US GOLD AND SILVER ADVISORS - InsuranceWebXinsurancewebx.com/wp...USGA-Whitepaper-04.06.2015.pdf · Why Buy Gold and Silver From US Gold And Silver Advisors US Gold And Silver Advisors

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Virtue Advisors | 22 Century Blvd., Suite 450 | Nashvi l le, TN 37214www.virtueadvisors.com | 855.907.4275

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2 0 1 5 P R E C I O U S M E T A L S W H I T E P A P E R

V I R T U E C A P I T A L M A N A G E M E N T P A R T N E R S W I T H U S G O L D & S I L V E R A D V I S O R S

US GOLD AND SILVER ADVISORS





T H E 2 0 1 5 P R E C I O U S M E T A L S W H I T E P A P E R

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Why Buy Gold and Silver From US Gold And Silver AdvisorsUS Gold And Silver Advisors (USGSA) is one of the most trusted gold and silver dealers. US Gold And Silver Advisors deal with a vast network of financial advisors throughout the country, that specialize in gold and silver, annuities, 401k’s, as well as stocks and bonds. Gold and silver gives each client true diversification to provide asset protection in your portfolio. Our large volume, through our financial advisor network, allows us to pass along savings that is simply unmatched by smaller dealers. Our expert knowledge of gold and silver coins is backed by years of experience.

US Gold And Silver Advisors is a family owned and operated business that is affiliated with Minnesota Benefit Advisors for over 19 years. We all know that credibility and references are extremely important in any market. We are members of the Better Business Bureau (BBB), the American Numismatic Association (ANA), and the Industry Council For Tangible Assets (ICTA). All of which have flawless ratings.

Diversify Your Portfolio With Gold and SilverGold has been used as money and a store of value for over 6000 years. Gold also is viewed as wealth insurance protection. It is the most liquid monetary asset in the world. Gold coins are acknowledged and accepted throughout the world and they can easily be stored, hidden or transported. For this reason owning physical gold represents financial freedom, privacy and safety.

As there are numerous reasons to buy gold, silver may have even more upside potential. Silver like gold has been used as money for centuries. But unlike gold, silver has more industrial uses and the supply of silver is being depleted quickly!

Today an enormous shortfall is developing in silver. Available supplies of silver have been shrinking steadily over the past decade as many of the silver mines closed due to depressed prices. However, global demand has surged as low prices make silver more attractive to manufacturers and investors.

The top Wall Street brokers for decades have talked about the need to diversify your portfolio. “Don’t put all of your eggs in the same basket.” This of course makes complete common sense, but Wall Street is in reality missing one key element – physical gold and silver coins.

Special points of interest:

• Why Buy Gold and Silver From US Gold And Silver Advisors?

• Diversify Your Portfolio With Gold and Silver

• When Will America Wake Up?

• FAQ’s

• U.S. Silver Dollar Coins

• American Silver Eagle Coins

• Communist China is Encouraging its People to Buy Gold and Silver!

• Physical Gold and Silver Shortage Now Reaching Extremes

• Why Should I Consider Owning Gold Coins?

• U.S. Gold Coins

• Semi-Numismatic European Gold Coins

• S&P 500 VS Gold






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When Will America Wake Up?Think of owning silver as wealth protection. As the debt crisis in Greece, Ireland, Italy, Spain and most of Europe accelerates, the price of silver and gold will most likely continue to be driven up. Investors all over the world are looking for a safe haven to park their assets. Do you feel comfortable on the stock roller coaster? How about buying CD’s? At returns less than 1%, that is almost worse than sticking your money under your mattress! We view CD’s as “going broke safely.”

If you factor in inflation at the “official” government stats, you’re looking at 3 to 6%. According to John Williams of Shadow Stats, inflation today is at 11% and will be at 14% year end. So even with the conservative inflation numbers, you will could broke by playing it safe. Your investments won’t keep up with inflation. One of the only ways to keep up with inflation is by owning physical silver and gold.

Silver has had a spectacular run. With all of the global uncertainty the best is probably yet to come. As Wall Street says, “Don’t put all of your eggs in one basket”. So diversify your portfolio today and buy some silver. A proper position in silver dollars gives you the peace of mind that your portfolio is insured against uncertain times. Silver and gold today is still a great bargain! When America “wakes up” the supply of silver and gold coins could become scarce and expensive, as it has already begun. There has never been a better time than today to buy physical silver and gold coins for protection, privacy and to maintain buying power.

FAQ’sDo I take possession of my gold and silver?Generally, yes you will take full possession of your metals.

