Bitcoin estate planning · By appointment
Money that can't be printed away, kept as safe and secure as your family.
We guide you to hold your own money and pass it on to your loved ones, with it in your own hands the whole time.
We never hold your keys.
How it is held
Schelling Point, with you for life
Different keys and codes are held by people and in places trusted and chosen by you. No single person can move the money by themselves.
If you choose it, a proof-of-life protocol that makes your money accessible to your heirs after a time frame chosen by you.
So no matter what happens, you always have a plan B to move or access your money.
Written so a spouse or executor can follow it, and practised with you before the day it is needed.
Each structure is designed around your family and your existing advisers. How we approach multisig
Over generations
Through weak structures, heirs who don't understand what they hold, plans no one wrote down or practised, and advice that didn't fit.
Schelling Point helps you avoid these common, yet easily avoidable, mistakes.
Three family scenariosEngagements
Most families choose one of these engagements. Each brings the services together and includes its first year of continuity.
For the individual or single-holder household putting Bitcoin into proper self-custody for the first time.
$1,300one-time
Most chosen by families
For couples and families with meaningful holdings who want full redundancy and a clear inheritance path.
$2,900one-time
For families securing serious holdings in a multi-vendor multisig vault, built so no single device, company, or lost key can cost you your Bitcoin.
$6,500one-time
Individual services
Each service can also stand on its own, so you can mix and match.
Your Bitcoin under your direct control and in your own hands, with a report explaining everything you need to know: how to use it, where to find it and how to move it.
If you are already set up, we review what you have, from security and key handling to backups and inheritance readiness, and give you a written report with a recommendation on each point.
Making sure your wealth is passed on to the people you want it passed on to. We coordinate with your existing lawyer or other estate professionals.
We don't just advise you and leave. We are with you every step of the way: periodic reviews, changes to your plan as circumstances change, and a known contact for your loved ones in an emergency.
After the first year
Ongoing support on an annual basis.
| Essential | Annual check-in and updates | $350 / yr |
| Advanced | A deeper annual review, with support through the year | $800–1,200 / yr |
| Premium | Full service and priority access | From $2,000 / yr |
Quoted in US dollars and fixed in writing before we begin.
Payable in Bitcoin.
Continuity clients receive 20% off the standard advisory rate.
If any of the terms on this page are unfamiliar, the glossary explains them in plain language.
How an engagement runs
We can get you set up in a few days, and will help you steward the capital for a lifetime.
Where you stand, what you hold it for, and who else is involved. No cost and no obligation.
A written structure and a fixed fee, agreed before anything is moved.
Built with you, verified as we go, and documented as we build it.
We go through the whole framework with your spouse or heir, with a full walkthrough, so they are fully informed.
Reviews as your family, holdings and circumstances change.
Schelling Point, with you for life
You can walk away at any time, in full control of everything you own.
In their words
Schelling Point is giving us the security we need to move forward to be totally confident with our Bitcoin.
I didn't know what I was doing with Bitcoin. They showed me the hardware and protocol to hold it long term. It puts your mind at ease.
Since holding Bitcoin I've been worried about losing it and forgetting passwords. Schelling Point helped me feel secure and safe.
Tools we commonly work with
We recommend the right combination based on your goals, risk profile, family situation, and multi-sig needs where appropriate.
SparrowWallet software
SeedSignerSigning device
KruxSigning device
PassportSigning device
JadeSigning device
NunchukMultisig wallet
LianaTime-delayed recovery
SignalPrivate communication
The founder
An actuary looks decades ahead. That is the only horizon that matters for family capital.
Schelling Point was founded by Charlie Stevens. His background is actuarial: weighing risk over long time frames, and making sure the money is there when a family needs it. He has guided individuals and businesses through Bitcoin custody since 2017, in Europe and Latin America.
Free to download
A handbook for the ages: holding, securing and passing on Bitcoin within a family estate. Enter your details and we'll email it to you straight away.
Questions
No, not at any point. Every structure we design leaves the keys with you and the people you choose, and you can end the relationship at any time in full control.
Most of our clients are not. The setup is built around what you can operate and explain to your family, and every step is written down in plain language.
Your family has a written recovery plan, rehearsed in advance, and a direct contact at Schelling Point to guide them through it.
Yes. We work alongside your existing advisers and take care of the Bitcoin-specific parts of the plan that sit outside their practice.
Yes. For larger holdings we generally recommend multi-vendor multisig, so that no single device, manufacturer or person is a point of failure. More on multisig
No. We design the structure around what you hold. What to buy, sell or keep remains your decision.
Three families
Three short scenarios, one about a family home and two about Bitcoin, showing the everyday mistakes that cost families most, and what we would do differently.
Read the three scenariosBy appointment
We help you add this one line to your important Bitcoin documents. If something happens, your family knows who to call. We confirm who they are, then walk them through the plan you left, step by step. We never hold your keys, so we guide; your family acts.