{"id":66624,"date":"2026-01-07T05:16:46","date_gmt":"2026-01-07T05:16:46","guid":{"rendered":"https:\/\/dogewisperer.com\/?p=66624"},"modified":"2026-01-07T05:16:46","modified_gmt":"2026-01-07T05:16:46","slug":"bank-of-america-advisers-can-now-recommend-bitcoin-etfs","status":"publish","type":"post","link":"https:\/\/dogewisperer.com\/?p=66624","title":{"rendered":"Bank of America Advisers Can Now Recommend Bitcoin ETFs"},"content":{"rendered":"<div>\n<p><span data-preserver-spaces=\"true\">Bank of America is opening the door for its financial advisers to bring up Bitcoin with clients, something they couldn\u2019t do freely before. Starting January 5, 2026, advisers at Merrill, Merrill Edge, and the Bank of America Private Bank can now recommend spot Bitcoin ETFs to eligible clients. The difference is that <\/span><span data-preserver-spaces=\"true\">they<\/span><span data-preserver-spaces=\"true\"> don\u2019t have to wait for the client to bring it up first.<\/span><\/p>\n<h2><span data-preserver-spaces=\"true\">Advisers Now Free to Raise Bitcoin as a Topic<\/span><\/h2>\n<p><span data-preserver-spaces=\"true\">Previously, <\/span><span data-preserver-spaces=\"true\">crypto was only discussed<\/span><span data-preserver-spaces=\"true\"> if a client asked. That\u2019s changed. Now, advisers are allowed to suggest Bitcoin exposure as part of broader portfolio planning. They\u2019re not pointing clients toward risky, unregulated assets either. <\/span><\/p>\n<blockquote class=\"twitter-tweet\" data-width=\"500\" data-dnt=\"true\">\n<p lang=\"en\" dir=\"ltr\">JUST IN: <img decoding=\"async\" src=\"https:\/\/s.w.org\/images\/core\/emoji\/17.0.2\/72x72\/1f1fa-1f1f8.png\" alt=\"\ud83c\uddfa\ud83c\uddf8\" class=\"wp-smiley\" style=\"height: 1em; max-height: 1em;\"> Bank of America officially begins recommending that clients invest up to 4% of their portfolio in Bitcoin and crypto. <a href=\"https:\/\/t.co\/SGZBxnwHKn\" rel=\"nofollow\" target=\"_blank\">pic.twitter.com\/SGZBxnwHKn<\/a><\/p>\n<p>\u2014 Watcher.Guru (@WatcherGuru) <a href=\"https:\/\/twitter.com\/WatcherGuru\/status\/2008081429104939143?ref_src=twsrc%5Etfw\" rel=\"nofollow\" target=\"_blank\">January 5, 2026<\/a><\/p>\n<\/blockquote>\n<p><script async src=\"https:\/\/platform.twitter.com\/widgets.js\" charset=\"utf-8\"><\/script><\/p>\n<p><span data-preserver-spaces=\"true\">The bank has signed off on four <\/span><span data-preserver-spaces=\"true\">major<\/span><span data-preserver-spaces=\"true\"> spot Bitcoin ETFs from BlackRock, Grayscale, Fidelity, and Bitwise. <\/span><span data-preserver-spaces=\"true\">These are well-known names, and <\/span><span data-preserver-spaces=\"true\">the<\/span><span data-preserver-spaces=\"true\"> products <\/span><span data-preserver-spaces=\"true\">themselves<\/span><span data-preserver-spaces=\"true\"> are listed and regulated, <\/span><span data-preserver-spaces=\"true\">which makes<\/span><span data-preserver-spaces=\"true\"> them easier to plug into traditional investing conversations.<\/span><\/p>\n<p><span data-preserver-spaces=\"true\">With more than 15,000 advisers across its wealth units, Bank of America flipping this switch gives <\/span><span data-preserver-spaces=\"true\">advisers<\/span><span data-preserver-spaces=\"true\"> the green light to proactively <\/span><span data-preserver-spaces=\"true\">talk about<\/span><span data-preserver-spaces=\"true\"> Bitcoin like they would <\/span><span data-preserver-spaces=\"true\">with<\/span><span data-preserver-spaces=\"true\"> any other asset class.<\/span><span data-preserver-spaces=\"true\"> That\u2019s a <\/span><span data-preserver-spaces=\"true\">big<\/span><span data-preserver-spaces=\"true\"> shift in tone from previous years, where crypto often sat on the sidelines of formal financial advice.<\/span><\/p>\n<p><strong>DISCOVER: <a class=\"general-link\" href=\"https:\/\/99bitcoins.com\/cryptocurrency\/high-risk-high-reward-crypto\/\" target=\"_blank\" rel=\"nofollow noopener sponsored\">9+ Best High-Risk, High-Reward Crypto to Buy in January2026<\/a><\/strong><\/p>\n<h2><span data-preserver-spaces=\"true\">Suggested Allocation Range Stays Conservative<\/span><\/h2>\n<p><span data-preserver-spaces=\"true\">The move doesn\u2019t mean advisers are suddenly turning into crypto evangelists. <\/span><span data-preserver-spaces=\"true\">The bank\u2019s chief investment office recommends <\/span><span data-preserver-spaces=\"true\">a Bitcoin allocation of just<\/span><span data-preserver-spaces=\"true\"> 1 to 4 percent of a client\u2019s total portfolio.