It takes courage to look wrong early and be right in the long run™
ADRIAN C. SPITTERS
Physical Gold and Silver
Understand How Physical Gold and Silver Fit into Your Overall Wealth.
Decide whether physical gold and silver belong in your reserves and wider wealth plan.
Physical gold and silver are different from a mining stock, exchange-traded fund, or promise from another company. You own the metal itself. That difference affects how it is bought, priced, stored, insured, sold, and passed on.
We help you decide what job the metals would perform, how much may be reasonable, and how ownership and storage fit the rest of your plan.
Nearly four decades of advisory experience. One advisor who understands the whole picture. Independent specialists when needed.
Who We Help
Families seeking a reserve that does not depend on a company or investment manager.
People concerned about banking, currency, debt, or too much reliance on digital financial systems.
Owners of gold or silver who want to review storage, records, insurance, or estate instructions.
Families deciding whether to add, reduce, move, or pass on physical metals.
What We Help You Work Through
Define why you would own gold or silver and what it is meant to protect against.
Choose a reasonable amount within the full family balance sheet.
Understand the price paid, dealer spread, form of metal, and resale process.
Review storage, insurance, access, records, and who knows how to find it.
Plan how it could be sold, moved, or passed on when needed.
Physical Ownership Is Different
A share, fund, or account may follow the price of gold without giving you a specific bar or coin. Physical ownership means the metal itself is identified and held for you or held directly by you.
We make that difference clear because each choice has different costs, risks, and ways to gain access.
Give the Reserve a Clear Job
Gold and silver may be used as long-term savings, a reserve outside the banking system, or part of a plan to reduce reliance on financial markets. They do not produce income and their price can move sharply.
We decide what the metal is meant to do before deciding how much to own.
The Amount Must Fit the Whole Plan
Too little may not change the family's position. Too much may reduce income or leave too little money for other needs. We consider available cash, debt, income, property, investments, business risk, and family goals together.
Storage and Estate Instructions Matter
The family should know what is owned, where it is held, who can gain access, and how it can be valued or sold. Clear records and instructions help prevent the metal from being lost, overlooked, or sold without understanding its purpose.
What a Stronger Position Looks Like
You know why you own physical gold or silver, how much fits the plan, where it is held, and how the family can use or transfer it.
What Happens Next
Start with a confidential conversation. Tell us what you own, what is changing, and where you need greater clarity.
Organize the whole picture. We identify the key facts, gaps, risks, and decisions that need attention.
Set the next steps. We help put the work in the right order and bring in independent specialists when needed.
Continue the Research
Own Your Gold, Not Just a Claim on It - separates identifiable physical ownership from securities and contractual exposure
Gold and Silver Did Not Fail - examines the long-term monetary role of tangible reserves beyond short-term price moves
Gold Is Being Repositioned at the Global Level. Is Canada Ready? - connects institutional accumulation with household balance-sheet questions
Before You Sell Gold or Silver After a Viral Collapse Warning - replaces panic-driven action with purpose, pricing and custody review
Last Asset Standing™ - examines digital dependency and the enduring distinction of physical gold
The Monetary Succession Test™ - tests whether a proposed reserve-currency successor has the capacity and continuity to perform the role
The Five Pillars of Asset Security™ - places physical gold and silver within a complete five-pillar family plan
Owning Assets in Order of Asset Security™ - compares assets by control, counterparty dependence, leverage and access
Explore the complete Reset Report library: Research | Frameworks | White Papers
Related PFC Wealth Solutions
Why Work With Us
We treat physical metals as one part of the full balance sheet. We help define their purpose and coordinate with suitable precious-metals specialists, while keeping storage, access, and family continuity in view.
Adrian C. Spitters, CFP®, FCSI®, CEA, is President and Private Wealth Advisor of PFC Wealth Solutions™ through Performance Financial Consultants Ltd. Since entering financial services in 1987, he has advised business owners, professionals, farmers, retirees and multigenerational families through repeated market, credit and economic cycles. He leads the family's planning and investment architecture, coordinates the appropriate independent professionals and helps ensure that every recommendation serves a defined role within the whole balance sheet. He is co-author of It Starts With Gold™ and co-founder of The Merrick Spitters Reset Report™.
Frequently Asked Questions
Question 1: Is this the same as owning a gold fund?
No. A fund may follow the price of gold. Physical ownership means the metal itself is identified and held for you or by you.
Question 2: Do gold and silver pay income?
No. They do not produce income and their price can move sharply. They need a clear job in the plan.
Question 3: Who should know where the metal is stored?
The family should know what is owned, where it is held, who can gain access, and how it can be valued or sold.
Question 4: What happens after the first conversation?
We organize the facts, name the gaps, and set the next steps in order. You choose whether to continue.
Take the Next Step
If you own or are considering physical gold or silver, we can help decide what role it should play and how it should be held.
If you would rather keep learning first, subscribe for independent analysis on structural risk, ownership, liquidity, markets, succession and continuity. Every subscription includes the weekly Reset Report and a complimentary digital copy of It Starts With Gold™.
PFC Wealth Solutions™
Financial Planning and Insurance Advice
Adrian C. Spitters is a licensed insurance agent and President of Performance Financial Consultants Ltd., the licensed insurance agency through which his insurance business is conducted. PFC Wealth Solutions™ is a trade name of Performance Financial Consultants Ltd.
Information on this website is general and does not constitute financial, investment, insurance, legal or tax advice, or an offer or solicitation.
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Insurance business is submitted and processed through MAX Financial Ltd. and applicable insurers.
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Adrian C. Spitters provides securities advice in his separate capacity as a Dealing Representative of Axcess Capital Advisors Inc. Any discretionary portfolio-management services are provided by independent portfolio managers under separate agreements.
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Direct precious-metals introductions may be made to New World Precious Metals under a separately disclosed referral arrangement.
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