IRAEmpire has released an updated and enhanced list of the best gold IRA companies 2026 for consumers. They'll be able to learn how to identify top gold ira providers and make better informed decisions with this guide.

NASHVILLE, TN / ACCESS Newswire / November 25, 2025 / After the volatility of 2024-2025 - including fluctuating interest rates, record-high government debt, geopolitical tensions, and weakening purchasing power - more investors are seeking ways to stabilize and protect their retirement portfolios. One of the most popular strategies is diversifying with a Gold IRA, a self-directed retirement account that allows individuals to hold IRS-approved physical gold and silver.

Ryan Paulson, Chief Editor at IRAEmpire says, "Given the overwhelming number of companies entering the industry, it's more important than ever for consumers to understand which Gold IRA providers offer genuine transparency, competitive pricing, and outstanding customer experience. That's why we've released our updated Best Gold IRA Companies Rankings for 2026, based on detailed analysis of reputation, fees, storage options, customer service, buyback programs, and investor education."

Overview of Best Gold IRA Companies 2026:

1. Augusta Precious Metals (Best for Investments Above $50,000)

2. Lear Capital (Best Market Tools and Metals)

3. Goldencrest Metals (Best Prices)

4. Preserve Gold (Best Products)
   
   

This guide is designed to give you everything you need to know before opening a Gold IRA in 2026 - from how accounts work, to fees, risks, benefits, comparisons, and step-by-step setup processes. Whether you're nearing retirement or simply looking to protect your wealth, this comprehensive review will help you choose the right Gold IRA provider with confidence.

Find The Best Precious Metals IRA Company of Your State Here.

How IRAEmpire Rated the Top Gold IRA Companies for 2026

Choosing the best Gold IRA company in 2026 requires a deeper analysis than simply comparing fees or reading online reviews.

The precious metals retirement industry has grown rapidly over the past three years, attracting both reputable providers and a number of aggressive, sales-driven companies that often push overpriced coins or confusing fee structures. To ensure investors receive accurate, unbiased, and practical information, we evaluated each Gold IRA provider using a strict, multi-point rating system focused on transparency, consumer protection, and long-term value.

Below are the core ranking factors that determined our 2026 ratings:

Fee Transparency & Overall Pricing Structure

Transparent pricing is the foundation of a trustworthy Gold IRA company. We evaluated:

• Whether the company provides clear, upfront fee information

• Annual custodian fees

• Storage fees (segregated vs. non-segregated)

• Price markups on coins and bullion

• Any hidden or unexpected costs

Companies with open, consistent pricing scored the highest.

Gold IRA Setup Process & User Experience

We analyzed how smooth and efficient each company's onboarding process is. This includes:

• Ease of opening an account

• Support during rollovers from 401(k), IRA, TSP, 403(b), or pension plans

• Availability of IRA specialists

• Clarity of educational materials

Providers offering frictionless setup with strong support ranked higher.

Product Selection: IRS-Approved Metals Only

A legitimate Gold IRA requires IRS-approved gold and silver. Companies pushing collectibles or numismatics received lower scores. We also evaluated:

• Range of IRA-approved bullion

• Availability of both gold and silver

• Access to reputable refiners and mints

Reputation, Ratings & Customer Feedback

We reviewed customer experiences across:

• Better Business Bureau (BBB)

• Business Consumer Alliance (BCA)

• Trustpilot

• Google reviews

• Consumer forums and financial alerts

Companies with long-standing reputations and minimal complaints ranked best.

Buyback Programs & Liquidity

A strong buyback program ensures investors can easily liquidate their metals. We examined:

• Whether buybacks are guaranteed

• Pricing fairness

• Speed of processing and payouts

• Track record of honoring buyback commitments

Storage & Custodial Options

We compared:

• Approved storage partners (Brinks, Delaware Depository, etc.)

• Security protocols

• Segregated vs. non-segregated storage options

• Custodian reputation and regulatory compliance

Customer Support & Educational Quality

Gold IRAs are long-term investments, so strong customer support is essential. Companies offering educational resources, 1-on-1 guidance, and long-term account support scored highest.

