Financial Advisor and CPA for Crypto Investors
A flat-fee CPA and Financial Planner team that gives you personalized, holistic advice across your taxes and financial plan. We plan your crypto sales, staking income and cost basis, and file your returns.
What we handle for crypto investors
The crypto work that carries a form, a deadline or a tax bill, planned with the rest of your money.
- 01
Form 1099-DA reconciliation
Brokers reported gross proceeds on Form 1099-DA for 2025 sales. For 2026 sales they also report basis, but only for coins acquired in 2026 or later in the same account. A coin bought earlier or moved in from another wallet arrives with no basis, so your CPA supplies it before filing.
- 02
Cost basis by wallet and account
Since January 1, 2025, basis is tracked separately for each wallet and exchange account, not as one pool across them. A transfer between your own wallets is not a sale, but its basis has to move with the coins.
- 03
Staking and mining income
Rewards are ordinary income at their fair market value when you gain control of them, and that value becomes their basis for a later sale. Mining run as a business also owes self-employment tax.
- 04
Short and long-term gains
Coins held one year or less are taxed at your income tax rates when sold. Held longer, the rate is 0%, 15% or 20%, and for 2026 the 20% rate starts at $545,500 of taxable income single or $613,700 joint. See the net investment income tax for the 3.8% on top.
- 05
Estimates after a big sale
A gain in March means an estimated payment by April 15, not next April. Your CPA sizes each payment after a sale so it brings no underpayment penalty. 2026 estimates are due April 15, June 15, September 15 and January 15, 2027.
- 06
Your federal and state returns
Your CPA files from the CoinTracker tax reports you upload, with each sale and swap on Form 8949 and the digital asset question on Form 1040 answered correctly. Nothing is filed until you approve it.
How Nino helps crypto investors
Nino is built by the team behind CoinTracker, and its Head of Financial Services, Shehan Chandrasekera, CPA, also leads tax strategy at CoinTracker. On an Advisor plan your CPA and Financial Planner see your crypto next to your bank, brokerage, retirement accounts and home, and plan all of it together.
Book a free consultation-
A plan in your first two weeks
Your CPA and Financial Planner build a tax and financial plan around your crypto, your income and your goals, then revisit it every quarter.
-
CoinTracker connected, read-only
Connect CoinTracker and Nino reads your wallet and exchange balances, holdings and cost basis, refreshed hourly. It does not import individual transactions. See how Nino works with CoinTracker.
-
Ask before you sell
Tell your CPA the trade before you place the order and get the tax on it, including what it does to your next estimated payment. A CPA you see only in April hears about it after the fact.
Which crypto choices change your taxes?
Four decisions to make before a trade, not after the 1099-DA arrives.
Whether to harvest losses
Under current law the wash sale rule covers stock and securities, not crypto held directly, so you can sell at a loss and buy back. Crypto ETF shares are securities. A bill approved by the House Ways and Means Committee in September 2026 would extend the rule to crypto sold after September 14, 2026 if it becomes law.
How to treat lost or stolen coins
Most personal theft losses are not deductible, a limit the 2025 tax law made permanent. A loss to an investment scam can still be, when it was theft under state law, the transfer was made for profit, and there is no reasonable prospect of recovery. Your CPA documents the facts before claiming it.
Whether to give or donate coins
A gift is not a sale: the recipient takes your basis and holding period, and gifts above $19,000 to one person in 2026 need a gift tax return. Donating coins held more than a year deducts their fair market value without the gain, but a claim above $5,000 needs a qualified appraisal.
How much of your net worth to hold in crypto
If bitcoin is 40% of your net worth, a 50% drop cuts your net worth by 20%. Your financial planner sets the share you want to hold and a selling schedule, and your CPA times the sales across tax years. See crypto CPA or financial advisor.
Pick your plan
Every Advisor plan includes a CPA and Financial Planner team, federal and state tax filing, and our Ultra software.
Essential
- Everything in Ultra software, plus:
- A dedicated CPA and Financial Planner team for you
- Single-filer return, quarterly taxes included
- Retirement & equity planning
- Quarterly advisor access
- Rentals
- 0
- K-1s
- 0
- States
- 1
- Brokerage
- 3
Plus
Most Popular- Everything in Essential, plus:
- A dedicated CPA and Financial Planner team for you and your spouse
- Married filing jointly return, international coverage included
- One coordinated plan for both of you
- Quarterly and ad hoc advisor access
- Rentals
- 2
- K-1s
- 5
- States
- 3
- Brokerage
- 5
Premier
- Everything in Plus, plus:
- Business bookkeeping and tax filings, priced by complexity
- Joint or single return, complex international coverage
- Advanced equity & estate planning
- Priority advisor access
- Rentals
- 5
- K-1s
- 10
- States
- 5
- Brokerage
- 10
Software plans starting from $20 a month
Our AI financial assistant on its own, with a 7-day free trial.
Guides for crypto investors
Read up on these decisions, or run your own numbers.
Crypto CPA or Financial Advisor
A crypto CPA handles cost basis, Form 8949, and 1099-DA reconciliation. A financial advisor handles allocation and concentration. When you need each.
Read guideHow Much Does a Crypto Tax Accountant Cost?
Crypto tax fees depend on record cleanup and return complexity. Compare software, reconciliation, filing, and representation as separate services.
Read guideWhat Is Tax-Loss Harvesting?
Selling an investment at a loss can offset taxable gains. Learn the steps, see an example, and avoid wash-sale mistakes.
Read guideWhat Is the Net Investment Income Tax (NIIT)?
NIIT is a 3.8% tax on certain investment income above income thresholds. See who pays, what counts, and how to calculate it.
Read guideTax-Loss Harvesting Calculator
Estimate the tax saved by harvesting losses, the $3,000 offset, and what carries forward.
Open calculator
More people we work with
See how our CPA and Financial Planner team helps people in situations like yours.