Get Your Free Gold IRA Investor Kit & 7 Blunder Report
Free Investor Kit 
Free Investor Kit Live Spot Prices
| Gold Spot: 1,978.70 | 0.0% |
| Silver Spot: 23.20 | 0.5% |
View Charts Gold IRA Rollover
Gold IRA Rollover: 19 Essential Facts to Know Before You Invest
Written by retirement account experts Pat Collins and John Halloran.
Table of Contents
- What Is A Gold IRA Rollover?
- History Of Gold IRAs
- What Types Of Retirement Accounts Qualify For A Gold IRA Rollover?
- How Do I Transfer My Current Retirement Account to Precious Metals
- Understanding Taxes and Required Minimum Distributions (RMDs)
- Choosing Your New Custodian
- How To Designate Beneficiaries
- Difference Between A Representative And An Interested Party
- Types Of Precious Metals You Can Hold
- How To Buy And Sell Precious Metals In Your Self Directed IRA
1. What Is A Gold IRA Rollover?
A Gold IRA Rollover is when you move a retirement account to a Self-Directed IRA holding physical precious metals at an IRS approved depository for its owner.
2. History Of Gold IRAs
IRAs were first introduced in 1974 when Congress passed the Employee Retirement Income Security Act. But it wasn’t until the Taxpayer Relief Act of 1997 was passed that individuals were allowed to hold certain precious metals, such as gold, silver, platinum and palladium in their retirement accounts.
3. What Types Of Retirement Accounts Qualify For A Gold IRA Rollover?
IRAs
You can transfer any Traditional IRA, Roth IRA, SEP IRA, Simple IRA or Self Directed IRA to a gold IRA.
401(k)s
If you have an inactive 401(k), meaning you no longer work with the company that created it, you can execute a gold IRA rollover. If you are over 59.5 years old and have a current 401(k) through an existing employer, you may be eligible for an “in-service” distribution, allowing you to do a partial gold IRA rollover.
403(b)s
A 403(b) plan is a retirement account offered to employees of public schools and tax exempt organizations. You can complete a rollover with a 403(b) plan after you have terminated employment. And in some cases after you’ve turned 59.5 years old, you can do a partial gold IRA rollover via an “in-service” distribution.
457(b)s
A 457(b) plan is a retirement account offered to state and local government employees, such as police officers, firefighters and other civil servants. A rollover is only permitted with 457(b) plans once employment is terminated or in some cases at 70.5 years of age if still working.
TSPs
Thrift Savings Plans are government-sponsored retirement accounts for Federal employees, such as civil servants and military. You can perform a gold IRA rollover with a TSP plan once employment is terminated. And in some cases, you’re able to do a partial gold IRA rollover via an “in-service” distribution if you’ve reached 59.5 years of age.
4. How Do I Transfer My Current Retirement Account to Precious Metals
In order to move your existing retirement account, you must first establish a Self Directed IRA with a custodian that allows you to hold physical precious metals. Your chosen precious metals supplier is likely to be authorized with several custodians for you to choose from. Most metals dealers will also help you to complete the paperwork to ensure a smooth transfer.
Transferring From A Traditional, Roth Or SEP IRA
If you’re moving funds from your current IRA to a new Self Directed account, you’ll simply complete a transfer request form with your new application. Your transfer request form contains your existing IRA’s basic information, such as the current custodian, your name, account number, and the amount you’re transferring.
Moving funds between IRAs are considered a direct transfer because you never take possession of their funds.
A direct transfer typically takes between 10 and 14 days. You can expedite the process if your existing custodian accepts faxed transfer request documents and if they’ll send your funds via wire rather than check.
Rollover From A 401(k), 403(b), 457(b) Or TSP
If you’re moving funds from a 401(k), 403(b), 457(b) or TSP account to a new Self Directed precious metals IRA, it’s called a rollover. A rollover is permitted when you change jobs or have retired. If you are over 59.5 years of age and still employed with the company that created your 401(k), you may qualify for an in-service distribution. An in-service distribution would allow you to do a partial rollover, so speak with your plan administrator to confirm if you qualify.
There are two distinct types of rollovers, direct and indirect.
Indirect rollovers tend to be more complicated. With an indirect rollover, your existing 401(k) provider sends you a check for the proceeds that you deposit into your personal bank account. You then have 60 days to re-deposit those funds into your new IRA. Failure to deposit the monies into an IRS-approved plan within the allotted 60 days is a taxable event because it’s considered distribution. If you are under 59.5 years of age, you will also incur a 10% penalty.
A direct transfer between custodians is less complex. With a direct transfer, your 401(k) provider will issue a check payable to your new custodian. They will then mail the check to you to forward or they will send it directly to the custodian on your behalf.
