Max Avery XRP

A mere 2% of IRA funds are allocated to self-directed accounts, with approximately $9 trillion held in IRAs, of which only $50 billion is in self-directed accounts.

Despite the prevalent discourse surrounding the notion of "taking control of your retirement," many individuals opt to invest in the same three index funds recommended by their colleagues during casual conversations. The financial services industry benefits from this trend, having persuaded millions that the only prudent way to invest retirement funds is through products they offer, such as mutual funds, target-date funds, and ETFs tracking indexes that have not been thoroughly examined.

In contrast, those who adopt innovative financial tools recognize which startups and assets are gaining traction and which are depleting resources. They possess an understanding of markets unfamiliar to many fund managers. Following conventional investment strategies limits the application of this knowledge in retirement accounts.

The self-directed IRA is designed for precisely these situations, offering identical tax treatment to a regular IRA while permitting investments in private companies, real estate, cryptocurrency, or any other area where one possesses expertise. Initiating this process is relatively straightforward: roll over an old 401(k) upon changing jobs, select a custodian, and begin directing your investments.

The question arises: why do so few individuals opt for self-directed accounts? The explanation lies in the fact that those who introduced retirement accounts were likely promoting retirement products, and self-directed accounts did not generate management fees, thus lacking incentives to inform individuals about them.

It is essential to reconsider the approach to retirement accounts, treating them similarly to other portfolio investments. If you would invest in an asset with taxable funds, consider whether it merits inclusion in a tax-advantaged account.

It is not suggested that everyone should pursue this strategy. For individuals lacking specific knowledge of alternative assets, index funds are a suitable and beneficial choice. However, for those who perceive opportunities overlooked by most investors, allocating all retirement funds to the same investments as others may seem inefficient.

The disparity between users of self-directed accounts and others is evident, as private markets are increasingly becoming a source of wealth creation, with access being crucial.

Safeguard your cryptocurrency assets by establishing an LLC account to protect them, avoiding storage on exchanges or uncertain cold wallets. For guidance, contact Digital Wealth Partners via the WhatsApp link in my bio to discuss whether this approach is suitable for your circumstances, and they can address any inquiries regarding secure crypto cold wallets and risk identification.

3 weeks ago | [YT] | 3

Max Avery XRP

Some in the #XRPCommunity are feeling negative despite all the momentum that Ripple and XRP have built in recent weeks. Let's take a look at some highlights driving progress and adoption

1.

License Approval in Dubai: Ripple received license approval from the Dubai Financial Services Authority, enhancing its operations across the Middle East.

2. Bitwise, Canary Capital and 21Shares #XRP ETF Filing: Bitwise filed for an XRP ETF, signifying strong institutional interest.

3. Brazil Partnership: Brazil's largest crypto exchange, Mercado Bitcoin, partnered with Ripple to offer cross-border payment solutions.

4. Platinum Award for Cross-Border Payments: Ripple was named the Platinum winner for the best cross-border payments platform by Juniper Research.

5. Ripple's Crypto Custody Service for Banks: Ripple launched custody services tailored for

banks, moving beyond its core payments business.

6. Power of Payments Award: Ripple won the 2024 Power of Payments award for the best fiat-to-crypto payments solution.

7. Sheila Bair Joins Ripple's RLUSD Advisory Board: Former FDIC Chair Sheila Bair joined Ripple's board for Real USD, reinforcing regulatory expertise.

8. Real USD Stablecoin Launch: Real USD, one of the few stablecoins issued by a New York Trust Company, expanded its availability on exchanges like Uphold, Bitstamp, and others.

9. Meme Coin Marketplace on XRPL: Launch of the FirstLedger, a meme coin marketplace on the XRP Ledger, drove XRPL activity to new highs.

10. Grayscale's XRP Inclusion in ETF: Grayscale filed for an ETF that includes XRP, reflecting broader institutional interest.

11. MetaMask Integration: MetaMask integrated the XRP Ledger, making it accessible to over 30 million users with a single click.

