Frequently Asked Questions

A Gold IRA is a self-directed Individual Retirement Account that allows you to hold physical precious metals — gold, silver, platinum, and palladium — as part of your retirement portfolio. It works just like a traditional IRA but with physical metals instead of (or in addition to) paper assets.

Yes. A direct rollover (trustee-to-trustee transfer) from your existing IRA, 401(k), TSP, or other retirement account into a Gold IRA is completely tax-free and penalty-free. We handle the coordination with your current custodian to ensure a smooth, compliant transfer.

You can roll over funds from Traditional IRAs, Roth IRAs, 401(k)s, 403(b)s, 457 plans, Thrift Savings Plans (TSP), and most other employer-sponsored retirement accounts. Both active and inactive accounts are typically eligible.

Our minimum investment for a Gold IRA is typically $25,000. This ensures your account has enough value to meaningfully diversify with precious metals while keeping fee ratios reasonable. For direct purchases outside an IRA, minimums may be lower.

Your precious metals are stored in an IRS-approved depository facility. These facilities are fully insured, independently audited, and feature bank-grade security including 24/7 monitoring, biometric access controls, and fire/flood protection. You'll receive full documentation of your holdings.

For IRA-held metals, IRS regulations require storage in an approved depository while the metals remain in the account. However, when you take a distribution (at retirement age), you can choose to receive your physical metals directly. For non-IRA purchases, you can take immediate delivery.

Typical fees include a one-time account setup fee, annual custodian administration fee, and annual storage/insurance fee. We believe in full transparency — your advisor will provide a complete fee schedule during your consultation with no hidden charges. Most clients find the fees comparable to traditional IRA management fees.

Gold pricing is based on the live spot price plus a modest premium that covers minting, fabrication, and dealer costs. We provide real-time, transparent pricing and will always show you the spot price alongside our offered price so you can make informed decisions.

The typical timeline is 1-3 weeks from start to finish. Account setup takes 3-5 business days, and the fund transfer from your existing custodian usually takes 5-10 business days. We coordinate everything and keep you informed at every step.

The IRS requires specific purity standards: Gold must be 99.5% pure (e.g., American Gold Eagles, Canadian Gold Maple Leafs, gold bars from approved refiners). Silver must be 99.9% pure, and platinum/palladium must be 99.95% pure. Your advisor will help you select from approved options.