Financial Calculators and Planning Tools.
Frequently Asked Questions
Are you a fiduciary?
Yes. Winston Solidus Wealth is registered with the State of Oklahoma as an investment adviser and operates as a fiduciary under Oklahoma and federal securities laws. That means we’re legally required to put your interests ahead of our own — no commissions, no third-party compensation, no products we’re paid to push. Our full fiduciary disclosures are available in our Form ADV on our About page.
Is there a minimum to work with you?
Our standard minimum is $25,000 in assets under management, but we frequently waive it — for clients referred by an existing client, family members of clients, or professionals who are earlier in their wealth-building journey. If the relationship is the right fit, we can offer a waiver.
Where are my assets held?
Your assets are held by qualified independent custodians — Altruist or Fidelity — not by Winston Solidus Wealth. We have discretionary authority to manage your account, but the custodian holds the assets, executes trades, sends you statements, and provides standard account protections. We never take physical custody of client money.
Do you set up crypto trusts?
We don’t form trusts — that’s legal work that should be handled by a qualified estate planning attorney. What we do is manage the investments inside trusts that have already been established with a qualified trustee, which can include a prudent allocation to regulated digital asset ETFs alongside traditional holdings. If you’re working with a trustee who’s open to modern allocations — local community banks and trust companies are common — we can build a diversified portfolio that includes a crypto sleeve. We coordinate with your attorney on the legal side and stay focused on what we do best: prudent, fiduciary investment management.
Do I have to use crypto?
Not at all. Many of our clients hold no digital assets whatsoever — a traditional, diversified portfolio of stocks, bonds, and ETFs is a perfectly good fit and what we recommend for most clients with shorter time horizons or lower risk tolerance. Crypto exposure is one tool in the toolkit, used only when it’s a fit for your specific goals, time horizon, and risk profile. If your suitability review points away from it, we point away from it.
What if I have someone to manage my traditional investments but only need help with my crypto portfolio?
Yes — that’s exactly what our standalone Crypto Sleeve service is built for. Some clients have a primary advisor they’re happy with for traditional investments but want a dedicated fiduciary focused on the digital asset portion of their portfolio. We manage just that sleeve — typically Bitcoin and Ethereum ETFs, sometimes broader blockchain infrastructure exposure — under the same fiduciary standard and prudent approach we apply to our comprehensive clients. During the suitability review we’ll confirm your overall portfolio is adequately diversified outside the sleeve, since concentration in digital assets alone isn’t something we’d recommend for anyone.
How do you charge for your services?
We charge a flat 1.00% annual fee on the assets we manage for you, billed quarterly in arrears — so you only pay for the period after we’ve actually managed your money. Fees are deducted directly from your account at the custodian, and we send you a detailed invoice each quarter showing the calculation. We don’t charge performance fees, accept commissions, or receive third-party compensation of any kind.
How do you handle Bitcoin and other digital assets?
Carefully. We don’t recommend direct cryptocurrency holdings or self-custody — the security and operational risks aren’t a fit for the kind of long-term, prudent portfolios we build. Instead, we use regulated, custodian-held ETFs (such as Bitcoin and Ethereum ETFs) for clients who want digital asset exposure, typically as a 5–20% allocation based on goals, risk tolerance, and time horizon. Crypto exposure is entirely optional — many of our clients hold none.
What does getting started look like?
A short conversation first — usually a free 30-minute call — to see whether we’re a fit for what you’re trying to accomplish. If we both want to move forward, we’ll send you our Form ADV disclosures, walk through a suitability review (your goals, time horizon, risk tolerance, current accounts), open accounts at the custodian, and build an allocation tailored to you. No high-pressure pitch, no obligation to proceed.
Do you help with retirement planning?
Yes — retirement planning is a core part of what we do for many clients. We help with IRA and 401(k) rollovers from prior employers, build allocations designed for steady income through retirement, and coordinate withdrawal sequencing to support tax-efficient outcomes. We focus on the investment side; for tax preparation and detailed projections, we coordinate with your CPA. Our goal is the same as yours — a retirement you don’t have to panic-watch.
How are you different from a big bank or wire house advisor?
A few ways. We’re independent, fee-only, and locally owned, which means no sales quotas, no proprietary products, and no commissions tied to specific recommendations. The principal personally oversees every account, so you talk to the person managing your money — not a rotating roster of relationship managers. And we offer something most traditional advisors avoid: prudent, regulated digital asset exposure, in the right amount for the right client, under fiduciary oversight.
What does crypto ETF exposure look like for a business?
Mechanically, it’s straightforward: a Bitcoin or Ethereum ETF position held in a corporate brokerage account at Altruist or Fidelity, alongside the rest of your treasury reserves. There are no wallets, private keys, or crypto exchanges to manage — it trades like any other security, settles through the standard custodian, and shows up on your balance sheet and financial statements as a marketable security. For most small to mid-sized businesses, we typically recommend an allocation at the lower end of our 5–20% range — often closer to 5% of investable treasury reserves — sized to give meaningful exposure without turning the company into a leveraged bet on Bitcoin. The setup starts with a suitability review covering cash flow needs, time horizon for the reserves, risk tolerance, and accounting capacity, followed by ongoing monitoring and periodic rebalancing. This service isn’t a fit for every business — if your operating cash needs are tight or your board isn’t comfortable with the underlying volatility, we’ll say so before any allocation is made.
Expertise you can count on.
Fiduciary
Bound by fiduciary duty under Oklahoma and federal law. Methodical oversight for sustainable, long-term outcomes.
Personalized
Tailored to your goals, time horizon, and life stage. The principal personally oversees every account.
Modern
Regulated 5–20% digital asset sleeves through custodian-held ETFs at Altruist or Fidelity.
Resilient
Buy-and-hold discipline with periodic rebalancing. Zero-panic stewardship through every market cycle.
Transparent
Flat 1% fees, no performance fees, no broker-dealer ties. Statements directly from your custodian.
Financial Tools Regulatory Disclosures
Winston Solidus Wealth, LLC · Effective March 2026 · Last Updated: 5-7-26