12. Arum Equity Partners' $1 Billion Fund: Private Equity Firm Arum Equity Partners launched a $1 billion tokenized fund on the XRP Ledger.

13. Federal Reserve Discussion: Ripple's Brad Garlinghouse and Chris Larsen participated in Federal Reserve discussions on digital assets.

14. Garanti BBVA Partnership: Garanti BBVA partnered with Ripple and IBM to bolster the security and performance of its digital platform.

15. Hong Kong Policy Summit: #Ripple co-hosted the Hong Kong Policy Summit with the FinTech Association of Hong Kong, highlighting Ripple's participation in regulatory dialogues in Asia.

16. Decentralized Identifiers (DID) Amendment Activated: The XRP Ledger activated the Decentralized Identifier (DID) amendment, enabling users to create, update, or delete DIDs associated with their accounts, aligning with W3C standards. 17. Price Oracles Amendment Implemented: The XRP Ledger enabled Price Oracles amendment, allowing the blockchain to access real-world data such as market prices, enhancing the functionality of decentralized applications. #DAG #XRPCommunity #FutureOfFinance #cryptonews #XRPHOLDERS #xrparmy

4 weeks ago | [YT] | 1

Max Avery XRP

One of the most interesting loopholes in the U.S. tax code involves Roth IRAs and high-income earners:

For married couples with an income of $240K or more, direct contributions to a Roth IRA are not allowed. However, they can still manage to funnel over $100K annually into a Roth IRA using their 401(k) through a strategy known as the 'mega backdoor Roth.'

Roth accounts offer significant tax advantages. You contribute post-tax dollars, and then, in retirement, you won't owe any taxes on your withdrawals, regardless of future tax rates. Due to the effectiveness of Roth IRAs, the government set income limits that prevent couples earning over $240K from contributing directly.

This is where the 'mega backdoor Roth' strategy becomes valuable. While 401(k) plans have an annual contribution limit of $69K, most individuals don't reach this cap because employees can only contribute $23K, and employer matches typically fall short of maxing it out. This leaves a considerable amount of untapped potential for high

earners.

If your 401(k) plan permits after-tax contributions and allows for conversions to a
Roth IRA, you can take advantage of the following:

Make after-tax contributions with the leftover amount.

Immediately convert those contributions into your Roth IRA.

This method allows you to bypass the Roth IRA income limits while maximizing your 401(k) contributions. It's important to check with your employer to see if your plan supports these features.

In theory, both you and your spouse could each contribute up to $69K through the mega backdoor Roth, potentially putting $138K into Roth IRAs annually.

However, there are some key considerations:

Ensure you have enough income to comfortably support this strategy, as it involves a significant deferral.

Verify that your 401(k) plan supports after-tax contributions and Roth conversions.

Ideally, convert your after-tax contributions to Roth immediately to avoid being taxed on any gains before the conversion.

DM For step by step guidelines.

4 weeks ago | [YT] | 2

Max Avery XRP

Most #XRP holders are looking for big gains but aren't prepared for what comes after. Sudden wealth brings complex challenges like tax burdens, frozen accounts, and security risks. At Digital Ascension Group, we've seen how planning makes all the difference between lasting wealth and missed opportunities.

Planning BEFORE price increases is critical. Once significant price action occurs, it's quickly too late to implement the best strategies for protecting your wealth. We've built a simple but serious four-part system for XRP holders who want to hold onto (and grow) their gains for the long haul. Reach us for full breakdown on how to set up your LLC ACCOUNT to ensure maximum security.

STAGE ONE: Prepping for Liquidity Before your XRP turns into real money, you'll want the right structures in place-legal, tax, and security. This often means setting up things like trusts or LLCs that are actually built for handling digital assets. Do this first, not later.

STAGE TWO: Turning Crypto Into Steady Income

Instead of cashing out and getting slammed with taxes, there are ways to use XRP as collateral for loans. That keeps your upside open while giving you access to liquidity, all without triggering a taxable event.