What Is a Gold IRA and How It Works

A Gold IRA is a type of Self-Directed Individual Retirement Account that allows you to hold physical gold and silver-instead of just traditional assets like stocks, bonds, and mutual funds. These accounts operate under the same IRS rules as a Traditional or Roth IRA, but they offer one critical difference: you can own tangible, IRS-approved precious metals stored in secure depositories.

Gold IRAs have become increasingly popular among retirement-focused investors who want hard-asset diversification, protection during market downturns, and a hedge against inflation or currency weakness. While gold has historically held its value over long periods of economic instability, investors appreciate the fact that it is a non-correlated asset, meaning it typically behaves differently from the stock market.

How a Gold IRA Works

A Gold IRA functions similarly to other retirement accounts, but with a few additional rules regarding what metals you can own and how they must be stored.

IRS-Approved Custodian

You cannot store gold for an IRA at home.
The IRS requires:

• An approved custodian (trust company, bank, or IRS-regulated entity)

• An approved depository (like Delaware Depository or Brinks)

Your custodian handles:

• Paperwork

• Reporting

• Annual statements

• Coordination with your Gold IRA company

IRS Rules for Gold and Silver

Not all metals qualify. Your Gold IRA must contain IRS-approved bullion, which meets strict purity standards:

• Gold: 99.5% purity minimum

• Silver: 99.9% purity minimum

• Platinum & Palladium: 99.95% purity minimum

Common IRA-approved products include:

• Gold American Eagles

• Gold American Buffalos

• Gold Canadian Maple Leafs

• Silver American Eagles

• Bullion bars from approved refiners

Numismatic or collectible coins are not allowed, and companies pushing them were penalized in our rankings.

How Funding Works: Transfers & Rollovers

Most investors fund a Gold IRA by moving money from an existing retirement account. You may use:

• Traditional IRA

• Roth IRA

• 401(k)

• 403(b)

• TSP

• SEP or SIMPLE IRA

• Eligible pension accounts

There are two types of rollovers:

• Direct Rollover (Preferred) - Custodian-to-custodian transfer with zero tax risk.

• Indirect Rollover - Funds come to you first; must be deposited within 60 days to avoid taxes and penalties.

Choosing Your Metals & Storage

After funding the account, you'll select which metals to purchase. Your Gold IRA company will guide you in choosing metals suitable for IRS rules. The metals are then shipped securely to an IRS-approved depository, where they remain insured and stored under your IRA.

Monitoring and Managing Your IRA

Your metals remain stored until you:

• Sell them

• Exchange them

• Take distributions in retirement

• Or close the account

You may request annual statements, performance updates, and buyback options anytime.

Find The Best Precious Metals IRA Company of Your State Here.

Benefits of Opening a Gold IRA in 2026

As we move deeper into the economic cycle of 2026, investors are facing a unique combination of financial pressures: persistent inflation, uncertainty around interest rate policy, rising national debt levels, and increasing global geopolitical tensions. These conditions have pushed many Americans to look beyond traditional retirement accounts in search of assets that can hold their value during turbulence. This is where a Gold IRA has proven especially beneficial.

A Gold IRA allows you to diversify your retirement savings with physical gold and silver, which historically serve as reliable hedges during unstable economic periods. While no investment is completely risk-free, precious metals have repeatedly demonstrated their ability to maintain purchasing power over the long term.

Below are the primary advantages of opening a Gold IRA in 2026.

Protection Against Inflation and Dollar Weakness

Inflation has remained one of the biggest financial concerns going into 2026. When inflation rises or the dollar weakens, the real value of savings erodes. Gold, however, tends to increase in value when paper currency loses strength. This is one of the main reasons investors use a Gold IRA for long-term wealth protection.

Hedge Against Stock Market Volatility

The stock market in recent years has been marked by unpredictable swings due to:

• Technology sector corrections

• Higher interest rates affecting corporate earnings

• Global supply chain issues

• Election cycle uncertainty

Because gold often moves independently of stocks, adding it to your retirement strategy helps balance risk and reduce exposure to severe market downturns.

Long-Term Store of Value

Gold has maintained value for thousands of years across every major civilization. While equities depend on corporate performance and bonds depend on interest rates, gold simply exists as a scarce, globally recognized asset. This makes it a powerful tool for protecting wealth across decades - an essential consideration for retirement planning.

