All-In-One Wealth Protection Guide, Volume Two
What you didn't know you need to know about money, gold and silver
A twenty dollar gold piece from 1926 still buys a good suit. The twenty dollar bill printed beside it buys lunch. Volume Two is twenty-four pages on why that happened, what is happening to silver right now, and what an ordinary family can actually do about it.
24 pages · print resolution · Monday – Friday, 7am – 4pm Pacific
Before you decide anything, read the due-diligence and financial-risks FAQ.
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Tell us what you are trying to protect. We read it before we call, so the first conversation starts where you actually are.
Sixteen chapters
Open any chapter on the site, or jump straight to that page of the PDF.
Chapter 1 · PDF page 4
The twenty dollars that stayed twenty dollars
Two identical twenty-dollar claims, a hundred years apart: one held its purchasing power, the other kept its number and lost its meaning.
Chapter 2 · PDF page 5
Debasement, in words your grandmother would use
Debased is the historical word. Diluted is the honest one — and dilution is a transfer from savers to whoever spends the new money first.
Chapter 3 · PDF page 6
My people are destroyed for lack of knowledge
Families are not ruined by bad luck nearly as often as by never being shown how the system actually works.
Chapter 4 · PDF page 7
Gold is hoarded. Silver is consumed.
Almost every ounce of gold ever mined still exists. A great deal of the silver does not — it was used, dispersed and never recovered.
Chapter 5 · PDF page 8
The structural deficit nobody put on the news
For several consecutive years the world has used more silver than it produced, and the shortfall comes out of existing stock.
Chapter 6 · PDF page 9
Solar, defense and now artificial intelligence
Solar took the first bite, defense takes a steady one, and AI hardware arrived as a demand source that barely existed two years ago.
Chapter 7 · PDF page 10
When four governments call the same metal strategic
Government classification language is a leading indicator, and several major governments have moved silver into the strategic column.
Chapter 8 · PDF page 11
Paper ounces and real ounces are not the same thing
Most people who believe they own silver own a claim on silver, and claims can be created far faster than metal can be mined.
Chapter 9 · PDF page 12
Delivery is where the story ends
Paper markets are tested at the delivery window — the moment somebody asks for metal instead of a settlement price.
Chapter 10 · PDF page 13
The rails are being rebuilt underneath you
Settlement is moving onto new rails. The plumbing is changing faster than most households realize, and the rules are being written now.
Chapter 11 · PDF page 14
Why the largest investors are sitting in cash
Watch what large, disciplined investors do rather than what commentators say. Record cash balances are a statement about price.
Chapter 12 · PDF page 15
Wheelbarrows: what debasement looked like last time
The wheelbarrow photographs are documentation, not folklore — and the households that came through owned things, not claims.
Chapter 13 · PDF page 16
Turning a paper balance sheet into a real one
A practical framework for moving a portion of savings from claims on other people into assets nobody has to honor.
Chapter 14 · PDF page 17
Gold, silver, platinum — what each one is actually for
Gold anchors, silver carries the industrial asymmetry, platinum is the scarce specialist. Roles first, then sizing.
Chapter 15 · PDF page 18
What to own, and what to refuse
Widely recognized bullion at the lowest honest premium — and the pitches that should end a phone call immediately.
Chapter 16 · PDF page 19
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.
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Questions about the guide
- Is the Volume Two wealth protection guide really free?
- Yes. Volume Two is a free 24-page PDF. We ask for a name and phone number so a real person can follow up and answer questions, and you can tell us to stop at any time. Requesting the guide is not a purchase, an application, or advice.
- How is Volume Two different from the first Wealth Protection Guide?
- Volume One explains the mechanics of owning metals: IRAs, rollovers, custodians, depositories, fees and liquidation. Volume Two explains the why — dollar debasement, the silver structural deficit, industrial and AI demand, paper versus physical ounces, and how a single fiduciary desk replaces five commissioned strangers.
- Does the guide predict gold or silver prices?
- No. Nobody controls or can forecast the metals market, and we will never speak as if we can. The guide describes supply, demand and monetary mechanics, and states plainly that prices can fall as well as rise.
- Do I have to buy anything to read it?
- No. Most people who download it never buy metal from us, and that is fine. The guide is written to be useful on its own.
- Can I read the guide without downloading a file?
- Yes. The full guide is embedded on this page in an interactive reader with a chapter list, so you can jump straight to any of the sixteen chapters in your browser.
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.
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.
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