The unified Treasure Asset Workbench. Enter your collection profile once. The report runs your carrying-cost math, sale economics, estate exit paths, insurance gap, and storage decision — all on one page, all printable as a single PDF. The five separate calculators are still here if you want to drill in; this is the consolidated view.
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Insurance + storage + service + opportunity cost on the FMV. The honest number to know whether the collection is paying for itself.
Hammer price → buyer's premium → seller commission → other fees → net to seller. The 28% federal collectibles rate plus state. What actually arrives in the bank.
Sell now · sell in retirement · pass to heirs (stepped-up basis) · charitable donation (related-use FMV deduction). The four exits a collector ever faces, with the math.
| Exit path | Net to family | Tax position | Notes |
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If you have a standard HO-3 with a $2,500 jewelry sublimit and a $2,000 art sublimit, here's the gap to specialty agreed-value coverage. The number most collectors don't see until the loss.
Home / commercial climate / freeport / bank vault / specialist custody. Annual carry × insurance discount × forward sales-tax exposure. Best path for your situation, ranked.
| Path | Annual carry | Insurance discount | Best for |
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Educational and informational purposes only. This calculator and any output it produces are intended solely for general educational and decision-support purposes. They do not constitute investment, tax, legal, accounting, appraisal, lending, insurance, or any other professional advice, and they do not create a fiduciary, attorney-client, accountant-client, or advisor-client relationship of any kind.
Estimates based on your inputs. All results are estimates derived from the data and assumptions you provide. Tax law, accounting standards, regulations, market conditions, and the specific facts of your situation can materially change the answer. The Baratelli Institute, its affiliates, and any co-branding professional make no warranty of accuracy, completeness, currency, or fitness for any particular purpose, and disclaim all liability for decisions made in reliance on the output.
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