Safe-Haven Asset During Global Events

Gold demand historically surges during:

• Wars

• Recessions

• Political instability

• Banking crises

• Energy shortages

• Financial system stress

With geopolitical uncertainties continuing into 2026, many investors view gold as a necessary component of their retirement strategy.

Tax Advantages Through an IRA Structure

A Gold IRA offers the same tax benefits as any Self-Directed Traditional or Roth IRA, including:

• Tax-deferred growth

• Potential for tax-free withdrawals (with a Roth)

• Ability to compound wealth without annual taxation

This gives investors a way to hold physical assets while still taking advantage of retirement tax laws.

Diversification and Portfolio Stability

Financial advisors commonly recommend diversification, and precious metals IRAs help investors avoid overexposure to any one asset class. By adding gold and silver, a portfolio becomes more balanced and resilient, especially during periods when other assets underperform.

The Best Gold IRA Companies of 2026: IRAEmpire's Rankings

Augusta Precious Metals (Ranked 1st Among the Best Gold IRA Companies)

Augusta Precious Metals once again takes the No.1 position in our 2026 Best Gold IRA Companies Rankings, solidifying its reputation as the most transparent, educational, and investor-focused provider in the industry. While many Gold IRA companies claim to offer great service, Augusta stands apart for its emphasis on no-pressure consultations, premium investor education, and a client-focused model designed for long-term retirement success.

Augusta has earned an exceptional reputation supported by an A+ rating from the Better Business Bureau, AAA from the Business Consumer Alliance, and consistently high customer satisfaction scores across Trustpilot and independent consumer forums. More importantly, the company's operating philosophy is built around empowering investors with unbiased information, rather than pushing them into hasty decisions or overpriced collectible coins.

Read Augusta Precious Metals Reviews, Fees and Free Gold IRA Kit Analysis

1. Industry-Leading Education & Transparency

Augusta offers one of the most comprehensive educational experiences in the Gold IRA industry. Investors can access:

• 1-on-1 video calls with their education team

• Harvard-trained economic analysts

• Clear explanations of fees, risks, and long-term benefits

• No-pressure guidance with zero sales tactics

This focus on transparent education reduces the likelihood of confusion, misled investors, or impulse-driven purchases - an essential safeguard in the precious metals market.

2. Extremely High Reputation & Customer Satisfaction

Across major consumer review platforms, Augusta continues to outperform competitors in:

• Responsiveness

• Reliability

• Long-term client support

• Consistent clarity in explaining risk

Their reputation for doing business "the right way" is a major reason they rank first.

3. Strong Buyback Program

Augusta provides a reliable and transparent buyback program, allowing investors to liquidate metals easily at competitive prices when needed. Liquidity is often overlooked in the Gold IRA industry, making this a major advantage over companies with unclear or inconsistent buyback policies.

4. Fees Are Transparent & Straightforward

Unlike many competitors, Augusta avoids hidden markups and unnecessary add-on fees. While exact pricing is provided during consultations, typical investors appreciate:

• Straightforward annual fees

• No surprise charges

• No pressure to buy expensive collectible coins

This transparency is one of the biggest reasons retirees prefer Augusta over companies with complicated fee structures.

5. High-Quality Metals & Strict IRA Compliance

Augusta only sells IRS-approved gold and silver, ensuring investors comply with all IRA regulations. They avoid numismatics and speculative coins, which helps keep portfolios focused on long-term value.

Ideal For

• Investors who want the most educational and transparent Gold IRA company

• Retirees and pre-retirees seeking long-term portfolio stability

• Higher-net-worth investors comfortable with the $50,000 minimum

• Anyone who wants an easy, no-pressure, fully-guided Gold IRA setup process

Lear Capital (Ranked 2nd Among the Best Gold IRA Companies)

Lear Capital secures the No.2 position in our Best Gold IRA Companies of 2026 rankings, standing out for its strong combination of market tools, extensive metals selection, and investor-friendly educational content. With over 25 years of industry experience, Lear Capital remains one of the most established and recognizable names in the US precious metals market.

