The Bitcoin IFA Podcast

What do you do with your Bitcoin when you die? Peter Lane has spent years building the answer. He launched Europe's first spot Bitcoin ETF on Euronext Amsterdam in 2023. Now, as founder of Bitcoin Life, granted a full life insurance licence by the Guernsey Financial Services Commission in September 2026, he's created the first regulated offshore bond designed specifically for Bitcoin. This episode is essential listening for any financial adviser with clients who hold Bitcoin. Peter and Dan cover:  - The four-year cycle: why Peter believes the sellers are already exhausted, and what that means for Q4 2026 - Why Bitcoin is now a 'forever asset', and what that means for estate planning - The offshore bond explained: how this 200-year-old structure now has a Bitcoin version - Using a loan trust to move Bitcoin outside your estate, and why paying CGT now could save a fortune in IHT later - The probate problem: executors have a strict legal duty to find all estate assets, including Bitcoin. What happens when they can't? - Custody: how BitGo holds the Bitcoin within the structure, and why self-custody doesn't work inside a trust - The expat opportunity: UK nationals living abroad with zero CGT who can structure Bitcoin outside their estate before returning home - Why financial advisers were never taught what money is, and what that means for their ability to advise clients on Bitcoin - The commercial risk of not engaging with Bitcoin: Peter's tomato analogy explains exactly why 'I don't like it' is not a professional positionTo speak with Pete about putting your client's Bitcoin into an offshore bond for you or your clients, click here - https://bitcoinlife.co.uk/?utm_source=bitcoin_ifa&utm_medium=email&utm_campaign=launch&utm_content=newsletterSpeak with The Bitcoin Adviser about Custody Solutions - https://content.thebitcoinadviser.com/the-bitcoin-ifaSign up to my newsletter - https://hub.thebitcoinifa.com/newsletterWebsite - www.thebitcoinifa.comWe always recommend watching ‘What’s the Problem’ by Joe Bryan:https://bit.ly/jbwtpDISCLAIMER: This podcast is for FCA-authorised financial advisers only and is not for retail clients.The views expressed in this content, and all other content on this channel, are those of the individuals speaking and do not constitute financial advice or a recommendation to invest in any product, asset, or strategy, including those discussed in sponsored segments.This content is for educational purposes only.Always do your own research and consider all relevant risks before making any investment decisions.

Peter Dunworth is back. In 2016, Peter began putting 1% of his clients' portfolios into Bitcoin. Those clients have now held through the 85% crash of 2018, the 78% crash of 2022, FTX, and the current 53% bear market.  Recorded one week after the Coldcard hack, this is the conversation every Bitcoin adviser and every IFA needs to hear. This episode covers: The Coldcard hack explained: what really went wrong (entropy failure in seed phrase generation, not a network attack), what 'single point of failure' means in practice, and how Pete's multi-sig custody setup at The Bitcoin Advisor protects against it.Why Pete believes traditional annuities and pension products are structurally broken, and the maths behind why a million pound pension could be worth half that in real terms within a decade.ETFs vs self-custody: why Pete sees the proliferation of Bitcoin ETFs as growing the pie, not threatening self-custody, and who needs which.Where we are in the cycle: Pete shares what Checked on Chain's data says about whether the bottom is in.Client onboarding: Pete's exact framework for managing expectations, how he pre-warns clients the asset could halve the day after purchase, and why that sets up the DCA conversation.AI vs Bitcoin: why Pete believes every pound flowing into AI will ultimately end up in Bitcoin, and why Bitcoin is the only tech asset with a genuine moat.The professional risk to financial advisers who cannot discuss Bitcoin with their clients due to a lack of knowledge.Speak with The Bitcoin Adviser about Custody Solutions - https://content.thebitcoinadviser.com/the-bitcoin-ifaSign up to my newsletter - https://hub.thebitcoinifa.com/newsletterWebsite - www.thebitcoinifa.comWe always recommend watching ‘What’s the Problem’ by Joe Bryan:https://bit.ly/jbwtpDISCLAIMER: This podcast is for FCA-authorised financial advisers only and is not for retail clients.The views expressed in this content, and all other content on this channel, are those of the individuals speaking and do not constitute financial advice or a recommendation to invest in any product, asset, or strategy, including those discussed in sponsored segments.This content is for educational purposes only.Always do your own research and consider all relevant risks before making any investment decisions.

