A physical reserve your spouse
can execute without you.
For households moving from wealth-creation to preservation — a single-institutional-depository structure with a named drawdown plan, readable by a non-specialist. Strategic Reserve ($500K–$1M), Private Reserve ($1M–$5M), or Family Reserve (above $5M) — depending on scale.
Wealth-creation is finished; preservation is the next job. The reserve layer in a preservation household is not primarily about growth — it is about structural durability, operational simplicity, and readability by a non-specialist who may have to execute without you present. A directly-titled physical reserve at a single institutional depository, with a drawdown plan named in writing, is the structure that does this best.
The Office writes a reviewed, eight-section Private Reserve Strategy Brief for the preservation situation — allocation band against the broader preservation plan, a single-depository custody architecture selected for simplicity and durability, titling coordinated with the revocable trust already in place, a drawdown plan naming the order of liquidation and the counterparties at each step, and an exit posture a spouse or executor can read in an evening. The full engagement runs end-to-end with transparent metal-spread pricing and vaulting at a single institutional depository, both named in writing in the brief. Delivered within five business days of intake.
The preservation-phase household is precisely the demographic the retail gold-IRA and coin-dealer segment targets most aggressively — celebrity-endorsed cable-television spots, fear-macro newsletters, commissioned phone-room rollover specialists, and numismatic upsell marked up 30–50% over melt. The Federal Trade Commission has prosecuted that pattern at scale. The Office is built for the same client on inverse principles. See the Pricing page for the metal spreads, vaulting rates, and the architectural commitments that make the inversion testable.
The deliverable, specified.
Named on the marketing page. Contracted at intake. Delivered in writing.
- ✓Reviewed 8-section Strategy Brief
The same eight-section architecture, written for the preservation-phase situation — with the custody simplified and the operational path laid out step by step.
- ✓Single institutional depository
One depository, chosen for durability, operational simplicity, and accessibility to the surviving spouse or executor. Allocated and segregated. No multi-depository complexity unless specifically warranted.
- ✓Drawdown plan, named in writing
A plain-language document inside the brief: what to sell first under what conditions, who the initial buyback counterparty is, what the second-opinion sale pathway looks like, and what triggers a re-evaluation. Written to be readable by a non-specialist.
- ✓Coordinated with the revocable trust
Titling proposed to sit within the existing revocable trust (or an alternative structure if the counsel prefers), with the effect on probate, step-up basis, and transfer at death framed explicitly for your attorney’s review.
- ✓Transparent pricing — two line items, brief included
A competitive wholesale spread on the metal (buy and sell, named in writing by format) plus a vaulting rate at the chosen depository (negotiated at company level, passed to the client at a discount to retail). The Strategy Brief, drawdown plan, custody coordination, complete documentation chain, and the first year of review are included with the engagement. No AUM percentage, no separate brief fee, no performance fee.
- ✓Annual review, designed to be read
The annual written review revisits allocation, custody, drawdown plan, insurance, and open questions. Written in plain language so a spouse or adult child can read it alongside the rest of the estate documents.
The exit posture is written before the entry. In preservation, that is not a luxury — it is the point.
What this engagement looks like.
- What happens if my spouse has to manage this alone?
- This is the defining design question for a preservation-tier engagement. Every document the Office produces — the brief, the drawdown plan, the annual review — is written to be readable by a non-specialist. The custody is simplified to a single depository. The counterparties for exit are named. If something happens to you, your spouse opens one file and reads what to do.
- Should the reserve sit in the revocable trust or be titled individually?
- Most preservation-tier engagements title the reserve inside the revocable trust already holding the non-operating assets, so the reserve passes with the rest of the estate under a single instrument. The brief proposes a structure and names the alternatives; the final titling decision is made with your estate-planning attorney.
- Do we want gold only, or gold and silver?
- That is a section of the brief. Gold alone is simpler to custody, simpler to sell, and simpler for a non-specialist to transact. Silver adds optionality at lower unit value but introduces more operational complexity. For most preservation households, the primary weight is in gold; silver is added only when there is a specific reason. The reasoning is on the page.
- What does "drawdown plan" mean in practice?
- A short written document inside the brief: if liquidation is needed, what product is sold first (usually the smallest-lot items for maximum flexibility), who the initial buyback counterparty is, what to do if that counterparty is unavailable, and what pricing to expect under normal versus stressed markets. It is operational, not predictive.
- I’ve been pitched by Rosland, Goldco, or a celebrity-endorsed gold firm. How is the Office different?
- That segment runs a documented mechanism the FTC has been prosecuting: fear-macro lead generation, a sales-rep pivot from bullion into numismatic or "semi-numismatic" coinage marked up 30–50% over melt, and a retiree who discovers the premium only at exit. The Office has elected the inverse commitment: no celebrity endorsement, no paid cable-television media, no commissioned sales, no numismatic product by specification, named refiner sourcing (Argor-Heraeus, MKS PAMP, Valcambi), allocated-and-segregated Brinks custody, and a written exit posture disclosed before entry. The Pricing page names the metal spreads, vaulting rates, and the architectural choices that make the difference testable, not aspirational.
A reserve your spouse can read and execute.
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.