The company appeals to both new and experienced investors due to its blend of technology-driven insights, transparent pricing structures, and easy account setup process. While Lear does not quite match Augusta's premium educational support model, it excels in offering tools and data that help investors make informed decisions based on up-to-date market analysis.

Read Lear Capital Reviews, Fees and Free Gold IRA Kit Analysis

1. Advanced Market Tools & Real-Time Pricing

Lear offers one of the most robust digital platforms among Gold IRA providers. Their website includes:

• Interactive price charts

• Market analytics

• Historical gold and silver performance graphs

• Spot price alerts

• Portfolio tracking tools

These insights help investors stay current with market trends without having to rely solely on external financial websites.

2. Broad Selection of IRS-Approved Precious Metals

Lear Capital provides a wide range of IRA-eligible metals, including:

• Gold American Eagles

• Gold American Buffalos

• Canadian Maple Leafs

• Silver Eagles

• Approved bars from reputable refiners

This large assortment gives investors greater flexibility when building or diversifying their Gold IRA portfolio.

3. Competitive Fees & Clear Pricing

Lear Capital has refined its pricing structure to be more transparent than in past years. While markup ranges vary depending on the product, the company clearly outlines:

• Annual IRA maintenance fees

• Storage fees for segregated or non-segregated options

• Price guarantees

• Buyback procedures

Investors appreciate knowing exactly what they are paying for, especially in an industry where hidden fees are common.

4. Reliable Gold IRA Rollover Support

Lear offers a streamlined, guided rollover process for those transferring funds from:

• 401(k)

• Traditional or Roth IRA

• 403(b)

• Eligible pension plans

• TSP accounts

The account specialists handle the majority of the administrative work, which makes rollovers faster and more efficient.

5. Strong Reputation & Long Track Record

With decades of experience and thousands of customers, Lear Capital has solidified its position as a credible industry leader. Reviews highlight:

• Professional customer service

• Helpful account representatives

• Reliable shipping and processing

• Good long-term support

Ideal For

• Investors who want industry-leading market tools and real-time research

• Individuals who prefer a larger selection of metals to customize their portfolio

• Beginners who want guided rollover assistance

• Investors looking for a mid-range minimum investment requirement

Goldencrest Metals (Ranked 3rd Among the Best Gold IRA Companies)

Goldencrest Metals ranks #3 in our Best Gold IRA Companies of 2026, earning its position as the most beginner-friendly option for new investors entering the world of precious metals IRAs. What sets Goldencrest apart is its commitment to simplicity, transparency, and hands-on support, making it an ideal choice for those who have never opened a Self-Directed IRA before.

Read Goldencrest Metals Reviews, Fees and Gold Kit Analysis

1. Extremely Simple, Beginner-Friendly Onboarding

Goldencrest stands out for offering one of the most streamlined account setup processes in the industry. Their specialists are trained to guide investors who may be unfamiliar with:

• IRA rollover rules

• IRS-approved metals

• Custodian coordination

• Storage requirements

Beginners frequently mention that Goldencrest makes the process feel "stress-free," even for those who have never handled a Self-Directed IRA before.

2. Transparent Pricing & Straightforward Fees

Goldencrest Metals provides clear, upfront pricing, avoiding:

• Unnecessary add-on charges

• Hidden premiums

• Confusing percentage-based markups

This focus on transparency is particularly valuable for new investors who may be cautious about entering a specialized market where some companies rely on aggressive sales tactics.

3. Strong Customer Education Without Sales Pressure

Goldencrest offers helpful guides, IRA walkthroughs, and phone-based support designed to educate rather than overwhelm. Their approach strikes a balance between:

• Providing essential information

• Avoiding over complicated jargon

• Not pushing expensive numismatic coins

This is a major reason Goldencrest resonates with first-time Gold IRA investors.

4. Fast, Efficient Rollovers for 401(k), IRA & TSP Accounts

Goldencrest specializes in quick processing times and hands-on rollover assistance. Their team coordinates directly with custodians to ensure:

• Fast transfers

• Minimal paperwork for the investor

• Clear communication at every stage

• Smooth funding without delays

Investors switching from traditional brokerages often rate Goldencrest highly for efficiency and clarity.