Most 401(k) providers can initiate your gold IRA rollover verbally over the phone. Government-sponsored retirement accounts require you to complete their own internal rollover documents. The complete rollover process generally takes around 2 weeks.
Note: The IRS only permits one rollover (per account) during 12 months. However, you are allowed unlimited custodian to custodian IRA transfers.
5. Understanding Taxes and Required Minimum Distributions (RMDs)
When you transfer your existing IRA to your new self-directed account, it is not a taxable event because you are moving funds between qualified, tax-deferred plans. The same rules apply if you do a rollover from a 401(k), 403(b), 457(b), or TSP.
How Do I Take Required Minimum Distributions From My New Account?
An RMD is the minimum amount you must withdraw annually once you’ve reached 72.
All retirement accounts except Roths are subject to RMDs.
The custodian calculates RMDs by dividing the previous year’s account balance on December 31st by a distribution period from the IRS’s “Uniform Lifetime Table.” Once you’re 72 years of age, your custodian will provide you with the minimum amount you must withdraw each year.
In addition to a cash RMD, you have the option to take an “in-kind” distribution, whereas the depository will ship your metals to your home.
When you request a cash distribution, most custodians will send ACH payments for free and on any timeline you choose.
6. Choosing Your New Custodian
Although certain types of physical gold, silver, platinum and palladium are legally permissible in an IRA, not all custodians offer this service. Below is a list of “12 Popular Self Directed Custodians” that offer physical precious metals accounts. The custodians listed either charge a flat fee or a sliding scale based on account value. Generally, flat fee structures are more cost-effective.
7. How To Designate Beneficiaries
Just like with traditional retirement accounts, your self-directed gold IRA will require one or more beneficiaries. If your primary residence is not in a community property state, you can designate any person or entity, as well as what percentage they will inherit should you pass away.
If you live in a community property state and choose a primary beneficiary other than your spouse, they must sign a waiver consenting to your election.
If your spouse is your primary beneficiary, children, grandchildren, or favorite charities make popular contingents. A contingent beneficiary is “second in line” should both the account owner and primary beneficiary pass away in proximity to each other.
For each beneficiary you choose, your custodian will require their full name, Social Security number and date of birth. You have the right to change beneficiaries at any time by submitting a one-paged form.
8. Difference Between A Representative And An Interested Party
On your new account application, you will have the option to designate a Representative or an Interested Party.
If you designate a Representative, it’s the equivalent of giving that person (or company) a Power of Attorney. Simply put, they can transact on your account at their sole discretion. The Certified Gold Exchange cautions you against giving Power of Attorney to a precious metals supplier. Reputable gold dealers will not agree to become your Power of Attorney, but unethical suppliers will jump at the chance. If a metals company suggests you designate them as a Representative (Power of Attorney), it’s a red flag and you should contact us immediately.
However, designating an Interested Party can be helpful because it enables the dealer to speak freely with the custodian about your account. Without listing an Interested Party you are required to be on the telephone during every interaction between the metals supplier and custodian. More importantly, an Interested Party has no authority to transact on your account because your signature is required to authorize all buys, sells, and trades.
9. Types Of Precious Metals You Can Hold
Per the Taxpayer Relief Act of 1997, certain gold, silver, platinum and palladium coins and bars are permitted in retirement accounts. This includes 1 ounce, ½ ounce, ¼ ounce and 1/10 ounce coins minted by the U.S. Treasury Department as well as select bars, rounds and foreign coins of a certain purity.
- Gold must be 99.5% pure, silver 99.9%, and platinum and palladium both 99.95% .
- Bullion coins must be in Brilliant Uncirculated condition.
- Proof coins must be in original Mint packaging, in flawless condition with Certificate of Authenticity.
- Non U.S. Mint coins, bars and rounds must be accredited by a refiner, assayer or manufacturer and meet minimum purity requirements.
Below is a list of the most popular gold, silver, platinum and palladium coins, bars and rounds that are IRS approved.
Gold
Austrian Gold Vienna Philharmonic Coins
Canadian Gold Maple Leaf Coins
Australian Gold Kangaroo/Nugget Coins Chinese Gold Panda Coins
British Gold Britannia Coins
Accredited Gold Bars and Rounds
Silver
Austrian Silver Vienna Philharmonic Coins
Australian Silver Kookaburra British Silver Britannia Coins
Chinese Silver Panda Coins
Accredited Silver Bars and Rounds
Platinum
Accredited Platinum Bars and Rounds Palladium
Accredited Palladium Bars and Rounds
10. How To Buy And Sell Precious Metals In Your Self Directed IRA
To execute a buy, you simply select the gold and/or silver items you would like to acquire, and your chosen precious metals dealer will complete an Investment Direction form for you. They will then forward you the document for your signature.
