Multi-generational physical reserve.
Readable in a single sitting.
For family-office principals building the reserve layer across three generations — consolidated titling, multi-depository counterparty balance within the US panel (the Utah-based Precious Metals Vault, Brinks, IDS), and a continuity memo that names who calls whom and when. Family Reserve tier (above $5M).
A multi-generational balance sheet does not need more complexity; it needs complexity that is legible. A directly-titled physical precious-metals reserve, held at institutional depositories under storage agreements, is structurally simpler than the exposure layers it sits beneath — and when it is the base, it has to be readable by an executor, a trustee, or the next generation without the family office present.
The Office writes a reviewed, eight-section Private Reserve Strategy Brief for the family situation — allocation band against the broader balance sheet, custody architecture across two institutional depositories in the Office’s US panel for counterparty diversification, titling coordinated with the existing trust instruments, a continuity memo naming the governance around access and drawdown, and the exit posture named in writing. The full engagement runs end-to-end with transparent metal-spread pricing and vaulting at the chosen facilities, both named in writing in the brief. Delivered within five business days of intake.
The deliverable, specified.
Named on the marketing page. Contracted at intake. Delivered in writing.
- ✓Reviewed 8-section Strategy Brief
Situation framing, allocation band, custody architecture, titling, form, implementation, exit posture, open questions — each on the page. Written for the family-office situation at scale.
- ✓Two institutional depositories, balanced for counterparty diversification
A primary and secondary institutional depository — selected from the Office’s US panel (the Utah-based Precious Metals Vault, Brinks, or IDS) — in coordination with the family’s access and counterparty-diversification preferences. Each fully allocated and segregated; both titled to the same family trust.
- ✓Continuity memo
A single-page memo naming the governance of the reserve: who can authorize withdrawal, who has read-only access, what triggers escalation, and what the succession plan is for each role. Drafted as part of the brief.
- ✓Coordinated with your counsel
Titling proposals, estate-plan interactions, and trust-governing-law considerations are framed in the brief for review by your attorney and tax advisor. The Office names the question; your counsel makes the decision.
- ✓Transparent pricing — two line items, brief included
A competitive wholesale spread on the metal (buy and sell, named in writing by format — tighter on Good Delivery formats appropriate to Family Reserve scale) plus a vaulting rate at each chosen facility (negotiated at company level, passed at a discount to retail). The Strategy Brief, governance work, custody coordination, complete documentation chain, and ongoing review are included with the engagement. No AUM percentage, no separate brief fee, no performance fee.
- ✓Semi-annual review at this tier
At the Family Reserve tier, review cadence is semi-annual by default — written, with revisions documented alongside the original sections. Annual for smaller engagements.
A reserve built well takes time, intent, and documentation. At multi-generational scale it also takes legibility.
What this engagement looks like.
- We already have a family office. Where does the Office fit?
- The Office does not replace your family office. It writes and implements the T1 reserve layer specifically — the directly-titled physical precious-metals base — and coordinates with your existing CIO, counsel, and tax advisors on the titling and custody decisions. The rest of the balance sheet remains with the people who run it today.
- Can the reserve be split across multiple depositories?
- Yes. Multi-depository counterparty balance is a section of the brief. The tradeoffs — access during dislocation, fee schedules, operational cadence, and concentration risk at any single depository counterparty — are framed explicitly for each facility in the Office’s US panel (the Utah-based Precious Metals Vault, Brinks, and IDS). Selection is made with client input and counsel.
- How does the continuity memo fit with our existing governance documents?
- The continuity memo is a one-page operational document that sits alongside the trust instrument and the family office’s existing governance. It names authorization paths, access tiers, and escalation triggers for the reserve specifically. It is drafted with the family office and counsel; the Office proposes a structure, the family adopts or modifies it.
- What happens at review?
- Semi-annually at this tier, a written review revisits the allocation band, custody architecture, titling, insurance posture, and exit plan as markets, tax law, and the family’s circumstances evolve. Revisions are documented alongside the original sections rather than replacing them, so the audit trail is intact.
- How is discretion handled?
- Client identities are not disclosed. The Office maintains composite descriptions of the kinds of engagements it takes on, but does not publish named client work in any form. Public materials referencing the firm are reviewed internally before release.
A reserve the next generation can inherit and read.
Begin the intake now. The reviewed brief is delivered in five business days of intake. Every month of delay is a month the foundation of your stack is missing.
The metal is yours — not a fund’s, not a claim on any counterparty.
Reviewed brief delivered in five business days of intake. The engagement structure is named in the brief — you proceed only if both fit your situation.
The Office accepts a small number of new engagements each quarter. Selection is by considered fit, not by pace of inbound.