STAGE THREE: Building a Digital Family Office If your crypto wealth pushes past $20 million, managing things casually won't cut it. You'll need real structure: things like governance rules, a family constitution, and plans for how the wealth passes on.

STAGE FOUR: Getting the Next Generation Ready

Most inherited wealth disappears within two generations-and it's usually not bad investing that causes it. It's a lack of education and planning. With crypto, that risk is even higher unless the next generation is actually ready.

What sets Digital Ascension Group apart is how everything fits together. We've built a full system that covers everything under one roof, made for serious crypto holders who need more than just bits and pieces.We've already helped clients protect hundreds of millions in crypto that might've otherwise disappeared because of bad timing, unclear strategy, or missing relationships. We work only with custodians, banks, and legal pros we already trust.

We've also seen how just one gap can cause serious issues in your wealth plan. Missing a single move at the wrong time can cost you millions.

The potential upside for XRP holders is substantial, but actually holding onto that wealth is about preparation, not luck. The opportunity is real, the question is whether you'll be ready to protect it by setting up your LLC ACCOUNT today❗ DM for guidelines on how to follow.

4 weeks ago | [YT] | 2

Max Avery XRP

The EU lost its most widely-used stablecoin with USDT being pulled from major exchanges across Europe, all thanks to new MiCA regulations-and Tether's decision not to play along. That opens up a huge opportunity in the market. But the real question is: who's going to benefit? The situation is actually worse than it might seem.

So, what's behind all of this? It comes down to MiCA regulations:

Interest payments on stablecoins are prohibited

→ 60% of reserves must be held in cash

Daily issuance and redemptions are

capped

Compliance must be tied to EU-regulated banks

Tether reviewed these requirements and effectively said, "we're out." They're not willing to restructure a $150 billion operation just to stay in one region.

That decision leaves a major gap in Europe's crypto markets. USDT served as the main source of liquidity for countless trading pairs across top-tier exchanges. Without it, trading becomes scattered, liquidity thins out, and users start migrating to less-regulated platforms outside the EU.

Circle is stepping in to fill the gap with USDC and EURC-both of which are MiCA-compliant

and available now.

But here's the reality:

→ USDT still holds a ~$150 billion market cap

→ All euro-denominated stablecoins combined barely reach ~$250 million

That's not even in the same league.

USDC is doing better, with around $61 billion, but even that doesn't come close to matching USDT's influence. The numbers just don't add up.

And yet, most people seem to be missing Ripple in this conversation.

Ripple rolled out RLUSD in December. It's fully compliant with MiCA right out of the gate. And their institutional partnerships put them in a position that Circle can't easily replicate.

This isn't by chance, RLUSD is a strategic move. It's built for both the XRP Ledger and Ethereum, which gives it flexibility and reach.

What sets Ripple apart is their global approach. While most stablecoin projects have stayed focused on the US, Ripple built strong connections in other regions. So when EU regulations changed the game, Ripple was already in position.

Just look at what's happening in Asia.
Piattorms like Straitsx nave launcnea Singapore's digital dollar (XSGD), and regional stablecoins are starting to gain serious traction. Ripple understood this shift early, and they adapted faster than anyone else.

They've been preparing for a moment like this for years.

Here's why RLUSD stands out:

Built to meet MiCA compliance from the beginning

→ Runs on trusted and widely-used

blockchain infrastructure

→ Backed by Ripple's institutional network

→ Ready to scale up quickly

Circle brings regulatory compliance but lacks size. Tether has massive scale but won't comply. Ripple is the only one offering both compliance and global reach. That puts them in a unique position.

The European crypto market is worth billions. That value won't sit unclaimed for long.

Circle is trying to grab it. Tether stepped away. Ripple is already moving.

This might actually break USDT's long-standing dominance. With real competition, stablecoin products could get better. The EU may have triggered that shift (intentionally or not.)

At this point, RLUSD seems like the strongest candidate to fill the gap:

→ It launched fully compliant

→ Ripple already has the right partners

They've worked with regulators before

→ The XRP Ledger is a proven base to build

on

The next six months will be key.

