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Ric Edelman - A Real Risk - Not owning bitcoin
What if the riskiest move in your portfolio isn’t owning crypto—but ignoring it?
In this episode of Raise Your Average, hosts Pierre Daillie and Mike Philbrick sit down with legendary advisor, founder of the largest US RIA firm, author, and futurist Ric Edelman, Founder of DACFP (Digital Assets Council of Financial Professionals). Edelman, long known as a trusted voice in personal finance, now makes his most provocative case yet: advisors and investors may need to rethink the role of crypto—moving beyond token allocations toward a meaningful presence in portfolios.
Ric explains why today’s environment—marked by regulatory clarity, institutional adoption, and longer human lifespans—has shifted the crypto conversation from speculation to necessity. He argues that traditional 60/40 models are broken in a world of longevity risk, rising rates, and monetary debasement, and calls for a bold reallocation: 80/20 with up to half of the equity/growth sleeve in crypto-related equities and including somewhere between 10% and 40% allocated of that directly to bitcoin and other digital assets e.g. Ethereum, Solana, etc.
The conversation spans regulatory breakthroughs, the psychology of allocation, fiduciary responsibility, and the mindset shifts advisors must embrace. As Edelman puts it, “Not owning crypto today is effectively shorting it.” This episode is a must-watch for financial professionals navigating the future of portfolio construction.
🔑 Key Takeaways
1. From Fringe to Foundational – With regulatory clarity under the Trump administration and institutional adoption accelerating, crypto is no longer a speculative bet but an investable, regulated asset class.
2. Longevity Changes Everything – Advances in healthcare and aging science mean people will live far longer, forcing portfolios to outlast retirements that could stretch 40+ years; Edelman argues this demands higher equity and crypto allocations.
3. The New 80/20 – The classic 60/40 portfolio has reached its limits; Edelman calls for 80% equities—with bitcoin and crypto-related equities making up as much as half of that equity sleeve with between a low of 10% to high of 40% directly allocated to bitcoin—for true long-term resilience.
4. Advisor Imperative – Compliance officers are shifting from resistance to acceptance as rules clarify, but Edelman warns that advisors who stay at zero risk reputational damage as clients begin to demand crypto exposure.
00:00 – Ric Edelman on diversification myths and hidden biases
02:00 – Why crypto deserves a 3%+ passive allocation
04:00 – Ric’s bold new thesis: 10–40% crypto allocation
07:00 – Regulatory clarity and the Trump administration’s policy shift
12:00 – Why low single-digit crypto allocations underserve investors
18:00 – Compliance barriers and regulatory breakthroughs
22:00 – The best time in Bitcoin’s history to invest
27:00 – Longevity risk: why retirement planning must change
31:00 – The end of 60/40: why 80/20 with crypto is the future
40:00 – Demographics, pensions, and the failing glide path model
50:00 – Crypto allocation frameworks: Bitcoin, Ethereum, picks & shovels
56:00 – Why crypto is safer now than ever before
1:03:00 – Volatility as a feature, not a bug
1:08:00 – Behavioral hurdles and myths keeping investors sidelined
1:13:00 – Advisors’ fiduciary duty in the new landscape
1:17:00 – Final thoughts: longevity, technology, and the advisor imperative
More...
• DACFP (Digital Assets Council of Financial Professionals)
• Ric Edelman's Bitcoin Allocation Strategy
• Earn your CBDA (Certified in Blockchain and Digital AssetsSM) Designation#CryptoInvesting#BitcoinETF#DigitalAssets#FinancialAdvisors#WealthManagement#PortfolioStrategy#CryptoAdoption#RaiseYourAverage#FutureOfFinance#CryptoEducation
View all episodes
By AdvisorAnalyst.comWhat if the riskiest move in your portfolio isn’t owning crypto—but ignoring it?
In this episode of Raise Your Average, hosts Pierre Daillie and Mike Philbrick sit down with legendary advisor, founder of the largest US RIA firm, author, and futurist Ric Edelman, Founder of DACFP (Digital Assets Council of Financial Professionals). Edelman, long known as a trusted voice in personal finance, now makes his most provocative case yet: advisors and investors may need to rethink the role of crypto—moving beyond token allocations toward a meaningful presence in portfolios.
Ric explains why today’s environment—marked by regulatory clarity, institutional adoption, and longer human lifespans—has shifted the crypto conversation from speculation to necessity. He argues that traditional 60/40 models are broken in a world of longevity risk, rising rates, and monetary debasement, and calls for a bold reallocation: 80/20 with up to half of the equity/growth sleeve in crypto-related equities and including somewhere between 10% and 40% allocated of that directly to bitcoin and other digital assets e.g. Ethereum, Solana, etc.
The conversation spans regulatory breakthroughs, the psychology of allocation, fiduciary responsibility, and the mindset shifts advisors must embrace. As Edelman puts it, “Not owning crypto today is effectively shorting it.” This episode is a must-watch for financial professionals navigating the future of portfolio construction.
🔑 Key Takeaways
1. From Fringe to Foundational – With regulatory clarity under the Trump administration and institutional adoption accelerating, crypto is no longer a speculative bet but an investable, regulated asset class.
2. Longevity Changes Everything – Advances in healthcare and aging science mean people will live far longer, forcing portfolios to outlast retirements that could stretch 40+ years; Edelman argues this demands higher equity and crypto allocations.
3. The New 80/20 – The classic 60/40 portfolio has reached its limits; Edelman calls for 80% equities—with bitcoin and crypto-related equities making up as much as half of that equity sleeve with between a low of 10% to high of 40% directly allocated to bitcoin—for true long-term resilience.
4. Advisor Imperative – Compliance officers are shifting from resistance to acceptance as rules clarify, but Edelman warns that advisors who stay at zero risk reputational damage as clients begin to demand crypto exposure.
00:00 – Ric Edelman on diversification myths and hidden biases
02:00 – Why crypto deserves a 3%+ passive allocation
04:00 – Ric’s bold new thesis: 10–40% crypto allocation
07:00 – Regulatory clarity and the Trump administration’s policy shift
12:00 – Why low single-digit crypto allocations underserve investors
18:00 – Compliance barriers and regulatory breakthroughs
22:00 – The best time in Bitcoin’s history to invest
27:00 – Longevity risk: why retirement planning must change
31:00 – The end of 60/40: why 80/20 with crypto is the future
40:00 – Demographics, pensions, and the failing glide path model
50:00 – Crypto allocation frameworks: Bitcoin, Ethereum, picks & shovels
56:00 – Why crypto is safer now than ever before
1:03:00 – Volatility as a feature, not a bug
1:08:00 – Behavioral hurdles and myths keeping investors sidelined
1:13:00 – Advisors’ fiduciary duty in the new landscape
1:17:00 – Final thoughts: longevity, technology, and the advisor imperative
More...
• DACFP (Digital Assets Council of Financial Professionals)
• Ric Edelman's Bitcoin Allocation Strategy
• Earn your CBDA (Certified in Blockchain and Digital AssetsSM) Designation#CryptoInvesting#BitcoinETF#DigitalAssets#FinancialAdvisors#WealthManagement#PortfolioStrategy#CryptoAdoption#RaiseYourAverage#FutureOfFinance#CryptoEducation