Can the price of gold or silver go down after I buy?

Yes. Gold and silver trade every business day and can fall sharply and stay down for extended periods. If you sell while the market is lower than when you bought — or lower by more than the premium and spread you paid — you will realize a loss. Anyone who tells you otherwise is selling, not explaining.

Does Capstone Metals control or forecast the price?

No. Capstone Metals does not set the spot price, and we make no projection, guarantee, or assurance about future price, resale value, or return. We will never speak to you as if we can see the future, and we cannot be held responsible for a change in the market before, during, or after your transaction.

Do metals pay interest or dividends?

No. Physical metals produce no interest, no dividend, and no income. Their entire return, positive or negative, comes from a change in price. That is a different job than an income-producing asset does, and it is the reason we talk about allocation rather than replacement.

Is past performance any indication of what happens next?

No. Charts of the last five, twenty, or one hundred years — including any chart we publish or any outcome a past client experienced — never guarantee future results. History explains mechanics. It does not predict prices.

How much of my savings should be in metals?

That depends entirely on your income, time horizon, tax situation, debts, and temperament, which is why no honest answer can be given on a website. Most of the families we work with treat metals as one portion of a broader plan, not the whole plan. Discuss the number with your own tax professional and any advisor you trust.

Why do I pay more than the spot price?

Because a finished coin or bar is a product, not a wholesale contract: refining, minting, quality control, packaging, insured freight, authentication, and dealer inventory risk all sit between spot and your hand. Every dealer, mint, and distributor charges a premium. The honest question is whether the premium is reasonable, and ours is disclosed in writing before you commit.

What is the spread, and how does it affect me?

The spread is the difference between what a dealer sells for and what a dealer buys back for. It means metals are generally not a short-term instrument: if you buy and sell quickly at an unchanged spot price, you lose the spread. Products with lower premiums generally carry narrower spreads.

How quickly can I sell?

Common bullion coins and hallmarked bars from recognized mints and refiners are among the most liquid physical assets available, and we will quote a buy-back on anything we sold you. Liquidity still depends on the product, the market at that moment, and delivery logistics; exclusive, proof, and collectible products can be materially harder to resell near their original price.

What fees apply to an IRA or depository arrangement?

Custodian setup and annual fees, depository storage and insurance fees, and any shipping are separate from the product premium and are disclosed to you in writing before anything is signed. We frequently subsidize or waive certain fees, and when we do, we tell you exactly which ones and for how long.

Are there risks in storage and delivery?

Yes. Metals must be stored somewhere, and each option carries trade-offs: home storage carries theft and insurance limitations, and depository storage carries custody, access, and fee considerations. IRA-held metals must be held by an approved custodian and depository — they cannot legally sit in your house.

How do I verify who I am dealing with?

Capstone Metals is a trade name of TB Alternative Assets LLC. Confirm the entity, ask how long the firm has operated, ask who owns it, ask for the written disclosure of premiums and fees, and check independent review and complaint sources. Ask any dealer the same questions — including whether the person you are speaking to is licensed, and for what.

Is anything on this site financial, tax, or legal advice?

No. The guides, articles, and pages on this site are education. Education is not advice, and nothing here is a recommendation to buy or sell any specific asset. Advisory, insurance, entity, and consulting services, when engaged, are provided by appropriately licensed individuals under separate agreements.

What should make me walk away from any dealer?

Pressure to decide today, a refusal to put premiums and fees in writing, scare language about confiscation, promises of guaranteed returns, aggressive pushes toward high-premium exclusive or proof products, and any claim that a price can only go up. If we ever do any of that, hang up on us too.

What about the professionals you introduce me to?

The attorneys, CPAs, insurance licensees, entity specialists, and trading platform affiliates we introduce are independent of TB Alternative Assets LLC. They set their own terms and carry their own licenses, insurance, and responsibility for their own work. Our introduction is not a warranty of their performance and never replaces your own due diligence.

Who makes the final decision?

You do — always, and after as much time as you want. We are happy to walk through numbers line by line, and we are equally happy if you conclude that metals are not right for you. Call (800) 200-9553 and ask us the hardest question you have.

Disclosures

Due diligence and financial risks

Before you request a guide, ask for a quote, or buy a single ounce, read this. It is the part of the conversation most of the industry leaves out: what can go wrong, what nobody can promise you, and how to check us — and anyone else — before you act.

(800) 200-9553 How pricing works

Read this first

Due diligence and financial risks

Price fluctuation and market risk

Metals are a market. Markets move both directions, and no one on either side of a transaction controls them.

Can the price of gold or silver go down after I buy?: Yes. Gold and silver trade every business day and can fall sharply and stay down for extended periods. If you sell while the market is lower than when you bought — or lower by more than the premium and spread you paid — you will realize a loss. Anyone who tells you otherwise is selling, not explaining.
Does Capstone Metals control or forecast the price?: No. Capstone Metals does not set the spot price, and we make no projection, guarantee, or assurance about future price, resale value, or return. We will never speak to you as if we can see the future, and we cannot be held responsible for a change in the market before, during, or after your transaction.
Do metals pay interest or dividends?: No. Physical metals produce no interest, no dividend, and no income. Their entire return, positive or negative, comes from a change in price. That is a different job than an income-producing asset does, and it is the reason we talk about allocation rather than replacement.
Is past performance any indication of what happens next?: No. Charts of the last five, twenty, or one hundred years — including any chart we publish or any outcome a past client experienced — never guarantee future results. History explains mechanics. It does not predict prices.
How much of my savings should be in metals?: That depends entirely on your income, time horizon, tax situation, debts, and temperament, which is why no honest answer can be given on a website. Most of the families we work with treat metals as one portion of a broader plan, not the whole plan. Discuss the number with your own tax professional and any advisor you trust.

