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, 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 architectural commitments — named refiner provenance, allocated and segregated custody at a named US depository, no numismatic product by specification, two transparent line items in writing in the brief, the exit posture written before the entry — are designed to be testable, not aspirational. The Pricing page names the metal spreads, vaulting rates, and the structure. /standards documents the standing rules. /comparison maps where the Office sits relative to the broader landscape.
The deliverable, specified.
Named on the marketing page. Contracted at intake. Delivered in writing.
- ✓Reviewed 8-section Strategy Brief
The same 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.
- ✓Titled per counsel's direction
Titling is the client's decision with counsel. The Office is not a law firm and does not propose, recommend, or evaluate ownership structures. Once your estate-planning counsel directs the structure, the Office coordinates the depository agreement, account opening, signature authority, and the documentation chain around it.
- ✓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 through to the client without markup). 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?
- That is a decision for your estate-planning attorney. The Office is not a law firm and does not propose, recommend, or evaluate ownership structures. Once your counsel directs the structure, the Office coordinates the depository agreement, account opening, and signature authority around it.
- 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.
- How is the Office different from the firms that advertise nationally?
- The architectural commitments are named in writing and verifiable: refiner provenance on every bar (Argor-Heraeus, MKS PAMP, Valcambi), allocated and segregated US-domestic depository custody, no numismatic product by specification, two transparent line items in pricing, and a written exit posture before entry. The Pricing page names the metal spreads and vaulting rates. /standards documents the standing rules. /comparison maps where the Office sits in the broader landscape, including the segments where the public regulatory record (FTC, SEC, CFTC enforcement actions) sets the structural context.
A reserve your spouse can read and execute.
The reviewed brief is delivered within five business days of intake. The engagement reads from there: a single document a spouse, an executor, and a successor can read in plain language — designed to be read without the household principal in the room.
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.