Bottom line: The EU lost its most liquid stablecoin due to regulatory overreach and Ripple is positioned to benefit most from this chaos.

Sometimes the best opportunities come from others' mistakes. #Dag #Strictly #المغرب #Ashes #BBVIPKS4 #blockchain

4 weeks ago | [YT] | 2

Max Avery XRP

New one from @realMaxAvery on Ripple's valuation, XRP's role and what Wall Street locked in at wholesale prices

1 month ago | [YT] | 1

Max Avery XRP

You balked at dinner tickets & then you spent $15,000 travelling to a conference where you collected 50 business cards from people you'll never talk to again.

Let me explain why you're thinking about this backwards

Everyone's obsessed with being frugal about the wrong things. You'll skip the high level dinner because it feels expensive. You'll hesitate on the intimate roundtable with top professionals because the price tag makes you uncomfortable. But you'll drop thousands on conference passes and hotel rooms without blinking.

The conference makes you feel productive...You can expense it, there's a badge and a schedule and breakout sessions, it's familiar and feels like work

But let's compare what happens at a proper dinner...

Seals Al didn't close their biggest partnership at a booth on the expo floor. They made that connection over dinner during SF Tech Week. Dapta and Leadsales figured out their strategic alliance over a meal where they actually had time to talk through their challenges. No PowerPoints..no time limits. Just real conversation that led to real business.

A founder I work with spent $10,00 on a dinner with six other entrepreneurs. Three became clients within 90 days. One turned into a strategic partner that completely changed the trajectory of his business.

Do the math on that ROI.

The problem is we've been trained to think about networking in volume terms. More contacts equals more opportunity. So we chase the big events where we can "maximize" our time and meet dozens of people in a few hours...that's backwards.

The highest value relationships form in small rooms over extended time. When you sit across from someone for two hours, you get past the surface. You learn what they're actually working on. You figure out where you can help each other. You build trust.

Here's what happens in those rooms that doesn't happen anywhere else:

You go deep on actual problems instead of exchanging elevator pitches. Someone at the table is three steps ahead of where you are and they just handed you the roadmap. Someone else is facing the exact challenge you solved last year.

The anchor guest effect is real. When there's one person at the table who's operating at a higher level than everyone else, it pulls the entire conversation up. You're not networking with peers but really you're getting access to someone you'd never get 30 minutes with otherwise.

You make the kind of impression that sticks. In a crowd of 500 people, you're forgettable. At a table of 8, you're memorable. When that person thinks of someone who can help with a problem six months from now, they remember the dinner conversation.

Strategic partnerships get formed because there's time to actually explore fit. You can't figure out if someone's a good partner in a minute conversation on a conference floor..you need hours.

The dinners that seem expensive up front often cost less than conferences when you factor in flights, hotels, and wasted time. But even if they don't, the return per dollar spent is 10x higher.

Smart operators figured this out years ago. They stopped chasing volume and started paying for access to the right rooms. They realized that one relationship with the right person is worth more than 100 contacts with random people.

The networks that actually move your business forward get built around you're serious about building relationships that matter, stop being cheap about the rooms that count. The dinner price isn't the cost. Missing the room is the cost.

DM me if you want to know about the dinners where this is actually happening #BTC #DAG #xrparmy #cryptoinvesting

1 month ago | [YT] | 3

Max Avery XRP

Lots of great discussions at Swell and plenty of reasons to see why institutions who actually move money around the world keep choosing Ripple and the XRPL

1 month ago | [YT] | 1

Max Avery XRP

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1 month ago | [YT] | 2

Max Avery XRP

Ripple's Rail acquisition gives them
the complete enterprise payment stack. While competitors rely on partnerships, Ripple now owns everything from backend to interface, positioning XRP at the center of global stablecoin and cross-border payments.

#xrpcommunity #xrp #xrparmy #crypto #bitcoin #blockchain #cryptonews #ripple #xrpnews #xrpupdate #cryptoday #viral
#xrpholders #cryptobullrun #xrppricepredic

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1 month ago | [YT] | 2