What happens when a Cambridge-educated monetary historian, former Chancellor of the Exchequer, and chairman of a Bitcoin treasury company sits down to talk about Bitcoin? You get the most intellectually grounded Bitcoin conversation the podcast has ever had. Kwasi Kwarteng - whose PhD examined the 1695 Recoinage Crisis, who wrote 'War and Gold: A 500-Year History of Empires and Debt,' and who now chairs Stack BTC - didn't find Bitcoin through the price. He found it through two decades of studying what happens when money goes wrong. This episode covers:• 'If you can't discuss Bitcoin with your clients, you're not doing your job.' The professional challenge every adviser should hear.• Why the age of an IFA almost perfectly predicts their Bitcoin attitude, and what a 25-year-old retiring in 2066 should be thinking about right now.• Boris Johnson called Bitcoin a Ponzi scheme. Kwasi's response: what does he think about fiat currencies that have lost 90% of their value in 50 years?• UK national debt: 311 years to reach £520bn (1694–2005). Then quadrupled in 21 years.• The 1695 Recoinage Crisis: England's silver coins were secretly debased to half their value. Sound familiar?• Central banks printing money, then buying gold to hedge against their own printing. 'Protecting themselves from themselves.'• Why Kwasi sees Bitcoin as the logical successor to the gold standard.• Stack BTC's dual model: Bitcoin treasury plus cash-generative businesses, and why a pure Bitcoin play is harder in London than on NASDAQ.• The UK's post-2008 anti-innovation mindset: the IPO market has collapsed, the dynamism is gone, and London is ceding ground to Paris and New York.• What Bitcoin has given Kwasi beyond the price: a framework for understanding value, money, and what 'fiscal incontinence equals monetary debasement' really means.Speak with The Bitcoin Adviser about Custody Solutions - https://content.thebitcoinadviser.com/the-bitcoin-ifaSign up to my newsletter - https://hub.thebitcoinifa.com/newsletterWebsite - www.thebitcoinifa.comWe always recommend watching ‘What’s the Problem’ by Joe Bryan:https://bit.ly/jbwtpDISCLAIMER: This podcast is for FCA-authorised financial advisers only and is not for retail clients.The views expressed in this content, and all other content on this channel, are those of the individuals speaking and do not constitute financial advice or a recommendation to invest in any product, asset, or strategy, including those discussed in sponsored segments.This content is for educational purposes only.Always do your own research and consider all relevant risks before making any investment decisions.

In this fifth instalment of the Roberts Series, Dan sits down once again with Sam Roberts (actuary, pension expert, and Bitcoin thinker) from Cartwright Pension Trust. This episode focuses on a concept Sam calls balance sheet resilience: not predicting a single bad scenario, but stress-testing your finances against many possible futures, including the continuation of a 55-year fiat monetary experiment that, by most measures, is becoming increasingly fragile.  Dan and Sam cover:  • What balance sheet resilience actually means, and why most organisations have never properly analysed it • CPI at double digits, the Bank of England moving from 0% to 5%, and UK debt at 100% of GDP • Why the media narrative around inflation is designed to look the wrong way • Dan's Lebanon story, what happens to an economy with no government at all • The £3 trillion UK pensions landscape and the rise of CDC and Tontines • Three essential books: The Fourth Turning, The Big Print, and Principles of Economics • Time preference, why sound money changes how you buy a kettle • How charities are starting to think about Bitcoin for donations and treasury • When stablecoins might be right and when only Bitcoin will do  Part 6 is already planned, and this episode ends with a preview of what's next.Speak with The Bitcoin Adviser about Custody Solutions - https://content.thebitcoinadviser.com/the-bitcoin-ifaSign up to my newsletter - https://hub.thebitcoinifa.com/newsletterWebsite - www.thebitcoinifa.comWe always recommend watching ‘What’s the Problem’ by Joe Bryan:https://bit.ly/jbwtpDISCLAIMER: This podcast is for FCA-authorised financial advisers only and is not for retail clients.The views expressed in this content, and all other content on this channel, are those of the individuals speaking and do not constitute financial advice or a recommendation to invest in any product, asset, or strategy, including those discussed in sponsored segments.This content is for educational purposes only.Always do your own research and consider all relevant risks before making any investment decisions.