We advise all clients to take possession to have it for liquidity. The saying of possession is 9/10 of the law is correct here. The only situation that you would not have your metals is when you have a precious metals IRA.

How long should I hold my metals?We typically recommend that you should hold your metals 3 to 5 years. The outlook of the 3 to 5 year plan with current market fundamentals looks very promising, although we cannot guarantee returns on investments. With all of the quantitative easing, European and U.S. debt, the fundamentals couldn’t be better for metals.

How is my order shipped?Upon receipt of your payment in full, delivery time can take approximately 7 to 14 business days. Your order will be shipped via registered U.S. Mail, UPS, or Federal Express. At times, we may send your items in multiple packages to complete the order. Sending wires expedite shipping time frames.

Is my order insured while in transit? Each package is fully insured and requires a signature upon delivery. The shipping of metals are in nondescript packaging ensuring safe, secure delivery. All orders are fully insured requiring an adult signature.

Your order is not your liability until the parcel is signed for and taken into your physical possession.

Will US Gold And Silver Advisors buy back my coins? We stand behind our products. We don’t recommend selling your gold and silver right now unless special circumstances arise that you need the money. You can typically expect a check within 1 to 2 weeks of liquidation.

In 1980 15% of Americans held physical silver. Currently only 2% of Americans hold any physical silver.When America “wakes up,” the price could explode!






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U.S. Silver Dollar Coins: Semi-numismatic U.S. Circulated Silver DollarsThe best 2 semi-numismatic circulated silver dollar coins to buy are:Morgan Silver Dollars - Minted from 1878 to 1904 then in 1921, Morgan Silver Dollars are undoubtedly one of the most popular and most collected silver coins.

Peace Silver Dollars- Minted from 1921 t0 1928 and again from 1934 to 1935, the Silver Peace Dollars were introduced as a replacement to the Morgan Silver Dollar Coin series.

Circulated silver dollars offer several advantages over most other forms of silver investments including:PRIVACY:Due to the silver dollar’s age, condition and scarcity, the circulated Morgan and Peace dollars are classified as “collectible coins,” and therefore are dealer non-reportable upon liquidation.*

LIQUIDITY:The circulated silver dollars are one of the most liquid coins available to American investors. There are over 5000 coin dealers across the country who would readily purchase silver Morgan or Peace dollars. In addition, US Gold And Silver Advisors gladly offers our clients fair market prices upon your request to sell your coins.

DOUBLE PLAY PROFIT POTENTIAL:Silver dollars offer a unique double opportunity to profit from both the silver content and the rarity. As the price of silver continues to rise, the premiums on the older and more scarce Morgan and Peace dollars should substantially expand, thus outperforming the common bullion coins such as the American Eagle, Canadian Maple Leafs, bullion bars, and rounds that continue to be minted by the millions each year. As the old silver dollars were minted almost a century ago, many have been lost, or damaged,

leaving only a limited number of silver dollars to own.

VALUE:By not caring about the shiny “collectible” side of things, you can currently buy circulated silver dollars for approximately 10% less than the cost of the modern American Eagle silver bullion coins.

A GREAT BARTER COIN:During the last century, many nations that diluted their paper currencies (printed money) have experienced significant inflation or worse. People watched their paper currencies erode on a daily basis. As history repeats itself both merchants and consumers would quickly resort to a barter type market where items of real intrinsic value become accepted as the method of exchange.

Gold and silver coins have always been among the most popular forms of “barter money”. The circulated Morgan and Peace dollars, because of their smaller size , familiarity and ultimate value as a genuine legal tender coin minted by the U.S. government would provide the perfect barter coin. Other coins and bars would be more difficult in this circumstance as it would be difficult to “shave off” a bar on a fractional trade. Of course many people feel that trying economic times only happen overseas, not to America? Why Not?

Keep in mind, gold and silver is viewed as wealth insurance to maintain what you have now!

*Any profit generated from the sale of silver dollars are taxable, as any capital gain would be, but they are not dealer reportable. Please consult your accountant on tax related subjects.






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Silver has been known throughout the world as money that dates back to biblical times. Today we hear of silver as “poor man’s gold.” Certainly with the geopolitical and financial events that

are occurring in the world the price of silver could skyrocket. Adding to the mix the tremendous amount of debt our country is facing, as well as worldwide turmoil, gives silver, huge investment potential

American Silver Eagle CoinsThe American Silver Eagle coin was first produced in 1986. The Silver Eagle is the world’s only silver bullion coin whose weight, content and purity are guaranteed by the U. S. Government. The Eagle is America’s only official investment-grade silver bullion coin.

