15
Jul 2025
Why Gold Makes Financial Advisors Nervous — and What That Means for You
Why Gold Makes Financial Advisors Nervous — and What That Means for You
Let’s face it — you don’t go to your local car dealership to buy a house in your neighborhood. So why do so many people assume that their financial advisor is the end-all-be-all when it comes to stewardship over every penny they have?
Here’s the truth: financial advisors have a vested interest in keeping all of your assets under their umbrella. Why? Because the more you keep inside the system they manage — stocks, bonds, ETFs, mutual funds — the more they get paid. That’s not cynical, it’s just how the model works.
So, what happens when you bring up physical gold or silver? Most advisors will either say “absolutely not,” or try to divert you into a mining stock or ETF. Why? Because that stays under their purview — a fancy word for their area of influence and compensation.
Let me ask you this: when you tell your advisor you’re buying a house, do they tell you not to do it? No, they don’t!!
They know that’s a tangible, real-world asset, and even if it leaves their system, they respect the decision. Gold and silver are no different. They are real assets. Tangible. Biblical. Resilient. And they should be a part of a well-diversified portfolio — especially when you’re planning for the long term.
Why advisors say no to gold and silver:
1. They don’t get paid on it. Physical metals are outside their compensation model.
2. It’s outside their comfort zone. They’re trained in paper assets, not tangible wealth.
3. It shakes the foundation they’re built on. Why would Wall Street warn you about its own cracks?
What the fine print won’t tell you:
You asked — and it’s a brilliant question: “Is everything I’m invested in guaranteed to be paid in dollars?”
Yes — every investment under their umbrella inside your IRA, 401(k), or brokerage account is denominated, priced, and paid out in U.S. dollars.
Ask you advisor … “What happens if the dollar collapses or gets replaced in a currency reset?”
Crickets.
Because the fine print says nothing!
There’s no clause that says your wealth will be protected in another currency. No mention of how your retirement will be preserved if the dollar system fails. No backup plan. And that should concern anyone who’s planning responsibly for the future.
There is no built-in guarantee that your wealth will be preserved — or converted fairly — if the dollar system fails.
And here’s what I want to shout from the rooftops: No backup currency. No inflation protection. No alternative means of settlement.
This isn’t fear-mongering. This is just wisdom.
We’ve seen what happens when currencies collapse. (Argentina, Venezuela, Zimbabwe... ring a bell?) And history tells us it’s the people who held real assets outside the system who preserved their wealth, not the ones who trusted blindly.
What about loyalty to your financial advisor?
I hear this often: “We’ve been friends with our advisor for years.”
And I get it — you care about that relationship. But let me ask you this:
Loyalty is a beautiful thing — but not when it comes at the cost of your family’s financial security.
I’ve talked with families who are genuinely afraid to stand up to their advisors because they’ve known them a long time. But ask yourself — when things get hard, when the dollar weakens, when your savings are threatened — are they going to be there for you? Will they help cover your end-of-life care, help your children, or safeguard your dignity? Or will they be long gone, and the firms they work for too?
So, what should you say to your advisor?
Here are a few conversation starters:
And if they scoff or change the subject? That tells you everything.
Look, I’m not a financial advisor. I’m not trying to be. But I am someone who cares deeply about helping families understand the truth, protect what they’ve built, and be good stewards of the gifts God has given them.
No, gold and silver aren’t magic. They won’t solve all your problems. But they are honest. They are real. And they are time-tested.
So have the conversation. And if you need help asking the right questions or figuring out how to diversify outside the system, you know where to find me.
With you in the fight!
Have a question for a future Ask Becca? Send it my way at info@stjosephpartners.com—I’d love to hear from you!
Here’s to asking good questions, learning something new, and keeping your financial footing solid no matter what surprises the world has in store.
Until next time, Becca
“The prudent see danger and take refuge, but the simple keep going and pay the penalty.” – Proverbs 27:12
Past performance is not indicative of future results.
Let’s face it — you don’t go to your local car dealership to buy a house in your neighborhood. So why do so many people assume that their financial advisor is the end-all-be-all when it comes to stewardship over every penny they have?