Premiums, spreads, and liquidity

Every physical transaction anywhere carries a premium and a spread. Understanding them is most of the protection.

Why do I pay more than the spot price?: Because a finished coin or bar is a product, not a wholesale contract: refining, minting, quality control, packaging, insured freight, authentication, and dealer inventory risk all sit between spot and your hand. Every dealer, mint, and distributor charges a premium. The honest question is whether the premium is reasonable, and ours is disclosed in writing before you commit.
What is the spread, and how does it affect me?: The spread is the difference between what a dealer sells for and what a dealer buys back for. It means metals are generally not a short-term instrument: if you buy and sell quickly at an unchanged spot price, you lose the spread. Products with lower premiums generally carry narrower spreads.
How quickly can I sell?: Common bullion coins and hallmarked bars from recognized mints and refiners are among the most liquid physical assets available, and we will quote a buy-back on anything we sold you. Liquidity still depends on the product, the market at that moment, and delivery logistics; exclusive, proof, and collectible products can be materially harder to resell near their original price.
What fees apply to an IRA or depository arrangement?: Custodian setup and annual fees, depository storage and insurance fees, and any shipping are separate from the product premium and are disclosed to you in writing before anything is signed. We frequently subsidize or waive certain fees, and when we do, we tell you exactly which ones and for how long.
Are there risks in storage and delivery?: Yes. Metals must be stored somewhere, and each option carries trade-offs: home storage carries theft and insurance limitations, and depository storage carries custody, access, and fee considerations. IRA-held metals must be held by an approved custodian and depository — they cannot legally sit in your house.

Vetting us, and deciding for yourself

We would rather you check us carefully than trust us quickly. Here is exactly how to do it.

How do I verify who I am dealing with?: Capstone Metals is a trade name of TB Alternative Assets LLC. Confirm the entity, ask how long the firm has operated, ask who owns it, ask for the written disclosure of premiums and fees, and check independent review and complaint sources. Ask any dealer the same questions — including whether the person you are speaking to is licensed, and for what.
Is anything on this site financial, tax, or legal advice?: No. The guides, articles, and pages on this site are education. Education is not advice, and nothing here is a recommendation to buy or sell any specific asset. Advisory, insurance, entity, and consulting services, when engaged, are provided by appropriately licensed individuals under separate agreements.
What should make me walk away from any dealer?: Pressure to decide today, a refusal to put premiums and fees in writing, scare language about confiscation, promises of guaranteed returns, aggressive pushes toward high-premium exclusive or proof products, and any claim that a price can only go up. If we ever do any of that, hang up on us too.
What about the professionals you introduce me to?: The attorneys, CPAs, insurance licensees, entity specialists, and trading platform affiliates we introduce are independent of TB Alternative Assets LLC. They set their own terms and carry their own licenses, insurance, and responsibility for their own work. Our introduction is not a warranty of their performance and never replaces your own due diligence.
Who makes the final decision?: You do — always, and after as much time as you want. We are happy to walk through numbers line by line, and we are equally happy if you conclude that metals are not right for you. Call (800) 200-9553 and ask us the hardest question you have.

Open the full due-diligence page

Prices, premiums, and what we cannot promise

No one controls the price of gold or silver — not us, not any dealer, not any mint, and not any government. Metals prices move every business day and can move sharply. Capstone Metals makes no promise, guarantee, projection, or assurance about the future price, value, resale value, yield, income, or return of any coin, bar, account, or strategy, and we cannot be held responsible for a change in the market price of any asset before, during, or after your transaction. We are not God, and we will never speak to you as if we can see the future.

Precious metals are speculative. They produce no interest, no dividend, and no income. Their value can fall as well as rise, and it is possible to sell for less than you paid, including after fees and premiums. Past performance — of a metal, a coin, a mint, a chart, or of our own past clients — never guarantees future results.

Every physical metal transaction, everywhere, involves a premium over the spot price, and dealer buy and sell prices include a spread. This is how the physical market works for every dealer, mint, and distributor. Our premiums, spreads, shipping, and any account, custodian, or depository fees are disclosed to you in writing before you commit to anything. If a number is not clear to you, ask us and we will walk through it line by line.

We teach how the process actually works — how custodians, depositories, transfers, spreads, premiums, and titling function — because we believe transparency serves you better than pressure. Education is not advice. Every decision remains yours, and you should discuss your situation with your own tax professional, attorney, and any advisor you trust before you act.

Capstone Metals maintains a network of independent professionals — attorneys, CPAs, insurance licensees, entity formation specialists, trading platform affiliates, and others. We introduce them because we believe they do good work, and we are careful about who we introduce. Those professionals are independent of TB Alternative Assets LLC; they set their own terms, carry their own licenses and insurance, and are responsible for their own work and advice. Our referral is not a warranty of their performance, and it never replaces your own due diligence. You remain responsible for reviewing, questioning, and choosing anyone you engage.

Capstone Metals is a trade name of TB Alternative Assets LLC and is a precious metals dealer. We are not a bank, trust company, custodian, depository, broker-dealer, or clearing firm. Advisory, insurance, entity, and consulting services are provided by appropriately licensed individuals and independent firms, and are separate from metals sales. To the fullest extent permitted by law, our liability in connection with any transaction is limited to the amount you paid us for the item or service at issue, and we are not liable for market losses, lost profits, or indirect or consequential damages.

See also risk disclosures, terms, and the privacy policy.