Precious Metals IRA
A Gold IRA lets you own IRS-approved precious metals in a secure depository—while keeping the same tax framework as a traditional or Roth IRA. You can liquidate for cash or take an in-kind distribution of the metals when you choose.
A Gold IRA is typically a self-directed IRA that can hold certain IRS-approved bullion and coins. Because most precious metals are treated as “collectibles,” they are generally not permitted in an IRA unless they qualify for the exception and are held in the physical possession of a bank or IRS-approved nonbank trustee (through an approved depository).
A Gold IRA is typically a self-directed IRA that can hold certain IRS-approved bullion and coins. Because most precious metals are treated as “collectibles,” they are generally not permitted in an IRA unless they qualify for the exception and are held in the physical possession of a bank or IRS-approved nonbank trustee (through an approved depository).
Add tangible assets alongside stocks and bonds.
Tax treatment: Gains and distributions follow IRA rules (traditional or Roth), not standard taxable brokerage rules.
The IRS allows an exception for certain bullion and numismatic coins. In practice, custodians commonly require minimum fineness standards such as: gold 99.5% (.995), silver 99.9% (.999), and platinum/palladium 99.95% (.9995), plus specific coin exceptions such as American Eagle Gold and Silver Proof coins.
Segregated storage: Your specific coins/bars are stored separately.
Non-segregated/commingled: Metals are stored with other clients’ metals of the same type.
We’ll help you choose based on your priorities and cost.
While metals are held inside the IRA, they must remain in qualified custody. Taking personal possession while still “in” the IRA can be treated as a distribution and can create taxes/penalties. If you want the metals in-hand, that is typically done via an in-kind distribution from the IRA (a taxable event under the normal distribution rules).
Education-first consultation: We walk through goals, timeline, and allocation considerations.
Product selection: Focused on recognized, liquid products with sensible all-in economics.
Execution support: Coordinate with your custodian and help manage the purchase and shipment flow to the depository.
Clarity on costs: Custodian and depository fees vary; we make sure you understand the full picture upfront.
Schedule a consultation to review eligible products, pricing, estimated timelines, and how custody and storage work.