5. Good Selection of IRA-Approved Metals

Goldencrest Metals offers a balanced range of:

• Gold bars and coins

• Silver bars and coins

• IRS-approved bullion only

They do not push overpriced collectibles or speculative rare coins - a major plus for compliance and long-term portfolio stability.

Ideal For

• First-time Gold IRA investors

• Individuals who want a simple, easy-to-understand rollover process

• Investors who want clear pricing and no-pressure guidance

• Retirement savers who prefer accessible, friendly customer service

Preserve Gold (Ranked 4th Among the Best Gold IRA Companies)

Preserve Gold takes the No.4 position in our Best Gold IRA Companies of 2026 rankings, appealing most to investors who value flexibility, multi-metal diversification, and a customer-driven onboarding experience. Unlike some companies that focus exclusively on gold or silver, Preserve Gold stands out for offering a broader range of precious metals and IRA investment choices without complicating the process or pushing unnecessary products.

The company has built a reputation for reliable support during rollovers, fast account setup, and a no-pressure sales approach that attracts investors looking for a balanced, well-guided experience.

Read Preserve Gold Reviews, Fees, and Products Analysis

1. Wide Range of Precious Metal Options

Preserve Gold provides one of the broader metal selections in the industry, including:

• Gold (bars and coins)

• Silver

• Platinum

• Palladium

Although gold and silver remain the most popular IRA metals, some investors appreciate having the option to diversify into additional metals that can complement their long-term retirement strategy.

2. Flexible Investment Structure

Preserve Gold is known for accommodating investors across a wide range of portfolio sizes. Their flexible approach makes them a strong fit for:

• First-time Gold IRA investors

• Mid-sized retirement portfolios

• Investors seeking multiple metals in one IRA

• Individuals with 401(k), TSP, or pension rollovers

This versatility gives Preserve Gold a competitive advantage over companies with rigid minimums or narrow offerings.

3. Easy Rollovers and Strong Support for Retirement Accounts

Preserve Gold has earned a strong reputation for smooth, guided rollover support from:

• Traditional and Roth IRAs

• Employer retirement plans (401(k), 403(b), 457)

• Thrift Savings Plan accounts

• Eligible pension accounts

Their team handles custodian communication, paperwork, and follow-up, reducing the workload on the investor. This is particularly important in 2026, as more Americans transition from employer-sponsored plans to self-directed accounts.

4. Competitive Pricing and Straightforward Fees

Preserve Gold maintains transparency in its pricing. Investors report:

• Clear explanations of costs

• Fair markups on metals

• No push toward overpriced collectibles

• Predictable annual IRA fees through custodial partners

This makes Preserve Gold a safe option for those wary of hidden charges in the precious metals industry.

5. Strong Buyback Program

Preserve Gold offers a reliable buyback system that helps investors liquidate metals when needed. Their process typically provides:

• Fast turnaround

• Competitive offers

• Clear communication

This feature is valuable for investors who prioritize flexibility and future liquidity.

Ideal For

• Investors who want multiple metals beyond gold and silver

• Individuals seeking flexible portfolio choices

• Customers who want a no-pressure onboarding process

• Retirement savers needing fast, easy rollovers

Gold IRA Fees Explained: What You'll Pay in 2026

Below is a detailed breakdown of the typical Gold IRA fees in 2026 and how they apply to Augusta Precious Metals, Lear Capital, Goldencrest Metals, and Preserve Gold.

1. Account Setup Fees

Most Gold IRA custodians charge a one-time setup fee, which typically ranges from $50 to $100.
This fee covers:

• Opening the Self-Directed IRA

• Initial paperwork

• Account registration

• Internal processing

Some companies may waive this fee during promotions, but it's generally standard across the industry.

2. Annual Custodian Fees

Because Gold IRAs require oversight from IRS-approved custodians, investors pay an annual maintenance fee, usually between $80 and $150 per year.

This fee covers:

• IRS reporting

• Compliance management

• Account administration

• Yearly statement preparation

All four companies in our rankings partner with reputable custodians, and their annual custodian fees fall within this industry-standard range.

