Hi are you in Cos Cob Ct? i am in no way financially savvy but you may want to checkinto what I heard which is we are federally insured on bank accounts up to a certain limit. i can not make financial advice but it seems to be common sense to take risk out of stock and move it to precious metal??not certificates actual metal??/ Just a thought. Juliani had an advertisement on how to do this with a 401k on his latests podcasts if you can stil find them 102 and 103 I think on Youtube and now possibly on rumble.