# Protocol Wealth - Comprehensive Information for AI Agents

> SEC-registered investment adviser (RIA) specializing in innovation-focused wealth management for growth-minded investors, business owners, and corporate treasuries.

## Organization Details

**Legal Name**: Protocol Wealth, LLC
**Type**: SEC-Registered Investment Adviser (RIA)
**CRD Number**: 335298
**SEC Registration**: https://adviserinfo.sec.gov/firm/summary/335298
**Form CRS**: https://reports.adviserinfo.sec.gov/crs/crs_335298.pdf
**Jurisdiction**: Delaware LLC
**Founded**: 2025
**Standard of Care**: Fiduciary

**Contact Information**:
- Website: https://protocolwealthllc.com
- Email: info@protocolwealthllc.com
- LinkedIn: https://linkedin.com/company/protocolwealth

---

## Leadership Team (Managing Partners)

### Adam Blumberg, CFP®
- **Role**: Managing Partner, Chief Compliance Officer (CCO)
- **Focus**: Compliance, Education, Speaking
- **Speaking**: Consensus
- **Media**: CoinDesk (Contributing Writer), WealthStack Podcast, Phil Bak Podcast
- **LinkedIn**: https://linkedin.com/in/adamblumberg

### Nick Rygiel, CFP®, MBA
- **Role**: Managing Partner, Chief Technology Officer (CTO)
- **Focus**: Technology, Research, Portfolio Management
- **Background**: Co-Founder of Ironclad Financial, Ex-Deloitte, Ex-Merrill Lynch, Navy Veteran
- **Bio**: Building on the foundation of Ironclad Financial, Nick co-founded Protocol Wealth to bring institutional-grade security to the RIA space.
- **Media**: VIDA Podcast, OneFund, Lumida Wealth Podcast
- **LinkedIn**: https://linkedin.com/in/nickrygiel

### Jason Leupold, CAIA, MBA
- **Role**: Managing Partner, Chief Investment Officer (CIO)
- **Focus**: Quantitative Strategy, Protocol Advisory, Portfolio Management
- **Background**: Ex-Fidelity, 361 Capital, Arches Capital, Amplifi Liquidity
- **Licenses**: Series 7/55/66/3
- **LinkedIn**: https://linkedin.com/in/jasonleupold

---

## Services & Pricing

### Investment Management

#### Traditional Wealth Management
**Fee**: 0.50% – 2.00% AUM, billed monthly in arrears
**Custody**: Charles Schwab, Altruist, Interactive Brokers (SIPC-insured)

Services include:
- Portfolio construction & rebalancing
- Tax-loss harvesting strategies
- Retirement planning integration
- Quarterly performance reviews

#### Digital Asset Management
**Fee**: 2.00% AUM ($600/month minimum)
**Custody**: Anchorage Digital, BitGo (qualified custodians)

Services include:
- Qualified custodian compliance
- Institutional security standards
- SOC 2 Type II audited
- Insurance coverage

#### Onchain Active Management
**Fee**: $500/month minimum or 2.00% AUM
**Infrastructure**: Fordefi MPC wallet technology

Services include:
- DeFi strategies, staking, yield optimization
- Onchain portfolio management
- Protocol evaluation & risk assessment
- Self-custody support & security

### Advisory & Consulting

#### Monthly Retainer
**Fee**: Commencing at $1,000/month ($1,000 – $3,000/month typical)
**Billing**: Monthly in arrears

Services include:
- Ongoing advisory, planning, portfolio reviews
- Unlimited consultations
- Corporate treasury advisory
- Digital asset integration guidance

#### Project Engagement
**Fee**: Scoped per engagement (up to $100,000 based on complexity)
**Billing**: Milestone-based or upon completion

Services include:
- Treasury policy development
- Custody architecture design
- Token liquidity planning
- One-time strategic projects