Highly valued for their historical beauty and pure Silver content, American Eagles are the largest U.S. Silver Dollars ever issued. By law, each coin contains one full troy ounce of pure Silver.

Eligible for placement in IRAs, Silver Eagles can act as building blocks for investments that will never lose all of their value. Silver Eagles serve as a great way to diversify your portfolio, in your IRA

Communist China is Encouraging its People to Buy Gold and Silver!Since the Chinese government started allowing their citizens to purchase gold a few years ago, China has soared to the number two importer of gold in the world. India maintains the number one position. These two countries, now sitting on a mountain of foreign paper re-serves, which are dwindling in value, are actively searching for tangible investment alternatives. Gold and silver are now high on their list while they are dumping the dollar!

July 2011 marked the beginning of the Chinese silver futures market that will trade on the Hong Kong Mercantile Exchange. For the first time Asia investors had direct access to the silver market. Asian investors have the option of taking delivery of physical silver in Hong Kong depositories. These two countries represent the largest emerging middle class in history.

In addition to the public buying physical gold and silver, the Chinese and other Asian Central Banks are bringing in massive amounts of precious metals to back their currency.

Do they know something that the U.S. public does not?






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Physical Gold and Silver Shortage Now Reaching ExtremesThe average U.S. investor typically buys precious metals with a day trade mentality. As the “paper” markets have been manipulated, the physical buyers of gold and silver have out-weighed the sellers by a margin of 50 to 1. The migration of physical gold and silver has flowed from the West into the willing hands of the far East. India, the world’s largest gold buyer is now being challenged by China, as the Chinese Central Bank builds it’s gold reserves with the hope of becoming the new world reserve currency.

Silver, with it’s vast industrial uses from semi-conductors in electronics, food, water purification and solar energy, continues to see inventories drying up. The U.S. Geological Surveys show less than 20 years of known mineable silver left.

With the increasing global demand for physical gold and silver steadily rising, where will the supply come from? What will the physical demand do to the price of gold and silver?

Why Should I Consider Owning Gold Coins?For the past 5000 years, the most sought after form of asset protection has been Gold. Gold has never been worth zero throughout history, ever!

Gold offers peace of mind and insurance in our times of uncertainty. Gold is an inflation fighter and should continue to rise as the money supply rises. Gold is easy to buy and easy to sell. It is universal money that can be bought and sold all over the world!

US Gold And Silver Advisors offer a variety of gold coins dating from the 1800s to today’s IRA eligible coins, the Gold American Eagles. Browse the categories below to learn more about how to buy gold coins:

Gold Bullion:The value of the coin is based upon its precious metal content plus the minting costs. Be-cause of both gold and silver are soft metals they are not intended for circulation. They trade at only a slight premium over their gold content. The coins are very liquid but do not offer the same privacy as the numismatic and semi-numismatic coins do. For Privacy, consider numismatic or semi-numismatic coins.

The most common bullion coins include American Eagles, Canadian Maple Leafs, and South African Krugerrands. Any gold coins or bars that post 1933 are considered to be bullion.

Numismatic Gold Coins:Numismatic coins are legal tender that were minted years ago. The fact that they were minted decades ago bases the value of the coins on their condition, grade, demand and scarcity as opposed to just their precious metals content.






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Unlike bullion coins, numismatic coins offer privacy and protection from confiscation. Most of the premium numismatic coins are found in higher grades such as MS66 – MS70 that include rare foreign and US coins.

What is the Best Way to Buy Gold?Semi-Numismatic Gold Coins:Semi-numismatic gold coins generally moves up and down with the spot price of gold but also contains a slight premium above their gold metal content. Semi-numismatic gold coins can range from circulated to MS62 grade. These gold coins are very liquid and can offer privacy, as there is no dealer reporting requirement. Unlike gold bullion coins, which are massively produced today, the semi-numismatic Liberty and St. Gaudens gold coins haven’t been minted since 1933. Because of the scarcity of these coins, they can offer a greater upside profit potential. Just like bullion, they go up in value when the spot price of gold rises. Unlike bullion, semi-numismatic coins can also rise due to the supply and demand of the scarcity of the coins. A true way to profit on both sides.

U.S. Gold CoinsPre-1933 U.S. Gold Coins - Semi-Numismatic U.S. Gold CoinsCommon date U.S. Numismatic and Semi-Numismatic gold coins provides the combination of the rising gold spot price and the coins rarity. This combination gives the gold investor a “double play” and for this reason Semi-Numismatic gold coins have a greater upside potential than bullion coins.