In this episode, Dan sits down with Jordan and Jez from the Bitcoin Collective — the organisation behind the UK's first major Bitcoin conference in 2022 — who have just launched the Bitcoin Business Network.  Over £300 billion sits in UK SME business accounts. More than half earns zero percent. Jordan and Jez spotted a pattern: their Bitcoin community had three times the concentration of business owners compared to the national average. So they built something for them.  In this conversation, Dan, Jordan and Jez cover:  • How the Bitcoin Collective started as a podcast and became a movement • Why the Bitcoin community is the only 'cult' that encourages critical thinking • The £150 billion problem sitting in UK SME accounts earning nothing • How a decision made at a train station over a Guinness launched the Network • Why an ex-Chancellor of the Exchequer is now publicly advocating for Bitcoin • What happens when a hotel chain owner meets a Bitcoin-accepting tailor • Why business owners — not retail investors — may be the fastest adopters  If you're an adviser with business-owner clients, or a business owner yourself, this episode is highly recommended.Speak with The Bitcoin Adviser about Custody Solutions - https://content.thebitcoinadviser.com/the-bitcoin-ifaSign up to my newsletter - https://hub.thebitcoinifa.com/newsletterWebsite - www.thebitcoinifa.comWe always recommend watching ‘What’s the Problem’ by Joe Bryan:https://bit.ly/jbwtpDISCLAIMER: This podcast is for FCA-authorised financial advisers only and is not for retail clients.The views expressed in this content, and all other content on this channel, are those of the individuals speaking and do not constitute financial advice or a recommendation to invest in any product, asset, or strategy, including those discussed in sponsored segments.This content is for educational purposes only.Always do your own research and consider all relevant risks before making any investment decisions.

In this episode of The Bitcoin IFA Podcast, Dan sits down with Sam Roberts to explore one simple but powerful question:If you’re responsible for managing other people’s money… can you afford to ignore Bitcoin?Rather than hype or price predictions, this discussion focuses on risk, fiduciary responsibility, and scenario analysis.What happens if Bitcoin goes to zero?What happens if it 10x’s?What happens if it 100x’s over 30 years?And perhaps more importantly…What happens if fiat continues to debase?What We CoverWhy fiat currency is structurally designed to expandFixed supply vs unlimited supply: basic supply and demandWhy “Bitcoin to zero” is a responsible scenario to modelWhy ignoring Bitcoin may itself be reckless3–5% global adoptionThe Cantillon effect and long-term currency debasementWhy a 1–5% allocation deserves serious analysisGovernment bans, quantum computing & common objectionsIntergenerational wealth vs short-term speculationKey Quotes From This Episode“It’s worth running the numbers if it goes to zero. But it’s also worth running the numbers if it 10xs.”“As soon as you have a central power, it seems to be human nature to debase the currency.”“You compare Bitcoin against fiat — Bitcoin is better than all of them.”“I can take some responsibility myself and improve my own life by opting out of this system…”Speak with The Bitcoin Adviser about Custody Solutions - https://content.thebitcoinadviser.com/the-bitcoin-ifaSign up to my newsletter - https://hub.thebitcoinifa.com/newsletterWebsite - www.thebitcoinifa.comWe always recommend watching ‘What’s the Problem’ by Joe Bryan:https://bit.ly/jbwtpDISCLAIMER: This podcast is for FCA-authorised financial advisers only and is not for retail clients.The views expressed in this content, and all other content on this channel, are those of the individuals speaking and do not constitute financial advice or a recommendation to invest in any product, asset, or strategy, including those discussed in sponsored segments.This content is for educational purposes only.Always do your own research and consider all relevant risks before making any investment decisions.

Jeff Booth, author of The Price of Tomorrow, spent 15,000 hours trying to disprove Bitcoin. What he discovered challenged everything he understood about free markets, risk, and the financial systems we operate within. This conversation isn't about convincing you to believe anything – it's about examining whether the foundations we've built our careers on are as stable as we've assumed.For financial advisers seeking analytical depth rather than speculation, Jeff explains: the difference between technologies and protocols, how Bitcoin is already solving the objections most advisers raise, and why the real risk might not be what we think it is. This is a conversation for professionals who understand that fiduciary responsibility sometimes means questioning the very systems you're operating within.Speak with The Bitcoin Adviser about Custody Solutions - https://content.thebitcoinadviser.com/the-bitcoin-ifaSign up to my newsletter - https://hub.thebitcoinifa.com/newsletterWebsite - www.thebitcoinifa.comWe always recommend watching ‘What’s the Problem’ by Joe Bryan:https://bit.ly/jbwtpDISCLAIMER: This podcast is for FCA-authorised financial advisers only and is not for retail clients.The views expressed in this content, and all other content on this channel, are those of the individuals speaking and do not constitute financial advice or a recommendation to invest in any product, asset, or strategy, including those discussed in sponsored segments.This content is for educational purposes only.Always do your own research and consider all relevant risks before making any investment decisions.