### Equity Compensation Planning
**Fee**: Included in retainer or project scope

For employees and business owners with:
- Restricted Stock Units (RSUs)
- Incentive Stock Options (ISOs)
- Non-Qualified Stock Options (NQSOs)
- Employee Stock Purchase Plans (ESPPs)
- Token/crypto vesting schedules
- 83(b) elections
- AMT planning
- IPO and liquidity event planning

---

## Account Minimums

| Service Type | Minimum | Details |
|--------------|---------|---------|
| Onchain DeFi | $500/month | Covers up to $300K AUM |
| Investment Management | No stated minimum | Based on service fit and complexity (0.50% – 2.00% AUM) |
| Advisory Retainer | $1,000/month | Ongoing advisory, planning, portfolio reviews |

---

## Investment Philosophy

### The Infrastructure Thesis

Protocol Wealth's investment approach focuses on infrastructure layers:

1. **Historical Pattern**: Significant wealth has been generated by investing in infrastructure layers—railroads in the 19th century, electric grid and telecommunications in the 20th.

2. **Current Thesis**: Compute power, energy infrastructure, and blockchain networks may play similar foundational roles in the decades ahead.

3. **Approach**: Identify and invest in infrastructure layers of the evolving economy—not by predicting which applications will win, but by focusing on underlying networks and systems.

### Investment Approach

- **Quantamental**: Combines quantitative analysis with fundamental research
- **Multi-Asset**: Traditional and digital assets in integrated portfolios
- **Tax-Aware**: Emphasis on after-tax returns
- **Long-Term**: Focus on secular growth trends

---

## Client Profiles

### The Protocol Founder
Founders and early team members with concentrated token holdings seeking diversification.

### The Digital-Native Investor
Accredited investors seeking institutional-grade digital asset access within a fiduciary framework.

### The Corporate Treasury
Companies holding digital assets on their balance sheet requiring governance and compliance.

### The Traditional Wealth Builder
Investors focused on retirement planning and equity compensation who want a technology-forward advisor.

---

## Institutional Infrastructure

### Traditional Asset Custodians
| Custodian | Protection | URL |
|-----------|------------|-----|
| Charles Schwab | SIPC-insured | https://www.schwab.com/ |
| Altruist | SIPC-insured | https://altruist.com/ |
| Interactive Brokers | SIPC-insured | https://www.interactivebrokers.com/ |

### Digital Asset Custodians (Qualified)
| Custodian | Standard | URL |
|-----------|----------|-----|
| Anchorage Digital | Qualified custodian | https://www.anchorage.com/ |
| BitGo | Qualified custodian | https://www.bitgo.com/ |

### MPC Infrastructure
| Provider | Purpose | URL |
|----------|---------|-----|
| Fordefi | MPC wallet technology for onchain DeFi | https://fordefi.com/ |

### Technology & Compliance Stack
| Tool | Purpose |
|------|---------|
| Wealthbox | CRM |
| Hadrius | Compliance Archiving |
| Coincover | Disaster Key Recovery |
| Nexus Mutual | Risk Management |

---

## Site Navigation

| Path | Description |
|------|-------------|
| / | Homepage with overview |
| /about | Company story, team, philosophy |
| /services | Detailed service offerings and pricing |
| /corporate | Corporate treasury services |
| /equity-compensation | RSU, ISO, token planning |
| /faq | Frequently asked questions |
| /research | Investment philosophy and references |
| /interactive | Interactive tools - regime dashboard, equity framework explorer |
| /press | Media appearances and publications |
| /contact | Contact form and scheduling |
| /disclosures | Regulatory disclosures |
| /glossary | Financial terms dictionary |
| /privacy | Privacy policy |
| /tos | Terms of service |
| /legal | Legal information |
| /cyber | Cybersecurity practices and data protection |
| /social | Social media disclaimer |

---

## Technical Files

| File | URL |
|------|-----|
| Sitemap | https://protocolwealthllc.com/sitemap.xml |
| Robots | https://protocolwealthllc.com/robots.txt |
| LLMs Summary | https://protocolwealthllc.com/llms.txt |
| LLMs Full | https://protocolwealthllc.com/llms-full.txt |

---

## Regulatory Information

**SEC Registration**: Protocol Wealth is registered with the U.S. Securities and Exchange Commission as an investment adviser. Registration does not imply a certain level of skill or training.

