Imagine this: 15,000 wealth advisers sitting across from clients, casually dropping Bitcoin into retirement portfolios. That's the move a major Wall Street bank might pull by early 2026, managing $3.1 trillion in assets.

Here's the kicker—this isn't about self-directed trading accounts where you're on your own. We're talking actual sit-down portfolio reviews. Your adviser looks you in the eye and suggests parking 2% in IBIT or FBTC. Not crypto gambling. Legitimate allocation strategy.

Run the numbers real quick. If just 10% of their client base agrees to a modest 1% slice? That's $3.1 billion flowing into a handful of spot ETFs. Four products splitting that inflow. The math gets wild fast when institutional gates swing open like this.

Wealth management's playbook is getting rewritten. Bitcoin's no longer the weird asset your nephew won't shut up about—it's becoming the 2% diversifier your suit-wearing adviser recommends between municipal bonds and dividend stocks.