Bitcoin ETNs are finally “allowed” again in the UK, but advisers are not exactly throwing confetti. In this episode, Dan sits down with James Priday to unpack what’s really slowing adoption, and why the headline change does not automatically translate into real-world advice activity.You’ll hear why crypto ETNs are still treated as restricted mass market investments, what that means in practice (including appropriateness tests and criteria like high net worth or sophisticated investors), and why platforms and advice firms need extra operational and compliance controls before they get comfortable.James also breaks down the ETN vs ETF confusion and why that terminology alone can create perceived risk for advisers and clients.Then it gets properly messy when Dan raises the ISA situation, including the discussion around HMRC confirming that you’re allowed Bitcoin ETNs within an ISA.This one is not to be missed. Speak with The Bitcoin Adviser about Custody Solutions - https://content.thebitcoinadviser.com/the-bitcoin-ifaSign up to my newsletter - https://hub.thebitcoinifa.com/newsletterWebsite - www.thebitcoinifa.comWe always recommend watching ‘What’s the Problem’ by Joe Bryan:https://bit.ly/jbwtpDISCLAIMER: This podcast is for FCA-authorised financial advisers only and is not for retail clients.The views expressed in this content, and all other content on this channel, are those of the individuals speaking and do not constitute financial advice or a recommendation to invest in any product, asset, or strategy, including those discussed in sponsored segments.This content is for educational purposes only.Always do your own research and consider all relevant risks before making any investment decisions.

In this episode, Dan sits down with Scott Ellam, CEO and founder of XCE, to explore how a traditional executive recruitment firm became one of the first publicly listed companies built around a Bitcoin treasury strategy. For financial advisers, this conversation offers a clear, real-world example of how Bitcoin can function inside a regulated business, how volatility can be managed, and why ignoring the asset may soon risk losing clients, assets and talent.Scott walks through his journey from discovering Bitcoin in 2016 to building a four-year corporate treasury that held firm through an 80% drawdown. He explains why the volatility never shook his conviction, how denominating the balance sheet in Bitcoin became a long-term strategic choice, and what ultimately led to the IPO.The discussion also covers how XCE handles global payments across the US, Europe and the Middle East, the practical advantages of using Bitcoin and stablecoins, and why network effects inside traditional industries may accelerate corporate adoption sooner than expected. Scott outlines how talent attraction, share-option structures and a Bitcoin-experienced board support the firm’s growth model.For advisers seeking to understand the operational side of Bitcoin — rather than abstract theory — this episode provides a grounded, accessible view of how one company applied it through volatile markets and into a public listing.Speak with The Bitcoin Adviser about Custody Solutions - https://content.thebitcoinadviser.com/the-bitcoin-ifaSign up to my newsletter - https://hub.thebitcoinifa.com/newsletterWebsite - www.thebitcoinifa.comWe always recommend watching ‘What’s the Problem’ by Joe Bryan:https://bit.ly/jbwtpDISCLAIMER: This podcast is for FCA-authorised financial advisers only and is not for retail clients.The views expressed in this content, and all other content on this channel, are those of the individuals speaking and do not constitute financial advice or a recommendation to invest in any product, asset, or strategy, including those discussed in sponsored segments.This content is for educational purposes only.Always do your own research and consider all relevant risks before making any investment decisions.

In this episode, Andrew Webley — Founder and CEO of The Smarter Web Company — discusses how a long-established UK business chose to list on the Aquis Stock Exchange while holding Bitcoin as a core part of its treasury.He talks through the reasoning behind the listing, the regulatory limits that define what a UK company can do with Bitcoin, and the practical framework his team uses to measure and manage their position. The conversation explores concepts such as Bitcoin-per-share, MNAV, liquidity, and dilution — and why these metrics can reshape how a public company’s balance sheet and growth strategy are interpreted.Andrew also reflects on the common assumptions people make about Bitcoin, the areas where understanding tends to fall short, and what traditional treasury management may overlook when compared to a Bitcoin-based approach.This episode offers a clear, thought-provoking look at how one listed company is navigating an emerging financial structure — and why its choices may prompt a re-examination of risk, compounding, and long-term planning.Speak with The Bitcoin Adviser about Custody Solutions - https://content.thebitcoinadviser.com/the-bitcoin-ifaSign up to my newsletter - https://hub.thebitcoinifa.com/newsletterWebsite - www.thebitcoinifa.comWe always recommend watching ‘What’s the Problem’ by Joe Bryan:https://bit.ly/jbwtpDISCLAIMER: This podcast is for FCA-authorised financial advisers only and is not for retail clients.The views expressed in this content, and all other content on this channel, are those of the individuals speaking and do not constitute financial advice or a recommendation to invest in any product, asset, or strategy, including those discussed in sponsored segments.This content is for educational purposes only.Always do your own research and consider all relevant risks before making any investment decisions.