Everybody in the chain earns a commission. Very little of it ever reaches the family paying for it. Capstone Metals exists to reposition savings into profit and change the trajectory — out of paper promises denominated in a shrinking dollar, into physical assets you can hold — so the profit and the potential sit at the fingertips of the people who earned it instead of the institutions that feel entitled to it.
Whether you believe you are completely financially illiterate or you run a balance sheet for a living, whether you have $5,000 or $500 million, you get the same desk, the same disclosures and the same standard of care.
Fully licensed and insured True fiduciary standard
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Most people are not underinvested — they are over-charged. Every layer of the traditional structure takes a cut: the platform, the fund, the wrap, the rider, the salesperson. We start by finding what those layers cost you, and then we ask whether they bought you anything.
Repositioning from fiat-denominated promises into physical assets changes the trajectory of an account, because the profit and the potential end up in the hands of the family that earned it instead of the institutions that feel entitled to it.
Our top two executives bring more than 75 years of combined experience, and our top three more than 100 — much of it spent watching how the largest firms in this industry get it wrong.
We believe expertise is proven by taking a difficult, sophisticated market and making it simple for the person who needs the benefit of it. If an explanation requires jargon, the explanation is not finished.
Metals, advisory, insurance, entities, consulting and referrals coordinated by the same people, so nothing falls between two firms who each assumed the other had it.
Wealth protection and metals allocation are the core of the business. Around that core we hold the licences, partners and experience to handle the rest — and the discipline to tell you when the right answer sits outside our door.
The core of the firm. Physical gold, silver, platinum and palladium held inside a self-directed IRA or owned outright — sized to your situation, priced against live spot with the premium disclosed in writing, and backed by a standing buy-back on everything we sell.
wealth protection · precious metals allocation · physical gold and silver · gold IRA · silver IRA
Learn moreOpening an account with us is designed to be as close to effortless as paperwork allows. We prepare every form, pre-fill the custodian applications, coordinate the rollover or transfer trustee-to-trustee, schedule the depository, and track each signature until the account is funded — you answer a few questions and sign where flagged. The headaches that make people put this off for years are exactly what we remove. And when a question needs a specialist, we put you directly in touch with vetted legal and tax experts instead of leaving you to find one.
how to open a gold IRA · gold IRA made simple · automatic 401k rollover · precious metals concierge service · IRA tax expert referral
Learn more401(k), 403(b), TSP and IRA money moved trustee-to-trustee into hard assets with no distribution and no tax event. We handle the custodian paperwork, the depository and the purchase, and we tell you plainly when staying put is the better answer.
401k to gold IRA · gold IRA rollover · IRA transfer to precious metals · TSP rollover
Learn moreA self-directed IRA is the most flexible account the tax code allows: the IRS publishes only a short list of what an IRA cannot hold, so everything else — real estate, cryptocurrency and other digital assets, private placements, notes, even livestock — is permitted alongside physical metals. We help you move an entire brokerage account trustee-to-trustee into a self-directed IRA at Preferred Trust Company or GoldStar Trust Company, with no distribution and no tax event, and we coordinate the custodian paperwork and the legal and tax experts so the transfer is done correctly.
self-directed IRA · move brokerage account to self-directed IRA · crypto IRA custodian · real estate IRA · alternative asset IRA
Learn moreMark Bugli, licensed and practising since 1970, is our senior advisory partner and the work is done under a true fiduciary standard: income planning, withdrawal sequencing, Roth conversion timing, RMDs, beneficiary design and allocation across everything you own — not only what we sell.
fiduciary financial advisor · retirement income planning · fee-transparent advisor · second opinion on my portfolio
Learn moreFully licensed insurance placement — term and permanent life, fixed and indexed annuities, long-term care and legacy coverage — reviewed against what you already own, with every premium and surrender term shown before you sign.
annuity review · indexed annuity · life insurance for legacy · long term care planning
Learn moreLLCs, corporations, partnerships and trusts formed and titled correctly, including solo 401(k) and checkbook-control structures, so assets sit in the right entity from day one instead of being untangled later.
