Jake Claver
Family Office Professional | Investor | Fintech & web3 Expert
Your investment committee does not have to believe in crypto to allocate to it
That is the sentence that gets most family offices unstuck
Because the thing stopping the allocation is almost never the asset
It is that nobody at the table knows who actually gets to decide
I have watched a committee of smart people, a sharp CIO, a trusted outside advisor, a family member with real deal experience, leave every meeting vaguely frustrated
The allocation never moved
Not because they hated the idea
Because three different people each thought the final call was theirs
That is a charter problem, not a conviction problem
Here is what a working investment committee charter settles before crypto ever comes up
Who sits on the committee, and which seat is the independent one that can say the awkward thing
What needs a simple majority, and what needs a 75% supermajority
Whether the founder keeps a veto, in writing, and when it can be used
Who records the vote, and where it lives
Once that exists, the digital asset decision gets boring, which is exactly what you want
The families doing this are not going all in. They are sizing a 10 to 20% sleeve, rebalancing on triggers instead of calendar dates, and treating it like any other alternative
The committee never had to fall in love with the asset
It just needed permission to make a decision
What is actually blocking your allocation, the asset or the governance around it
After major appreciation, the smartest move may be to slow down and spend time learning before making big decisions. Access only the liquidity you need, then focus on estate planning, taxes, asset allocation, and wealth preservation. Surround yourself with experienced professionals who can catch what you miss. Building wealth is one challenge but keeping it across generations is another.
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