Portrait · drop in
About
A decade on the desk, a lifetime in US markets.
Currently accepting US clients Fee-only · Fiduciary
I am Yash Agarwal. I have traded crypto on my own book for over ten years — through three bear markets and four halving cycles — and I have spent my career at the intersection of capital markets and technology.
I am not a broker. I do not run a robo-advisor or a mutual fund. I take a small number of US households and active traders as clients each year and write them a plan they can actually read in one sitting.
Philosophy
Crypto is a position.
Equity is a seat
at the owner’s table.
Tax is the
silent return killer.
Treat each instrument as what it is, and the rest is patience. The practice does one thing: name what each dollar in your household is doing, in writing, in plain English.
Areas of expertise
What I actually do all day.
Four pillars, written end-to-end into one plan.
01
Crypto trading 10+ YEARS · OWN BOOK
Spot & derivatives across BTC, ETH and a curated long‑tail. Risk-first, position-sized, rule-bound. US tax-aware exits — HIFO, Form 8949, wash-sale workarounds.
02
US equities & ETFs NYSE · NASDAQ · INDEX-CORE
Low-cost index core (VTI, VXUS) with concentrated direct equity overlay. Tax-loss harvesting, systematic rebalancing, annual 10-K deep reads.
03
Tax-advantaged accounts 401K · IRA · HSA · 529
Contribution sequencing, Roth conversion planning, backdoor Roth, mega backdoor, asset location strategy, HSA as stealth retirement account.
04
Real assets REITS · TIPS · GOLD · I-BONDS
REIT ETFs, TIPS ladders, I-Bond allocation, gold ETFs, commodity exposure. Each used as an instrument, sized to the plan.