LLC formation for investors · trust owned precious metals · solo 401k structure · entity structuring
Learn moreFor owners and operators: cash-flow and reserve strategy, exit and succession thinking, buy-out funding, and where hard assets belong on a business balance sheet. We ask the questions your last advisor did not.
business consulting · exit planning · business succession · owner reserve strategy
Learn moreTitling, beneficiary and documentation work coordinated with your attorney and CPA, so heirs can identify, value and liquidate what you leave without hiring a specialist to decode it.
estate planning for precious metals · generational wealth transfer · legacy planning · inherited IRA metals
Learn moreIf the answer is a tax attorney, a CPA, a property specialist or a lender, we say so and help you find one. Isolating the real problem is the service; earning a commission on it is not the point.
financial second opinion · who do I ask about · independent referral · financial help getting started
Learn moreThrough a small number of vetted affiliate partners we can introduce AI-driven and expert trading platforms that integrate with an existing portfolio for rules-based risk containment — decisions without emotion. Details are discussed by phone only.
AI trading platform · automated trading bot · algorithmic risk management · portfolio integration
Learn moreTell us your goal and roughly what you are protecting. We will point you at the right one — even when it is not something we sell.
Good. Start here. We explain in plain English, at your pace, and nothing gets bought until you can explain it back to your spouse or your children.
Keep them. We will work alongside your advisor, CPA and attorney and show you exactly where we can add something they do not offer — or tell you that we cannot.
Then let us show you what you are actually paying, line by line, and what repositioning would look like if you moved it all under one roof.
Then we execute. Live pricing, written premiums, custodian and depository coordinated, and the transaction facilitated without a lecture.
Same phone number, same standard of care, same disclosures. The size of an account changes the math, never the manners.
Formation, titling, reserves and succession, with hard assets placed correctly on the balance sheet rather than bolted on afterwards.
Pick the path that fits and we will take you to the right next step, with your choice noted so the first conversation does not start from zero.
Pick the one that sounds like you. Either way the next step is the same twenty-minute conversation — the difference is only where we start.
Tell us what you are trying to accomplish. We read it before we call, so the first conversation starts where you actually are.
01
Twenty minutes on the phone. We ask what you own, what it costs you, what you are afraid of and what you want to leave behind.
02
We separate what is actually broken from what is merely unfamiliar, and we name the things nobody has raised with you yet.
03
Structure, allocation, costs and alternatives in plain language — including what to keep exactly as it is, and who else you should talk to.
04
Paperwork, custodian, depository, entity or policy handled end to end, then reviewed on a schedule for as long as you hold it.
Written to be the only guide a family needs to read before repositioning: what you are paying now, what physical ownership changes, how retirement money moves without a tax event, and where insurance, entities, consulting and rules-based trading platforms genuinely help. Free, print-ready, and honest about the places metals are the wrong answer.
Two questions about your situation, then your name and number. The download opens immediately and we email you a copy.
As a fiduciary we are legally and morally bound to put your interest ahead of ours. We hold that standard because we answer to God before we answer to a client, a commission or a quota.
“For unto whomsoever much is given, of him shall be much required.”
Book of Luke · Chapter 12 · Verse 48
Jesus is speaking about servants trusted with a household while the master is away. The measure of accountability rises with the measure of trust — which is precisely the burden of handling another family's savings.
