Before you open a gold IRA, read this.
A gold IRA puts physical gold and silver inside your retirement account, with the same tax treatment as your IRA or 401(k).
Metal you own outright, in your name. The asset people have trusted for five thousand years, now yours to hold.
Three minutes here: who it fits, what it costs, how the money moves. Then your exact numbers from a specialist, at today's price.
The kit is free. Under a minute to request.
Inside it: Lear Capital's fees and products, the rollover step by step, and the questions to ask before you move a dollar.
Free. No obligation. Under a minute.
Lear Capital: precious metals since 1997 · A+ rating with the BBB · Excellent on Trustpilot · accounts from $10,000
I may be compensated if you sign up through my link. Investments carry risk. Past performance is not a guarantee of future results. The owners of this website are paid to recommend Lear Capital. The content on this website, including any positive reviews of Lear Capital, is not neutral or independent. Not investment, tax, or legal advice.
This is for you if
You have $10,000 or more in an IRA, 401(k), or savings. Lear Capital opens accounts from $10,000.
You'd like part of it outside the stock market.
You're thinking five years out. Metal is a long hold, and the longer horizon is where it earns its place.
You want to own the metal itself, not a fund. Bars and coins in an insured depository, in your name.
You live in the US, outside New York.
That's who gold IRAs were built for.
Right now, your retirement rides entirely on paper. A gold IRA backs part of it with physical gold and silver you personally own.
The kit is the next step, and a specialist calls you shortly after you request it. Request it here
Three fees, all published
Three fees, and that's all of them. You'll know every cost before you move a dollar.
They go to two parties: the custodian who runs the account and the depository that holds the metal.
| Fee | Lear Capital |
|---|---|
| One-time application | $50 (plus a $30 wire fee if you fund by wire) |
| Annual maintenance | $125 |
| Annual storage and insurance | $110 non-segregated, $160 segregated, at Delaware Depository |
For that, your metal sits in an insured vault and the account runs itself.
On $50,000, that's just under half a percent a year, less than what a typical mutual fund charges.
Lear reimburses the first year of fees on purchases of $25,000 to $50,000, two years from $50,000 to $75,000, and three years at $75,000 or more.
The specialist confirms your figure on the call.
One more number to ask for: the spread, what a dealer sells metal for versus what it buys it back for.
Ask for it on the call. Lear quotes it on the products you'd hold. That's the mark of a company you can work with.
Get Lear's full fee schedule in the free kit
Four steps, two to four weeks. You do almost none of the work.
Start this week and it's done inside a month.
- Open the self-directed IRA.A few days. Lear handles the paperwork with the custodian.
- Fund it.A direct transfer from an IRA, or a rollover from a 401(k), 403(b), or TSP. In a direct transfer the money moves custodian to custodian, never through your hands, and keeps its tax treatment. Your tax advisor confirms for your case. One to three weeks, set by your current custodian.
- Choose the metals.You pick from IRS-eligible gold and silver with the specialist beside you. Each option comes with its spread, so you see the whole price.
- Storage.Insured, audited, IRS-approved depository. Held under your name. Yours to take delivery of at retirement, in metal or in cash.
Free. No obligation. Under a minute.
I may be compensated if you sign up through my link. Investments carry risk. Past performance is not a guarantee of future results.
Why Lear Capital
The three things to check on any gold IRA company, and where Lear stands on each:
Time in business: since 1997, more than 27 years, and over $3 billion in transactions.
Track record: A+ rating with the Better Business Bureau and Excellent on Trustpilot, with thousands of reviews.
Buyback in writing: Lear runs a buyback program for its clients. Ask for the current buyback price relative to spot, in writing, before you fund.
Also published: a price-match guarantee on comparable products, and the fee reimbursement above.
After you request the kit
Requesting takes under a minute: your name, email, and phone on Lear's page.
The guide arrives. A specialist calls shortly after you request it. About 15 minutes.
They'll ask which account you'd move and roughly how much is in it. That's how they give you your exact fees, not a range.
No obligation. Whatever you decide, you'll know exactly what a gold IRA would cost you and how it would work.
Metal is priced daily. Get your numbers now and decide at today's price, not next month's.
Free. No obligation. Under a minute.
I may be compensated if you sign up through my link. Investments carry risk. Past performance is not a guarantee of future results.
Questions people ask
How do I know the company is legitimate?
Years in business, published fees, a buyback program, and a record you can check yourself. Lear has been in precious metals since 1997, publishes its fee schedule, runs a buyback program, and holds an A+ rating with the BBB. The specifics are above.
Do I have to move my whole account?
No. Most people move a portion. You choose the amount, and the rest stays where it is.
What's the minimum to start?
$10,000. That keeps the fixed fees small next to the account.
Is my metal secure, even if something happens to the company?
Yes. It's insured, audited, and titled to your account in an IRS-approved depository, and the custodian is a separate, regulated firm.
It isn't the company's asset. At retirement age you can take delivery, in metal or in cash. It's yours.
Which metals can I hold?
IRS-approved gold, silver, platinum, and palladium: specific coins and bars that meet purity rules. The specialist shows you the list and the spread on each.
Why not just buy coins myself?
You can, with after-tax money. A gold IRA uses retirement money and keeps the tax treatment, so the move is between accounts, not out of one.
Can I use a Roth?
Yes. Roth or traditional, the account keeps the tax treatment it has now.
Will I pay taxes or penalties to move my 401(k)?
Usually no. In a direct rollover the money moves custodian to custodian and keeps its tax treatment.
Your tax advisor confirms for your case.
How long does it take?
Two to four weeks. Most of that is your current custodian, and Lear follows up with them for you.
What if I want to sell later?
Lear's buyback program. Ask for the buyback price relative to spot, in writing, before you fund. Or take distributions at retirement age, in metal or cash.
What happens after I request it?
The guide arrives: how gold IRAs work, Lear's fees and products, the rollover step by step. A specialist calls shortly after you request it, and that call is where you get your figures.
You set the pace. Nothing moves until you say so. It costs nothing, and it's the fastest way to find out whether this fits.
You've now read what most people never get told before they buy: the fees, the spread, the steps, the storage.
Two things don't wait: the two-to-four-week process, and today's price.
If this is for you, the next step takes under a minute.
Free. No obligation. Under a minute.
I may be compensated if you sign up through my link. Investments carry risk. Past performance is not a guarantee of future results.