<\/span> <span data-preserver-spaces=\"true\">That might sound small, but for <\/span><span data-preserver-spaces=\"true\">high-net-worth<\/span><span data-preserver-spaces=\"true\"> clients, even a few percentage points <\/span><span data-preserver-spaces=\"true\">represent<\/span><span data-preserver-spaces=\"true\"> real money.<\/span><\/p>\n<p><span data-preserver-spaces=\"true\">The idea here is to allow some exposure without risking too much. Bitcoin remains volatile, and the bank is leaning into that reality. Rather than <\/span><span data-preserver-spaces=\"true\">overselling<\/span><span data-preserver-spaces=\"true\"> the upside, they\u2019re giving advisers a risk-conscious framework that helps clients get exposure while keeping the core of their portfolio stable. The allocation range is flexible <\/span><span data-preserver-spaces=\"true\">too<\/span><span data-preserver-spaces=\"true\">, so it\u2019s not a one-size-fits-all setup. Each recommendation depends on the client\u2019s risk tolerance, goals, and overall financial situation.<\/span><\/p>\n<h2><span data-preserver-spaces=\"true\">Behind the Scenes, There\u2019s Training and Support<\/span><\/h2>\n<p><span data-preserver-spaces=\"true\">This<\/span><span data-preserver-spaces=\"true\"> isn\u2019t a free-for-all. Bank of America has prepared training resources and research tools to help advisers understand what they\u2019re recommending. <\/span><span data-preserver-spaces=\"true\">They\u2019re expected<\/span><span data-preserver-spaces=\"true\"> to explain how spot ETFs work, how Bitcoin fits into a portfolio, and how to evaluate whether it\u2019s a good match for a specific client.<\/span><\/p>\n<div class=\"chart crypto-chart-instance\" id=\"crypto_chart_695de90ce8da6\" data-coin-id=\"eth\">\n<div class=\"chart__header\">\n<div class=\"chart__info\">\n<div class=\"chart__info-icon\">\n\t\t\t\t<img id=\"crypto_chart_695de90ce8da6-chart__info-icon-img\"><\/p>\n<div class=\"chart__info-name\" id=\"crypto_chart_695de90ce8da6-chart__info-name\"><\/div>\n<div class=\"chart__info-symbol\" id=\"crypto_chart_695de90ce8da6-chart__info-symbol\"><\/div>\n<\/p><\/div>\n<div class=\"chart__info-current\">\n<div class=\"chart__info-price\" id=\"crypto_chart_695de90ce8da6-chart__info-price\"><\/div>\n<div class=\"chart__info-change\" id=\"crypto_chart_695de90ce8da6-chart__info-change\"><\/div>\n<\/p><\/div>\n<div class=\"chart__info-extra\">\n<div class=\"chart__info-label\">Market Cap<\/div>\n<div class=\"chart__info-marketcap\" id=\"crypto_chart_695de90ce8da6-chart__info-marketcap\"><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"chart__controls\">\n<div class=\"chart__controls-group\">\n\t\t\t\t<button class=\"chart__button chart__button--24h\" id=\"crypto_chart_695de90ce8da6-btn-24h\">24h<\/button><br \/>\n\t\t\t\t<button class=\"chart__button chart__button--7d\" id=\"crypto_chart_695de90ce8da6-btn-7d\">7d<\/button><br \/>\n\t\t\t\t<button class=\"chart__button chart__button--30d\" id=\"crypto_chart_695de90ce8da6-btn-30d\">30d<\/button><br \/>\n\t\t\t\t<button class=\"chart__button chart__button--1y\" id=\"crypto_chart_695de90ce8da6-btn-1y\">1y<\/button><br \/>\n\t\t\t\t<button class=\"chart__button chart__button--all-time\" id=\"crypto_chart_695de90ce8da6-btn-all-time\">All Time<\/button>\n\t\t\t<\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"chart__container\">\n\t\t<canvas class=\"chart__canvas\" id=\"crypto_chart_695de90ce8da6-cryptoChart\"><\/canvas>\n\t<\/div>\n<\/div>\n<p><span data-preserver-spaces=\"true\">The support comes directly from the chief investment office, which ensures that discussions stay grounded in actual guidance, not hype. Advisers now have the materials they need to walk clients through the benefits and the risks without making things overly complicated or vague.<\/span><\/p>\n<p><strong>DISCOVER: <a class=\"general-link\" href=\"https:\/\/99bitcoins.com\/cryptocurrency\/next-1000x-crypto\/\" target=\"_blank\" rel=\"nofollow noopener sponsored\">Next 1000X Crypto: 10+ Crypto Tokens That Can Hit 1000x in 2026<\/a><\/strong><\/p>\n<h2><span data-preserver-spaces=\"true\">This<\/span><span data-preserver-spaces=\"true\"> Opens the Door to a New Kind of <\/span><span data-preserver-spaces=\"true\">Discussion<\/span><\/h2>\n<p><span data-preserver-spaces=\"true\">For clients, this update means Bitcoin isn\u2019t some fringe asset they have to research on their own. It can now be part of <\/span><span data-preserver-spaces=\"true\">a real<\/span><span data-preserver-spaces=\"true\"> conversation with their adviser, just like stocks or mutual funds. <\/span><span data-preserver-spaces=\"true\">That <\/span><span data-preserver-spaces=\"true\">takes away<\/span><span data-preserver-spaces=\"true\"> a <\/span><span data-preserver-spaces=\"true\">big<\/span><span data-preserver-spaces=\"true\"> barrier for clients who may have been curious but unsure how to approach crypto smartly<\/span><span data-preserver-spaces=\"true\">.