3. Storage Fees (Segregated vs. Non-Segregated)

Gold and silver held in an IRA must be stored in a secure, IRS-approved depository such as Brinks or Delaware Depository.

Typical storage fees range from:

• $100-$150 per year for non-segregated storage

• $150-$250 per year for segregated storage (where metals are stored separately under your name)

Segregated storage is more expensive but provides additional control and peace of mind for some investors.

4. Dealer Markups (Premiums Over Spot Price)

This is where Gold IRA companies can differ dramatically.

Dealer markups refer to the premium charged above the spot price of gold or silver. These premiums depend on:

• Type of metal

• Mint

• Market demand

• Production costs

While most reputable companies keep premiums competitive, some less trustworthy firms inflate premiums by selling overpriced collectible coins.

Augusta, Lear, Goldencrest, and Preserve Gold do not push collectibles - a major reason they made the top 4 list.

5. Wire Transfer & Transaction Fees

A few custodians charge small fees for:

• Wire transfers

• Paper check requests

• Transactions (buying or selling metals)

These are usually small - typically $30 to $50 - but it's helpful to ask your custodian for clarity.

6. Buyback Pricing & Liquidity Costs

Good companies offer:

• Transparent buyback quotes

• Competitive market-based pricing

• Fast processing

Augusta and Preserve Gold, in particular, have strong reputations for reliable, hassle-free buybacks.

7. Hidden Fees to Watch Out For

Investors should avoid any company that:

• Pushes numismatic coins

• Claims home storage IRAs are legal

• Offers "secret" vault programs

• Charges undisclosed percentage-based fees

• Uses high-pressure sales to upsell unnecessary products

These practices signal companies that prioritize profits over investor interests.

How to Choose the Best Gold IRA Company for Your Needs

Below are the most important factors to consider before selecting a Gold IRA provider in 2026.

Transparency and Clarity in Fees

The best Gold IRA companies explain their fees clearly and avoid confusing percentage-based markups. A reputable provider will give you written, detailed fee breakdowns for:

• Storage

• Custodial maintenance

• Setup

• Dealer premiums

• Buy/sell spreads

If pricing feels unclear or inconsistent, that's a red flag.

2. Strong Reputation & Verified Customer Reviews

Always look for:

• A+ BBB rating

• High Trustpilot scores

• Low complaint volume

• Consistent track record over several years

This is why Augusta consistently ranks #1 - its reputation for honesty and clarity is unmatched.

Avoid companies with:

• Numerous unresolved complaints

• Claims of bait-and-switch pricing

• Aggressive sales tactics

3. Quality of Educational Resources

A Gold IRA can be confusing for first-time investors. Choose a company that:

• Educates rather than pressures

• Offers videos, guides, and 1-on-1 sessions

• Explains risks realistically

• Helps you understand metals selection and IRS rules

Companies that overhype gold as "guaranteed" or "risk-free" should be avoided.

4. Buyback Program Reliability

A strong buyback program ensures:

• You can liquidate your metals quickly

• You get fair pricing

• You avoid scrambling for outside buyers

This matters especially for retirees who may eventually need to convert metals back into cash.

5. IRA Expertise and Rollover Assistance

The best companies guide you through:

• Custodian selection

• Rollover paperwork

• Transfer timelines

• Metal selection

• Long-term strategy

Providers like Goldencrest and Preserve Gold are particularly strong in rollover guidance.

6. IRS-Approved Metals Only

Make sure the company strictly sells metals that meet IRS requirements:

• Gold: 99.5% purity

• Silver: 99.9% purity

• Approved coins and bars only

If a company pushes numismatic or collectible coins for "IRA diversification," walk away immediately.

7. Customer Service Style

Every investor has different preferences:

• Want premium, white-glove support? Choose Augusta.

• Want strong market tools? Choose Lear.

• Want simple, beginner-friendly guidance? Choose Goldencrest.

• Want flexible, multi-metal portfolios? Choose Preserve Gold.

Match the company's service style with your comfort level and long-term goals.

8. Minimum Investment Requirements

Gold IRAs often require higher initial investments because of storage and custodial costs.
Typical minimums range from:

• $10,000 to $50,000 depending on the company

Augusta has a higher minimum ($50,000), while Goldencrest and Preserve Gold are more flexible.

