Every answer should be plain and written.
Use these questions as a verification checklist. A sound dealer should answer them before asking for commitment, account movement, or a wire.
1. Will you put every cost in writing before I commit?
Why it matters: A written record gives you something to study, share, and compare.
Our answer: Yes. Custodian upkeep, vaulting, product margin, and required charges go into the written breakdown before commitment.
2. What is the exact dealer premium on these products?
Why it matters: The exact margin on each recommended product sets the true cost basis.
Our answer: We state the specific margin on each product, line by line.
3. What are the total yearly costs?
Why it matters: Custodian and storage charges affect long-term ownership.
Our answer: Custodian and vault rates are stated in writing with no surprise recurring charge.
4. Are there charges not in the written breakdown?
Why it matters: Small charges can compound when they are not shown from the start.
Our answer: No. Required setup, wire, handling, storage, and product costs belong in the document.
5. Can I see my specific numbers before capital moves?
Why it matters: Sequence protects choice.
Our answer: Yes. Written breakdown first, review second, decision third, movement of capital last.
6. What happens at each step, and what records do I get?
Why it matters: A clear order tells you where your capital sits and what comes next.
Our answer: Each milestone produces a written record, from funding to vault delivery.
7. If I want time to think, what happens?
Why it matters: Pressure works against sound decisions.
Our answer: Take the time you need. The written breakdown is yours to keep.
8. Can I share this with family or advisors?
Why it matters: Large decisions are rarely made alone.
Our answer: Yes. The document is built to be reviewed and shared.
9. What are the buyback rules?
Why it matters: The bid-ask gap sets the exit number.
Our answer: Exit terms are stated for the specific products before purchase.
10. What will my statement show next to what I paid?
Why it matters: Statements may show spot value rather than total purchase cost.
Our answer: We explain that gap before settlement so it is not a surprise later.
11. How does the dealer premium shape break-even?
Why it matters: The starting margin affects the return timeline.
Our answer: We state the margin and the movement needed to recover it.
12. Why these products for my situation?
Why it matters: Product form should match the client goal, not dealer preference.
Our answer: We compare choices side by side and explain why each fits or does not fit.
13. Are these products IRA-worthy?
Why it matters: IRS purity rules are strict.
Our answer: We verify IRA status and show the purity rules each product meets.
14. What custodian and vault will hold my metals?
Why it matters: Third-party custody should be independently verifiable.
Our answer: We provide the names and details so you can verify them yourself.
15. Will you stand by these answers in writing?
Why it matters: A spoken answer is not enough.
Our answer: Yes. Costs, steps, and exit terms go on paper before you go forward.