Bitcoin estate planning · By appointment

Bitcoin – your wealth, held as family capital.

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

Security is arranged so there is no single point of failure. Your wealth stays with your family.

Schelling Point, with you for life

  1. Multi-vendor multisig

    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.

  2. Time-delayed recoveryOptional

    If you choose it, a proof-of-life protocol that makes your money accessible to your heirs after a time frame chosen by you.

  3. Alternative backups

    So no matter what happens, you always have a plan B to move or access your money.

  4. Rehearsed recovery

    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

A grandfather and his grandson picking grapes together in a vineyard in late afternoon light.

Over generations

Family wealth has been known to thin out 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 scenarios

Engagements

For families, and the professionals that serve those families.

Most families choose one of these engagements. Each brings the services together and includes its first year of continuity.

 

Foundation

For the individual or single-holder household putting Bitcoin into proper self-custody for the first time.

$1,300one-time

  • Self-custody setup and Bitcoin Financial Framework
  • Hardware and backup configuration, fully verified
  • Verification of your setup as we build it
  • Streamlined inheritance and recovery plan
  • First year of Essential Continuity included
Begin with an assessment

Most chosen by families

Family

For couples and families with meaningful holdings who want full redundancy and a clear inheritance path.

$2,900one-time

  • Everything in Foundation
  • Complete Inheritance and Redundancy Planning
  • Multi-location backup and recovery design
  • Guided handover for a spouse or trusted heir
  • First year of Advanced Continuity included
  • Advisory at the reduced $200/hr partner rate
Begin with an assessment

 

Legacy

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

  • Everything in Family
  • Multi-vendor multisig vault — keys held on hardware from independent manufacturers
  • A map of keyholders designed around your family (2-of-3 or 3-of-5)
  • Guided key ceremony with verified backups — we never see or hold your keys
  • Geographically redundant, tamper-evident backups with full recovery documentation
  • Heir training and a rehearsed recovery drill, reviewed annually in person
  • First year of Premium Continuity and priority advisory at the $200/hr partner rate
Request a private consultation

Individual services

Fees fixed in writing, before anything begins.

Each service can also stand on its own, so you can mix and match.

  • Self-Custody Setup

    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.

    $500One-time
  • Security Review

    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.

    $300One-time
  • Inheritance & Redundancy Planning

    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.

    $1,500One-time
  • Continuity Plan

    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.

    From $350Per year
Every engagement begins with an introductory assessment. There is no charge for it.Ongoing advisory, $250 per hour

After the first year

Continuity Plans

Ongoing support on an annual basis.

Continuity Plan tiers and annual fees
EssentialAnnual check-in and updates$350 / yr
AdvancedA deeper annual review, with support through the year$800–1,200 / yr
PremiumFull service and priority accessFrom $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

Setup is a day. Stewardship is a lifetime.

We can get you set up in a few days, and will help you steward the capital for a lifetime.

  1. First

    A free, confidential consultation

    Where you stand, what you hold it for, and who else is involved. No cost and no obligation.

  2. Then

    Design

    A written structure and a fixed fee, agreed before anything is moved.

  3. A few days

    Setup

    Built with you, verified as we go, and documented as we build it.

  4. Before you need it

    Handover

    We go through the whole framework with your spouse or heir, with a full walkthrough, so they are fully informed.

  5. For years

    Stewardship

    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.
Karen & Antonio
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.
Philip
Since holding Bitcoin I've been worried about losing it and forgetting passwords. Schelling Point helped me feel secure and safe.
Maureen

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
Charlie Stevens, founder of Schelling Point.

The founder

About 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.

Charlie StevensFounder
The Bitcoin Estate Playbook cover

Free to download

Get the Bitcoin Estate Playbook

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

Asked, most often.

Do you ever hold my Bitcoin or my keys?

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.

I am not technical. Is this still for me?

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.

What happens to my Bitcoin if something happens to me?

Your family has a written recovery plan, rehearsed in advance, and a direct contact at Schelling Point to guide them through it.

Do you work with our lawyer and accountant?

Yes. We work alongside your existing advisers and take care of the Bitcoin-specific parts of the plan that sit outside their practice.

Do you support multisig?

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

Do you give investment advice?

No. We design the structure around what you hold. What to buy, sell or keep remains your decision.

Three families

How wealth slips away, and how it need not.

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 scenarios

By appointment

If you can't reach me, call Schelling Point.

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.