Crypto Philosophy
Grounded in Freedom. Guided by Prudence. Open to Innovation.
At PlanWiser, we believe true financial stewardship means preparing clients not only for the world as it is, but for the world as it is becoming.
Cryptocurrency and blockchain technology are still young and imperfect, yet they represent one of the most significant developments in monetary and ownership infrastructure since the rise of the internet. We neither romanticize nor dismiss them. Instead, we adopt a principled framework.
The Core Beliefs Behind Our Crypto Philosophy
1. Financial Freedom Is a Legitimate Need, Not a Fringe Idea
Decentralized assets can offer economic dignity in unstable or restrictive environments. They enable self-custody, global mobility of capital, and censorship-resistant giving.
2. Crypto Can Be a Small but Effective Diversifier
Bitcoin behaves differently than traditional assets. Its value drivers (such as scarcity, network adoption, and monetary confidence) are distinct from corporate earnings or interest rates (i.e. stocks or bonds).
Even a very small allocation may improve long-term resilience without materially increasing total portfolio risk.
We don’t rely on crypto to drive a portfolio, but we acknowledge its potential to round it out.
3. Speculation Is Not Stewardship, So Allocation Must Be Purposeful
Crypto’s volatility, regulatory flux, and security risks mean it must be approached with guardrails, not gambling instincts. We favor:
Small, rules-based allocations over emotional buying
Quality custody over risky exchanges
Ongoing monitoring, not neglect
4. Freedom Requires Ethics, Rule of Law, and Transparency
We value privacy and integrity. We support responsible innovation, clear protections for investors and a mindset that reflects generosity rather than greed.
How PlanWiser Implements This Philosophy
References:
Crypto and Blockchain: A Flash in the Pan or Something More?
Economics and Ethics of Bitcoin
David Rosenthal: EE380 Talk: Externalities and Centralization in Crypto
