One desk instead of five commissioned strangers

The structure of a firm decides what it can do for you. One accountable desk, every fee in writing, the same standard at $5,000 or $500 million.

Open this chapter in the PDF Download the full guide (800) 200-9553

Most families assemble their financial life out of five commissioned strangers who never speak to each other, each taking a percentage and none of them responsible for the whole.

Our people have run and advised some of the largest firms in this industry, and watched them grow too big to help the individual. We intend to stay large enough to command the best pricing and small enough to answer the phone.

That is the entire pitch: one desk, a fiduciary standard, fees disclosed and often reduced or waived, and the same level of care whether you bring five thousand dollars or five hundred million.

What to take from this chapter

Structure determines whose interest gets served.
Fees disclosed in writing, often reduced or waived.
Same standard of care at every account size.

Keep reading

Read the due-diligence and financial-risks FAQ before acting on anything in this chapter.

Get the full 24-page guide

Name and phone number is all we need. You will have Volume Two immediately, and a real person follows up once.

What are you trying to accomplish?

Roughly what are you looking to protect or reposition?

Full name

Phone number

Email (so we can send the guide)

Anything we should know? (optional)

By checking this box, I agree to receive SMS text messages from Capstone Metals at the phone number I provided. I understand that message and data rates may apply, that I can reply STOP to opt out at any time, and that the Privacy Policy and Terms & Conditions are available at https://capstonemetals.com/privacy-policy and https://capstonemetals.com/terms-and-conditions.

By submitting your name and phone number you are asking us to follow up, and you agree that Capstone Metals may contact you by phone, text, or email to clarify what you are looking for and make sure you receive it. Message and data rates may apply. You can ask us to stop at any time by replying STOP or telling us on the phone, and we never sell or share your information. This is a request for information and a conversation — not a purchase, an application, or advice. SMS Opt-In Policy · Privacy Policy · Terms & Conditions · How pricing works · Disclosures · Due diligence & financial risks

Read this first

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.

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.

Read every question and disclosure