forever. That’s where institutional custody solutions come in. Multi-signature wallets prevent a single point of failure. Succession planning ensures your assets are passed on according to your wishes. Regulation and oversight add an extra layer of security. At Digital Wealth Partners, we specialize in helping digital asset holders protect their wealth. Our secure, compliant custody solutions give you peace of mind, knowing your fortune is safeguarded and accessible for generations to come. Don’t let Matthew Mellon’s story... --- ### My Book "Wealth in Numbers - Wealth in Numbers: The Ultimate Dealmaker’s Guide to SPVs, Syndication, and Private Investment" > Discover why we wrote 'Wealth in Numbers' - a guide to Special Purpose Vehicles (SPVs) that democratizes elite investment strategies. - Published: 2025-01-12 - Modified: 2025-01-12 - URL: https://www.jakeclaver.com/blog/my-book-wealth-in-numbers-wealth-in-numbers-the-ultimate-dealmakers-guide-to-spvs-syndication-and-private-investment/ - Categories: General - Tags: Book, SPV, Wealth in Numbers When Max Avery and I set out to write "Wealth in Numbers," we had one clear mission. We wanted to demystify Special Purpose Vehicles (SPVs) and make complex investment strategies accessible to all. After years of seeing how SPVs transformed top investment portfolios, we realized that keeping this knowledge to elite circles was unfair. It also missed opportunities for many ambitious investors. This book began with a simple observation. SPVs were revolutionizing investment strategies for the wealthy. Yet, there was little practical guidance for those wanting to enter this space. The existing resources were too technical or only for institutional investors. Or, they just scratched the surface. We saw a gap that needed filling. What makes me particularly proud of "Wealth in Numbers" is its practical approach. Instead of getting lost in theories, we've made a step-by-step guide. It walks readers through creating and managing SPVs. We've distilled years of experience into actionable insights. We cover structuring deals, raising capital, and maintaining compliance. We wanted to set the record straight by writing an investment book to address a common misconception: that SPVs are only for the wealthy. But that's not true. One of the most powerful things about SPVs is that they don't require special licenses or certifications. You don't even need to be an Accredited Investor to set one up. This accessibility is what really excited us while writing the book. The real-world examples we've included aren't just case studies - they're practical guides to achieving success. Every example... --- ### Understanding Crypto IRAs for Digital Asset Investment in Retirement Accounts - Published: 2024-11-23 - Modified: 2025-02-18 - URL: https://www.jakeclaver.com/blog/understanding-crypto-iras-for-digital-asset-investment-in-retirement-accounts/ - Categories: General For investors wanting to diversify their holdings, the emergence of cryptocurrencies like Ethereum, XRP, and Bitcoin has created new opportunities. The Crypto IRA, a retirement plan that permits the addition of digital assets, is one of these choices. What is a Crypto IRA? A self directed individual retirement account (IRA) that allows investments in cryptocurrencies like Ethereum, XRP, and Bitcoin is known as a Crypto IRA. By including digital currencies, Crypto IRAs offer a way to diversify retirement portfolios, in contrast to standard IRAs, which are restricted to stocks, bonds, and mutual funds. For investors who are keen to investigate prospects outside of traditional financial instruments, these accounts are perfect. How Does a Crypto IRA Work? Crypto IRAs operate similarly to traditional or Roth IRAs but with a focus on digital assets. Here’s how they work:Open a Self-Directed IRA: Investors begin by selecting a custodian that specializes in cryptocurrency investments. These custodians handle the technical and regulatory aspects of managing digital assets. Fund the IRA: After opening the account, investors can transfer funds from an existing IRA or make direct contributions. Contributions may be tax-deductible, depending on the account type (traditional or Roth). Purchase Cryptocurrencies: Funds in the account are used to buy cryptocurrencies like Bitcoin, XRP, Ethereum, or others. The custodian facilitates these transactions. Secure Storage: Custodians typically use cold storage—offline wallets—to protect digital assets from online threats. Additional measures, such as insurance and advanced security protocols, may also be available. Distribution and Taxation: Similar to traditional IRAs, Crypto... --- ## Bio Links ### Links - Published: 2024-11-24 - Modified: 2024-11-24 - URL: https://www.jakeclaver.com/links/ ---