Charlie Andrys
Specialties
- Bitcoin Retirement Planning
- Bitcoin in IRAs & Retirement Accounts
- Fee-Only, Fiduciary Advice
- Retirement Income Without Forced Selling
- Self-Custody & Multisig
- Bitcoin Inheritance & Custody Setup
- Asset Management
- Traditional Investing Alongside Bitcoin
Contact / Connect
About Charlie
Firm
Bio
21st Financial is a fiduciary RIA in North Dakota. I built it from the ground up to integrate Bitcoin into traditional financial planning, instead of planning in spite of it. To me Bitcoin isn’t a lottery ticket or a trade, it’s a core savings technology that deserves consideration in more portfolios, and I build real plans around it.
I’m a firm advocate for holding your own keys. Self-custody is the whole point of Bitcoin, so I help clients set up multisig and an estate plan that keeps their Bitcoin secure and passable to their heirs. You stay in control of your own coins, and you never hand your keys to a custodian.
Where I differ from most Bitcoin advisors is Bitcoin credit. In a traditional portfolio, the income role is usually filled by bonds and opaque private credit. I use Bitcoin credit instruments, the preferred shares and structured credit issued by Bitcoin treasury companies, to serve a similar role in a portfolio built around Bitcoin. Like any investment they carry risk, including loss of principal, and I size them to each client’s plan. It’s the piece most advisors don’t offer, and it’s where I spend the most time.
You don’t need a big portfolio to start. There’s no account minimum, no commissions, and every client pays the same flat advisory rate on the assets I manage.
Location
Grand Forks, North Dakota + Virtual (serves clients nationwide)