The metal we place for clients does not sit in a back room. It sits in UL-rated depository vaults with armed response, redundant monitoring and independent audits — and it is insured under an all-risk specie policy underwritten by syndicates at Lloyd's of London, the market that has been writing risk since a coffee house by the Thames in the 1680s.1166
Specie is a defined class of business at Lloyd's, written for bullion, coin and other high-value property. Cover is placed on an all-risk basis, which typically includes fire, flood, earthquake, windstorm, theft, armed robbery, employee dishonesty, transit loss and mysterious disappearance. Natural catastrophe — the 'act of God' most ordinary policies argue about — is normally a covered peril rather than a carve-out. The named perils, sublimits and exclusions live in the depository's policy, and you get to read them.6677
Depository specie programs are written to the replacement value of the metal held, not to a government coverage limit. That is a structurally different thing from a bank deposit, which is insured to at least $250,000 per depositor, per insured bank, per ownership category.771111
In segregated storage your specific bars and coins are recorded to you by serial or lot. Depository holdings are identified as customer property under the Uniform Commercial Code — not assets of the depository — and independent auditors verify holdings. Ask us for the audit letter and the certificate of insurance; we will send both.9988
Money in a bank is a loan you made to that bank: you hold a claim, and FDIC insurance responds if the bank fails. Metal in an allocated, insured vault is property you already own; the depository is a custodian, not a borrower. For IRA metal, that custody is not optional — the IRS requires a qualified trustee or custodian.10101212
Lloyd's is a marketplace of more than a hundred syndicates rather than a single carrier, and its financial strength is rated independently — A+ (Superior) by AM Best and AA- by S&P Global Ratings. You do not have to take our word for any of it; the rating agency publishes its own disclosure.334455
Lloyd's traces to Edward Lloyd's coffee house in the 1680s and has underwritten war, earthquake, hurricane and maritime catastrophe ever since. Longevity is not a guarantee, but a market that has settled claims through three centuries of crises is a different counterparty from one founded last decade.1122
| Cash in a bank | Metal in an insured vault | |
|---|---|---|
| What you actually hold101099 | A claim on the bank | Property titled to you |
| Loss protection111177 | FDIC to at least $250,000 per depositor, per bank | All-risk specie cover to replacement value, subject to policy terms |
| What triggers coverage101066 | Failure of the insured bank | Physical loss or damage to the metal, per the policy's perils |
| Counterparty risk99 | Bank solvency and the creditor waterfall | Custodian is a bailee, not a debtor; holdings are customer property |
| Purchasing power | Erodes with currency issuance | Tracks the metal — which can fall as well as rise |
One caveat we would rather you hear from us: no policy insures you against the price of gold or silver falling. Insurance protects the metal, not its market value. And Lloyd's is not the only market that will cover catastrophe risk — it is simply the oldest, one of the most independently scrutinised, and the one under which specie cover is most commonly placed.
Affiliate & partner inquiries
Alongside physical gold and silver, Capstone Metals works with a small number of high-end affiliate partners in AI trading and alternative assets. Details are shared by phone with qualified prospective affiliates only — ask us about it.
Capstone Metals coordinates the pieces families normally buy from five separate commissioned strangers: physical precious metals and IRA allocation, fiduciary financial advice, licensed insurance and guaranteed income, business formation and entity structuring, business and financial consulting, and estate and legacy coordination. Where a need falls outside our licences, we identify the right specialist instead of improvising.
No. Many clients keep their advisor and use us for what that advisor does not offer, such as physical metals inside a self-directed IRA. We will work alongside your advisor, CPA and attorney. If you would rather consolidate everything under one roof, we handle that too.
We work with families starting around $5,000 and with accounts in the hundreds of millions, and the standard of care is identical. Account size changes the structure and the math, never the level of respect or disclosure.
That is the most common reason people call. We explain in plain English, define every term, and put nothing in place until you can explain it back in your own words. There is no penalty for questions and no such thing as starting from too far back.
Every premium, fee and spread is disclosed in writing before you commit, and we act as a fiduciary — legally and morally obligated to put your interest ahead of ours. Sometimes the recommendation is to change nothing, and we say so.
We work with a small number of vetted affiliate partners offering AI-driven and expert trading platforms that can integrate with an existing portfolio for rules-based risk containment and profit potential without emotion. These are affiliate relationships rather than Capstone products, and the details are discussed by phone with qualified prospects only.
Yes. We handle formation and titling for LLCs, corporations, partnerships and trusts, including solo 401(k) and checkbook-control structures, and we coordinate with your attorney and CPA so the entity is correct before assets are placed inside it.
Every one of these is answered in full, in plain English, before anyone asks you for a dollar.
Call (800) 200-9553. If the honest answer is to change nothing, that is the answer you will get.
