Houston runs on energy. Oil, Gas, petrochemicals. The money flows from there into everything else.
The metro has 2.8 million households. Median income sits at $82,000. About 12% of households earn over $200k, which means roughly 336,000 households at that level.
Energy wealth is boom and bust. People who’ve lived through cycles understand hedging and Diversification instinctively. That mindset has pushed some Houston money toward crypto.
Energy Wealth Meets Digital Assets #
Crypto ownership in Houston runs around the national average, maybe slightly below. The city isn’t a tech hub. The culture is practical and industry-focused.
But there’s a specific type of Houston investor who’s drawn to crypto: the person who’s already comfortable with Volatility.
If you’ve spent your career in energy, you know what it’s like to watch asset values swing wildly based on global events you can’t control. You know about hedging. You understand that Diversification means owning things that don’t move together.
Bitcoin, for some Houston investors, makes sense as an uncorrelated asset. It’s one piece of a broader strategy, not a replacement for traditional investments.
About 155,000 households earning over $200k in Houston have no advisor. Some of them hold crypto as part of their self-managed portfolios.
The Problem with Self-Managing Crypto #
Energy people are used to making big decisions independently. That confidence serves them well in business. For crypto, it can lead to blind spots.
The tax treatment of digital assets is nothing like oil and Gas investments. Every trade creates a taxable event. Staking rewards get taxed as ordinary income. If you’ve been using DeFi protocols, you’ve triggered tax obligations you might not even be aware of.
Texas has no state income tax, which is great. But federal crypto taxes can still surprise you if you’re not tracking things properly. And the IRS is paying more attention every year.
Then there’s the Custody question. Holding crypto yourself means being responsible for security. Hardware wallets, seed phrases, operational security. One mistake and assets can be lost permanently. What happens if something happens to you? Does your family know how to access your holdings?
Self-management only works if you’re actually managing all of it.
Finding a Digital Asset Wealth Advisor #
Houston is Spread out. Commuting to meet an advisor is already a hassle. For crypto-specific advice, there’s no reason to limit yourself geographically.
The advisors who specialize in digital assets work remotely. They serve clients nationally because crypto holders exist everywhere. They’ve built secure systems for video calls, document sharing, and ongoing communication.
This model fits Houston well. You’re already used to business relationships that span time zones. You understand that expertise matters more than physical proximity.
What to look for in a crypto advisor:
- Can they track cost basis across multiple exchanges and wallets?
- Do they understand how to integrate crypto with your other assets?
- What’s their approach to Custody and security?
- Can they help with Estate Planning for digital assets?
Getting Help with Crypto Custody and Wealth Planning #
Digital Wealth Partners specializes in crypto holders and works entirely remotely. If you’re in Houston with digital assets as part of your Portfolio, they’re worth a conversation. Learn more at digitalwealthpartners.net.
The 155,000 unadvised high-income households here include people who’ve successfully managed complex portfolios for years. Crypto adds new variables. New complexity. Whether that means you need help is worth thinking through.