Liberty Gold Coins were minted form 1849 to 1907 and are considered to be rare gold coins. The Liberty gold coins are made up of 90% percent gold and was used as official US Currency until 1933 when most gold coins were melted down during the great depression. $20 Liberty Gold Coins (one ounce) are the most popular. Liberty heads also are available in $10 (1/2 ounce) and $5 (quarter ounce) gold coins.

Saint Gaudens Gold coins were minted from 1907-1933 and are one of the most sought after gold coins. The St. Gaudens gold coin was the last to minted by the United States government as official currency. During the great depression many of the coins were either melted down or lost making them a rare gold coin.

The U.S. Gold Eagle Bullion coins were first minted in 1986. Eagles are available in four sizes: one-ounce ($50 face value), half-ounce ($25 face value), quarter-ounce ($10 face value), and tenth-ounce ($5 face value). For this reason, Gold American Eagles can easily be bought and sold anywhere in the world making these coins among the most commonly traded gold bullion coins on the market. American Gold Eagle Bullion Coins are qualified for use in precious metals IRA’s!

The design of the Eagle gold coins on the obverse is a copy of the Saint Gaudens design. Eagles are minted only from gold mined in the United States. The coins are minted using 24 karat gold plus small amounts of alloy metals to help prevent scratching.






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Semi-Numismatic European Gold CoinsEuropean Gold Coin – BenefitsTrue scarcity — Supplies are limited to what was minted decades ago. Market availability is subject strictly to what is physically available on the open market and what has survived, melt downs, hoarding and other means of attrition. Today’s modern bullion coins are produced every year in virtually unlimited numbers.

International collector and investor demand — European gold coins are collected throughout the world, ensuring active markets from collectors and investors alike.

Complete financial privacy — There are no broker reporting requirements when you buy or sell classic European gold coins.

Exemption from confiscation — Classic coins of historical significance have been in history exempt from governmental confiscation.

Double profit opportunity — Because the supply of classic European gold coins is limited to what was minted years ago, these European coins tend to increase in value faster than modern bullion. In a rising gold market, you receive all of the up side profit of bullion plus the extra premium that only coins with collector value can generate. In fact, COLLECTOR DEMAND ITSELF CAN, AND DOES, DRIVE UP VALUE EVEN WHEN THE GOLD PRICE IS FLAT OR FALLING.

True historical significance — European gold coins are both beautiful and rich in history!






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PRECIOUS METAL HYPOTHETICAL ILLUSTRATIONSS&P 500 VS Gold Example #1With the U.S. debt in the trillions and growing, many Americans are very concerned about our unstable economy and the devaluation of the dollar. Many investors are turning to Gold and Silver as a hedge against inflation to protect and grow their savings and retirement accounts.

In 2001 John and Sue chose to invest $100,000 in the S&P 500 Index. Over a 12 year period, their average rate of return was only 1.62% or $19,476.

Total 12 year return without Gold investment $119,476

2001 -13.32% $86,780 2007 5.57% $118,0592002 -19.97% $69,450 2008 -38.98% $72,0402003 22.55% $85,110 2009 31.60% $94,8042004 7.50% $91,494 2010 12.50% $106,6552005 8.54% $99,307 2011 1.34% $108,0842006 12.61% $111,830 2012 10.54% $119,476

S&P 500 VS Gold Example #2Now let’s look at Mark and Jennifer’s decision to diversify their portfolio by acquiring $100,000 in Gold. Their total return on their investment for the same 12 year period was 1,931% greater than John and Sue’s choice to invest only in the S&P 500 Index.This is why we stress diversification and a small position of one’s retirement into gold and silver

Mark and Jennifer’s total return on their $100,000 investment in Gold was $476,676. That’s an average annual return of 39.72%

Total 12 year return with Gold investment $476,676

2001 5% $105,000 2007 20.05% $305,5492002 24.82% $131,061 2008 3.3% $315,6342003 20.27% $157,627 2009 23.57% $390,0292004 4.5% $164,170 2010 25.33% $488,8222005 19.62% $197,038 2011 10.07% $538,0462006 19.24% $234,948 2012 7.18% $576,676

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US GOLD AND SILVER ADVISORS - InsuranceWebXinsurancewebx.com/wp...USGA-Whitepaper-04.06.2015.pdf · Why Buy Gold and Silver From US Gold And Silver Advisors US Gold And Silver Advisors