Bitcoin Personal Finance

By Morgen Rochard CFA CFP RLP

Turn a bitcoin position into a coherent, risk-managed financial life.

Bitcoin Personal Finance, written by Morgen Rochard, CFA, RLP, provides a fiduciary-grade framework for building wealth around bitcoin. Whether readers are evaluating their first purchase or managing a concentrated position worth six or seven figures, Rochard applies disciplined financial planning principles to the unique realities of holding a global, self-custodied monetary asset.

The book follows the structure of a comprehensive planning engagement--cash-flow design, risk management, investment policy, tax strategy, retirement income, estate transfer, and purpose-driven life planning--and examines how each area evolves when bitcoin becomes the core balance-sheet asset. Readers receive practical tools, sample allocation frameworks, liquidity guardrails, and decision trees calibrated for bitcoin volatility, custody responsibility, and long time horizons.

Grounded in real-world advisory experience, Rochard integrates behavioral finance, tax law, estate design, and investment discipline into a cohesive system. The result is a structured approach that helps individuals transform conviction into durable financial architecture.

Inside, readers will find:

Behavioral insights addressing fear of catastrophic loss, over-concentration, over-trading, and aligning financial upside with daily purpose Guidance on liquidity buffers, position sizing, leverage decisions, and building resilience around volatility Tax optimization strategies for basis tracking, charitable giving, Roth conversion analysis, and multi-jurisdiction considerations relevant to bitcoin holders Estate planning frameworks for private-key inheritance, trustee education, and secure custody succession Practical considerations for financial planners and family offices navigating compliance, custody due diligence, and client education

Bitcoin Personal Finance serves individuals seeking a disciplined on-ramp, long-time holders navigating cash-flow and estate complexity, and the professionals advising both groups. It provides a roadmap for integrating sound money into every layer of financial life and for building a structure designed to endure across decades.

• Format: Hardcover
• Language: English
• ISBN: 1394394055
• ISBN13: 9781394394050
• Release Date: October 2026
• Publisher: Wiley
• Length: 336 Pages