Step-by-Step Guide: How to Open a Gold IRA in 2026

Ryan shares, "Opening a Gold IRA in 2026 is easier than most people expect. While the process involves a few additional steps compared to opening a traditional IRA, a good provider will guide you through every requirement, from paperwork to custodian communication to metal selection."

Step 1: Choose a Reputable Gold IRA Company

Your first decision is selecting the right company - and this determines the quality of your entire experience.
Choose one that offers:

• Transparent fees

• IRS-approved metals only

• No-pressure consultations

• Strong reviews

• Reliable buyback program

Step 2: Open Your Self-Directed IRA

Your Gold IRA company will help you open a Self-Directed IRA (SDIRA) through an IRS-approved custodian.
This requires:

• Basic personal information

• Beneficiary designations

• A quick digital or paper application

This process is fast - usually 10 to 20 minutes.

Step 3: Choose Your Custodian

Gold IRAs must be administered by an IRS-approved custodian, which handles:

• Paperwork

• Reporting

• Verification of metal deposits

• Annual statements

Common custodians include Equity Trust, STRATA Trust, GoldStar Trust, New Direction Trust, and Kingdom Trust.

Your selected Gold IRA company will recommend or coordinate with custodians on your behalf.

Step 4: Fund the Account (Rollover or Transfer)

You can fund your Gold IRA using:

• Traditional IRA

• Roth IRA

• 401(k)

• 403(b)

• TSP

• Pension rollovers (if eligible)

Direct Rollover (Recommended)

Funds move custodian-to-custodian, meaning you never touch the money.
This avoids:

• Taxes

• Penalties

• The 60-day rollover rule

Indirect Rollover (Avoid If Possible)

Funds are paid to you first - then must be deposited into your new IRA within 60 days.
Risky for beginners, and not recommended unless necessary.

Step 5: Choose Your Gold & Silver Products

Once funds arrive in your SDIRA, you'll choose which IRS-approved metals to purchase, such as:

• Gold American Eagles

• Gold Buffalos

• Gold Canadian Maple Leafs

• Silver Eagles

• Approved gold or silver bars

Your account representative will guide you based on:

• Retirement timeline

• Diversification goals

• Short-term vs. long-term planning

• Market conditions

Step 6: Metals Are Shipped to an IRS-Approved Depository

You cannot store Gold IRA metals at home.

Your metals will be securely stored in facilities such as:

• Delaware Depository

• Brinks Global

• IDS of Texas

• Various segregated or non-segregated vaults

These depositories offer:

• Insurance

• 24/7 surveillance

• Audits

• Strict security protocols

You will receive documentation showing your metals' arrival and storage confirmation.

Step 7: Monitor Your Account & Request Buybacks Anytime

Your IRA custodian provides:

• Annual reports

• Tax documentation

• Account summaries

Your Gold IRA company may also offer ongoing support.

When you're ready to sell, most top companies - especially Augusta and Preserve Gold - offer fast, competitive buyback programs, simplifying liquidation in retirement.

A Gold IRA is a long-term investment. Following these steps with a trusted provider ensures a smooth, compliant, and stress-free setup process in 2026.

Find The Best Precious Metals IRA Company of Your State Here.

About IRAEmpire

IRAEmpire is an independent consumer-focused platform dedicated to reviewing, analyzing, and comparing Gold IRA, Silver IRA, and Crypto IRA companies in the United States. Built on the principles of transparency and unbiased financial education, IRAEmpire provides detailed industry reports, in-depth comparisons, and expert-backed insights designed to help retirement investors make smarter, safer decisions.

IRAEmpire is also known for its comprehensive annual rankings, including Best Gold IRA Companies, Best Silver IRA Companies, and Best Crypto IRA Providers, which help investors navigate a rapidly growing and often confusing industry.

Whether you're planning a rollover, researching providers, or simply exploring diversified retirement strategies, IRAEmpire is committed to delivering straightforward, high-quality guidance that empowers you to protect and grow your wealth with confidence.

CONTACT:
Ryan Paulson
ryan@iraempire.com

SOURCE: IRAEmpire LLC