Long Term Collecting Goals...

The federal exclusion for inheritance tax is $5 Million. Or in the later stages of life the original poster could gift $14000 a year until the entire collection is given to the intended recipients without paying a tax. The lifetime gift exclusion is again something like $5 million. The only problem here is certain states have lower exclusions for inheritance tax like $500k or $1M vs the federal $5M so they might get you on the state level but that depends on where you live and how much of a collection we're talking about.

The tax comes with the sale of the property so if you're passing down items generation after generation the wealth is retained but when they go to sell the item they're going to get killed because of how collectibles are taxed. Long term capital gains on stocks, real estate and tax benefits on dividends are way lower than collectibles. The famous axiom of Warren Buffet paying lower taxes than his secretary highlights this.

I wouldn't stack silver or precious metals for retirement either because as we all realized from the collapse of silver that the price of metals can go down. So if you don't want to go with stocks or real estate I'd go with a simple boring EE US savings bond that will double your money guaranteed in 20 years and they don't take up space, have security issues and will pay you while you wait for appreciation and they're not taxable if used for tuition but you have to wait 20 years for the bond to mature. You are guaranteed to double your money but I don't know if we'll be able to say the same about the coins you're thinking about as an investment.

Long term collecting goals should include coins you used with disposable income and not money that should have gone towards retirement or anything else important like a child's education IMO.

I know you weren't asking for advice, but SET UP THAT RETIREMENT ACCOUNT!! Each year you wait when you are young can cost you a LOT of money when you are old. For example, lets say you start now and save $100 a month for the next 40 years at 8% avg return. That would equal $360k. If you waited until next year to start, you'd only end up with $332k. So $100 a month this year equals $2400 a month of interest in year 40. If you have employer match and can save a bit more, the numbers are even more dramatic in favor of starting young.