Here’s the truth: financial advisors have a vested interest in keeping all of your assets under their umbrella. Why? Because the more you keep inside the system they manage — stocks, bonds, ETFs, mutual funds — the more they get paid. That’s not cynical, it’s just how the model works.
So, what happens when you bring up physical gold or silver? Most advisors will either say “absolutely not,” or try to divert you into a mining stock or ETF. Why? Because that stays under their purview — a fancy word for their area of influence and compensation.
Let me ask you this: when you tell your advisor you’re buying a house, do they tell you not to do it? No, they don’t!!
They know that’s a tangible, real-world asset, and even if it leaves their system, they respect the decision. Gold and silver are no different. They are real assets. Tangible. Biblical. Resilient. And they should be a part of a well-diversified portfolio — especially when you’re planning for the long term.
Why advisors say no to gold and silver:
1. They don’t get paid on it. Physical metals are outside their compensation model.
2. It’s outside their comfort zone. They’re trained in paper assets, not tangible wealth.
3. It shakes the foundation they’re built on. Why would Wall Street warn you about its own cracks?
What the fine print won’t tell you:
You asked — and it’s a brilliant question: “Is everything I’m invested in guaranteed to be paid in dollars?”
Yes — every investment under their umbrella inside your IRA, 401(k), or brokerage account is denominated, priced, and paid out in U.S. dollars.
Ask you advisor … “What happens if the dollar collapses or gets replaced in a currency reset?”
Crickets.
Because the fine print says nothing!
There’s no clause that says your wealth will be protected in another currency. No mention of how your retirement will be preserved if the dollar system fails. No backup plan. And that should concern anyone who’s planning responsibly for the future.
There is no built-in guarantee that your wealth will be preserved — or converted fairly — if the dollar system fails.
And here’s what I want to shout from the rooftops: No backup currency. No inflation protection. No alternative means of settlement.
This isn’t fear-mongering. This is just wisdom.
We’ve seen what happens when currencies collapse. (Argentina, Venezuela, Zimbabwe... ring a bell?) And history tells us it’s the people who held real assets outside the system who preserved their wealth, not the ones who trusted blindly.
What about loyalty to your financial advisor?
I hear this often: “We’ve been friends with our advisor for years.”
And I get it — you care about that relationship. But let me ask you this:
- Do you think your financial advisor will help pay your medical bills in retirement?
- Will they cover your long-term care or help your children if the dollar collapses?
Loyalty is a beautiful thing — but not when it comes at the cost of your family’s financial security.
I’ve talked with families who are genuinely afraid to stand up to their advisors because they’ve known them a long time. But ask yourself — when things get hard, when the dollar weakens, when your savings are threatened — are they going to be there for you? Will they help cover your end-of-life care, help your children, or safeguard your dignity? Or will they be long gone, and the firms they work for too?
So, what should you say to your advisor?
Here are a few conversation starters:
- “What percentage of my portfolio do you think should be in hard assets, like physical gold or silver — not ETFs?”
- “What does my portfolio look like if the dollar loses reserve status or undergoes a digital transformation?”
- “If my IRA is 100% exposed to fiat currency, isn’t it wise to offset that risk with something real?”
And if they scoff or change the subject? That tells you everything.
Look, I’m not a financial advisor. I’m not trying to be. But I am someone who cares deeply about helping families understand the truth, protect what they’ve built, and be good stewards of the gifts God has given them.
No, gold and silver aren’t magic. They won’t solve all your problems. But they are honest. They are real. And they are time-tested.
So have the conversation. And if you need help asking the right questions or figuring out how to diversify outside the system, you know where to find me.
With you in the fight!
Have a question for a future Ask Becca? Send it my way at info@stjosephpartners.com—I’d love to hear from you!
Here’s to asking good questions, learning something new, and keeping your financial footing solid no matter what surprises the world has in store.
Until next time, Becca
“The prudent see danger and take refuge, but the simple keep going and pay the penalty.” – Proverbs 27:12
Past performance is not indicative of future results.
