Crypto Investment Management Services

Cryptocurrencies are increasingly being incorporated into long-term financial planning, but their appropriate allocation within portfolios remains complex.

DAiM, a first-of-its-kind registered investment advisor focused on digital assets, integrates crypto into structured, long-term financial plans to address this challenge. As a fiduciary, it provides holistic wealth management services, building financial plans around client needs and milestones to support long-term wealth growth.

“We try to keep things simple and focus on what matters for the client’s financial goals,” says Bryan Courchesne, CEO.

Clients coming to DAiM have either invested in crypto or are looking to do so. They are supported by in-house investment and planning capabilities. Mike Soroudi, CFA and CFP® professional, guides them through model portfolios and strategies, helping them maximize returns on their investments.

Investment plans are designed to support retirement outcomes, incorporating projected returns from crypto assets within the broader portfolio. To assess asset performance over time, DAiM uses Monte Carlo simulation, which predicts the likelihood of a successful retirement. This enables clients to achieve true diversification across stocks, digital assets and uncorrelated assets to build wealth.

Managing Crypto through Selective Allocation

Clients’ motivations for investing in crypto vary over time. DAiM, however, focuses on determining the appropriate weightage within a portfolio.

A baseline allocation of around three percent to crypto is often recommended, though in some cases a double-digit exposure may be appropriate. This depends on individual factors such as income stability, investment experience and financial goals. The allocation is determined through client-specific evaluation, with a measured approach to return expectations guiding the final decision.

To help clients remain well-positioned for the long term, DAiM begins with a core Bitcoin allocation with all other crypto investments assessed against it. If a potential diversification cannot demonstrate clear potential to outperform Bitcoin, it is not pursued, ensuring that capital is allocated only to high-conviction opportunities within the digital asset portfolio. By using Bitcoin as the benchmark asset for portfolio construction, DAiM maintains a disciplined, conviction-driven approach focused on opportunities with the potential to outperform Bitcoin over time. Bitcoin, being self-sovereign, further diversifies clients’ assets away from traditional banks.

In practice, the focus remains on keeping operations simple and growth-oriented, whether it's only a few trades a year or, in some cases, none at all.

In one instance, a client approached DAiM with the intention to hold more crypto alongside their majority allocation in traditional stocks and bonds. Their existing wealth manager provided no structured guidance on crypto integration. After understanding their profile, DAiM recommended a revised allocation strategy, consolidating fragmented holdings into a single framework aligned with long-term financial goals and coordinated rebalancing. It also coordinated with a crypto-aware CPA, supporting estate planning and advising on aspects ranging from expenditure to retirement needs.

Since DAiM’s inception eight years ago, its model portfolio has delivered returns that have exceeded the Bitcoin buy-and-hold approach.

Service Rooted in Human Experience

DAiM’s work is built on consistent, direct communication and being available for clients. It responds to queries within the same day through phone, text or video calls. For clients seeking comprehensive wealth management, this is extended to in-person meetings at least once a year. It also engages with clients’ external advisors, like CPAs, to stay ahead of issues like tax inefficiencies.

It believes that investment management should be stress-free and allow clients to focus on their primary professional priorities. This customer-centric philosophy shapes its commitment to growing and supporting accounts.

As more investors hold crypto across multiple platforms and manage assets in isolation, DAiM sees a growing need for this kind of coordination. The firm aims to continue building its model portfolio, enabling coordinated, long-term portfolio management across asset classes.