Jake Claver, Chief Executive Officer of Digital Ascension Group (DAG), recently discussed retirement planning for cryptocurrency holders during an appearance on the Paul Barron Show. The conversation addressed how investors can structure their portfolios for the future and how assets such as XRP can be used for long-term retirement without liquidation. Shifting Views on Retirement During the interview, Paul Barron noted that a growing number of individuals in their 40s are setting retirement goals earlier than previous generations. This reflects changing work expectations, as more people seek financial independence sooner rather than planning to remain in traditional employment for several decades. Claver explained that people typically move through different financial stages as they age. He observed that early adulthood is often shaped by learning through experience, while the following years focus on building wealth through careers, investment, and entrepreneurship. By midlife, priorities commonly shift toward restructuring personal goals and enjoying the results of earlier financial decisions. In later years, he stated that many begin to prioritize community support, knowledge sharing, and charitable work, especially when financial stability has already been secured. He added that the modern financial landscape offers more opportunities for wealth creation than previous eras, particularly because of the growth of digital assets. Diversification in Wealth Building Claver emphasized the value of diversification across all age groups. According to him, younger adults usually have a higher tolerance for risk and can allocate more resources to growth-oriented investments. As people approach retirement, he noted they tend to prefer safer assets and consistent returns. He referenced strategies commonly used by high-net-worth families. These approaches often allocate roughly 20–30% to liquid, low-risk holdings such as cash and government securities, another 20–30% toward equities, and approximately 10–20% to real estate due to its benefits for income generation and taxation. Business ownership is also an important component for wealth generation, while cryptocurrency typically represents a smaller allocation, usually between 1–5%, though more aggressive investors may choose to increase this portion based on risk preference. We are on X, follow us to connect with us :- @TimesTabloid1 — TimesTabloid (@TimesTabloid1) June 15, 2025 Using XRP for Long-Term Retirement Planning Barron requested insight on how investors could retain XRP and similar cryptocurrencies for retirement without selling them. He noted interest in assets including XRP, Bitcoin, HBAR, XLM, and yield products from networks such as Flare. Claver stated that DAG prioritizes helping clients establish proper structures for asset management rather than advocating for a specific product. He highlighted Wyoming as one of the most advantageous jurisdictions for digital asset ownership due to legal protections and favorable regulations. He revealed that his firm has assisted clients in forming nearly 7,500 limited liability companies in the state, many of which are used to store assets such as XRP, ETH, Solana, MATIC, Chainlink, and others. These LLCs are generally created as holding entities rather than trading entities so that assets qualify for long-term capital gains treatment and remain shielded from operational risk. He further noted that these structures can provide legal protection, as creditors cannot seize assets directly but may only request a charging order. To complement LLCs, DAG often integrates living trusts for clients. These trusts, which may be revocable or irrevocable depending on preference, ensure smooth inheritance without probate processes. Claver stated that the firm currently establishes living trusts for $500, with an upcoming increase to $1,000. Trusts can hold various assets, including digital currencies, property, vehicles, precious metals, and valuable possessions. Claver’s perspective illustrates how digital assets such as XRP can play a role in long-term retirement planning when combined with proper legal structure, diversification, and strategy. Rather than relying solely on selling tokens for profit, investors can position assets within LLCs and trusts to preserve wealth, maintain control, and pass holdings to future generations. Disclaimer : This content is meant to inform and should not be considered financial advice. The views expressed in this article may include the author’s personal opinions and do not represent Times Tabloid’s opinion. Readers are urged to do in-depth research before making any investment decisions. Any action taken by the reader is strictly at their own risk. Times Tabloid is not responsible for any financial losses. Follow us on Twitter , Facebook , Telegram , and Google News The post Long-Term Retirement Strategy: Leveraging XRP Without Selling appeared first on Times Tabloid .