<\/span><\/p>\n<p><span data-preserver-spaces=\"true\">This change doesn\u2019t happen in isolation either. Other big banks have <\/span><span data-preserver-spaces=\"true\">started to take<\/span><span data-preserver-spaces=\"true\"> similar steps, but Bank of America\u2019s scale makes this one especially important. Bitcoin is getting woven into the fabric of formal financial planning, not as a trendy side topic, but as something that belongs in the mix for <\/span><span data-preserver-spaces=\"true\">certain<\/span><span data-preserver-spaces=\"true\"> clients.<\/span><\/p>\n<p><span data-preserver-spaces=\"true\">Whether other digital assets <\/span><span data-preserver-spaces=\"true\">like<\/span><span data-preserver-spaces=\"true\"> Ethereum follow this path <\/span><span data-preserver-spaces=\"true\">is still<\/span><span data-preserver-spaces=\"true\"> unclear.<\/span><span data-preserver-spaces=\"true\"> For now, though, Bitcoin is leading the way, and how these new conversations unfold in 2026 will say a lot about where crypto fits in the world of long-term investing.<\/span><\/p>\n<p><strong><span data-preserver-spaces=\"true\">DISCOVER:\u00a0<\/span><a class=\"general-link\" href=\"https:\/\/99bitcoins.com\/cryptocurrency\/next-crypto-to-explode\/\" target=\"_blank\" rel=\"nofollow noopener sponsored\"><span data-preserver-spaces=\"true\">20+ Next Crypto to Explode in 2025\u00a0<\/span><\/a><\/strong><\/p>\n<p><strong><span data-preserver-spaces=\"true\">Follow\u00a0<\/span><a class=\"general-link\" href=\"https:\/\/x.com\/99BitcoinsHQ\" target=\"_blank\" rel=\"nofollow noopener\"><span data-preserver-spaces=\"true\">99Bitcoins on X<\/span><\/a><span data-preserver-spaces=\"true\"> for the Latest Market Updates and\u00a0<\/span><a class=\"general-link\" href=\"https:\/\/www.youtube.com\/@99bitcoins\" target=\"_blank\" rel=\"nofollow noopener\"><span data-preserver-spaces=\"true\">Subscribe on YouTube<\/span><\/a><span data-preserver-spaces=\"true\"> for Daily Expert Market <\/span><span data-preserver-spaces=\"true\">Analysis<\/span><span data-preserver-spaces=\"true\">\u00a0\u00a0<\/span><\/strong><\/p>\n<p>The post <a href=\"https:\/\/99bitcoins.com\/news\/bitcoin-btc\/bank-of-america-advisers-can-now-recommend-bitcoin-etfs\/\">Bank of America Advisers Can Now Recommend Bitcoin ETFs<\/a> appeared first on <a href=\"https:\/\/99bitcoins.com\/\">99Bitcoins<\/a>.<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Bank of America is opening the door for its financial advisers to bring up Bitcoin with clients, something they couldn\u2019t do freely before. Starting January 5, 2026, advisers at Merrill, Merrill Edge, and the Bank of America Private Bank can now recommend spot Bitcoin ETFs to eligible clients. The difference is that they don\u2019t have [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"iawp_total_views":0,"footnotes":""},"categories":[2],"tags":[3,4,5],"class_list":["post-66624","post","type-post","status-publish","format-standard","hentry","category-news","tag-crypto","tag-doge","tag-news"],"_links":{"self":[{"href":"https:\/\/dogewisperer.com\/index.php?rest_route=\/wp\/v2\/posts\/66624","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/dogewisperer.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/dogewisperer.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/dogewisperer.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/dogewisperer.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=66624"}],"version-history":[{"count":0,"href":"https:\/\/dogewisperer.com\/index.php?rest_route=\/wp\/v2\/posts\/66624\/revisions"}],"wp:attachment":[{"href":"https:\/\/dogewisperer.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=66624"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/dogewisperer.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=66624"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/dogewisperer.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=66624"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}