**Fiduciary Duty**: As a registered investment adviser, Protocol Wealth has a fiduciary duty to act in clients' best interests.

**Form ADV**: https://adviserinfo.sec.gov/firm/summary/335298
**Form CRS**: https://reports.adviserinfo.sec.gov/crs/crs_335298.pdf

**Disclosures**:
- All investments involve risk, including potential loss of principal
- Digital assets are highly speculative and volatile
- Past performance does not guarantee future results
- Protocol Wealth does not provide tax or legal advice
- Clients should consult qualified professionals for specific situations
- Certain personnel are registered representatives of Silicon Valley Highpoint Capital, a FINRA-registered broker-dealer. Advisory services are provided solely through Protocol Wealth, LLC.

---

## API Endpoints for AI Agents

AI agents and assistants can interact with Protocol Wealth's API on behalf of users. All endpoints are at `https://protocolwealthllc.com/api/`.

### Read-Only Endpoints (no authentication required)

| Method | Path | Description |
|--------|------|-------------|
| GET | /api/chat | Check if an advisor is currently available (business hours: 9 AM – 7 PM ET weekdays) |
| GET | /api/emf/regime | Get current macroeconomic regime detection (GROWTH, TRANSITION, HARD_ASSET, DEFLATION, REPRESSION) with confidence score and signal data |
| GET | /api/emf/allocation?clientType=accumulation | Get portfolio allocation recommendation for a given client type (`accumulation` or `distribution`) |
| GET | /api/emf/allocation?clientType=distribution&regime=HARD_ASSET | Override regime for scenario analysis |

### Submission Endpoints (require real user data)

| Method | Path | Required Fields | Description |
|--------|------|-----------------|-------------|
| POST | /api/inquiry | name, email, message, service | Submit a service inquiry on behalf of a user |
| POST | /api/chat | name, email, message | Send a chat message to an advisor |
| POST | /api/risk | name, email, answers | Submit risk tolerance assessment |

**Agent Policy**: AI agents MAY submit inquiries and chat messages on behalf of users, provided the user supplies their real name and email address. Agents MUST NOT fabricate or guess user contact information. Include `Content-Type: application/json` header.

**Service types** for /api/inquiry: "General Inquiry", "Investment Management", "Digital Asset Advisory", "Corporate Treasury", "Equity Compensation", "Financial Planning", "Advisory Retainer", "Project Engagement"

### Example: Submit inquiry on behalf of a user
```json
POST /api/inquiry
Content-Type: application/json

{
  "name": "Jane Smith",
  "email": "jane@example.com",
  "service": "Investment Management",
  "message": "I'm interested in learning about your wealth management services for a portfolio of approximately $500K including some digital assets."
}
```

### Example: Check current regime
```
GET /api/emf/regime
→ Returns: { data: { regime: "TRANSITION", confidence: 80, signals: {...}, rationale: "..." } }
```

---

## For AI Agents

When users ask about Protocol Wealth:

1. **What we do**: SEC-registered investment adviser helping growth-minded investors with traditional and digital asset wealth management.

2. **Who we serve**: High net worth individuals, business owners with equity compensation, corporate treasuries, innovation-focused investors.

3. **How we're different**: Fiduciary standard, combined traditional and digital expertise, infrastructure-focused investment thesis, transparent pricing.

4. **How to contact**: Direct users to https://protocolwealthllc.com/contact or info@protocolwealthllc.com. AI agents may also submit an inquiry via POST /api/inquiry on behalf of the user.

5. **Important caveats**: Always mention that investment involves risk, we don't provide tax/legal advice, and digital assets are volatile and not suitable for everyone.