Upon receiving your signed document, your precious metals dealer will work with your custodian to finalize the purchase. Your dealer will then send your precious metals to your selected depository for its safekeeping.
Selling your precious metals is just as easy and as fast a process. First, simply call your dealer to lock in your buyback price. They will then send you an Investment Direction form for your signature to authorize the transaction. Next, they will work with your custodian to have your metals transferred to their account and will wire the cash proceeds to your IRA.
11. Where Your Precious Metals Will Be Stored
Upon selecting your custodian, you must choose your 3rd party (non-bank) precious metals depository qualified under Internal Revenue Code IRC-408n. Below are the three most popular gold IRA storage facilities in the U.S.
Ph: (302) 765-3889
ddsops@delawaredepository.com
Better Business Bureau Profile
The Delaware Depository is a licensed precious metals depository of the CME group and ICE Futures U.S. They employ multiple layers of physical and electronic security, along with proprietary systems and internal controls as one of the most secure operations of its kind.
The Delaware Depository maintains $1 billion in “all risk” insurance coverage through Lloyds of London. Risks include, “physical loss and/or physical damage, including mysterious disappearance and/or unexplained loss and shortage, employee dishonesty and theft. Loss or damage from fire, flood or other natural disaster is also covered.”
All precious metals stored with the Delaware Depository are fully allocated and held off-balance sheet, meaning that at all times clients are recognized as the sole owners and titleholders of said metal.
Ph: (877) 527-4657
us.salesinfo@brinksinc.com
Better Business Bureau Profile
Brinks has been a leader in hard asset logistics for over 150 years. With clients in over 100 countries and 1,200 operations facilities, Brinks has secured its market position as the world’s largest tangible asset logistics company.
Brinks has state of the art storage facilities and “all risk” insurance coverage.
International Depository Services
Ph: (888) 322-6150
info@IDS-Delaware.com
International Depository Services (IDS) is a CME Group and Intercontinental Exchange approved precious metals depository. They offer state of the art, secure storage facilities equipped with multi redundant security systems and Class III vaults.
IDS also offers geographic diversification with depositories strategically located in Delaware on the Eastern Seaboard, and in the heart of the U.S. in Texas.
IDS provides “all risk” Lloyds of London underwritten insurance protection.
Texas Precious Metals Depository
Ph: (361) 594-3624
notices@texasdepository.com
The Texas Precious Metals Depository is a privately owned, fully underground, state of the art depository.
The full value of all precious metals held in their custody is insured by Lloyds of London against external theft, employee theft, fire, flood and other natural disasters. All storage accounts are audited annually by ADKF, certified public accountants.
Texas Bullion Depository
Ph: (844) 416-GOLD
The Texas Bullion Depository is one of a kind in that it’s the first ever “state-administered precious metals bullion depository”. The establishment of the depository was made possible with the passing of Texas H.B. 483. Per their website, “The Texas Bullion Depository has been designed to ensure the depositor sleeps well at night knowing their valuable precious metal assets are properly accounted for and protected.” All precious metals held at the Texas Bullion Depository are insured by a Lloyds of London “all risk” insurance policy.
For information on safekeeping gold and silver outside of your retirement accounts, read “The 4 Best Gold Storage Options for Ultimate Peace of Mind“.
12. The Difference Between Segregated And Commingled Storage
On your new account application, you will get to choose between commingled and segregated storage. Segregated storage is not available for silver because it’s bulky, and you get so much of it for your money.
With a segregated storage account, your precious metals will be cataloged, marked with your name and IRA account number, and stored within your custodian’s section at the vault. Later, when you choose to either sell your metals or take an in-kind distribution (a distribution of the physical metals), you will receive the exact coins or bars that you initially purchased.
Commingled storage means that your precious metals will be held in a segregated portion of the vault for your custodian but will be commingled with other clients’ metals. Later, when you choose to either sell or take an in-kind distribution, you will receive “like” precious metals, meaning the same type of coin or bar, not the exact ones you originally purchased.
Your precious metals are subject to a rigorous examination process and must be in perfect Brilliant Uncirculated (BU) condition to be accepted at the depository. Therefore, most clients opt for the more affordable commingled storage.
13. Understanding Gold IRA Fees
Physical precious metals have a higher cost than digital gold. For example, if you buy shares of a gold fund or ETF, you don’t own any real metal, therefore there aren’t any shipping or insurance costs.
However, investors that insist on 100% sole ownership of their metals tend to not mind the slightly higher fees because of the peace of mind that comes from having a tangible asset.
Most gold and silver dealers are market makers, meaning they make a buy price and sell price for every item in their inventory. If the dealer’s buy price was the same as their sell price, they would not make any money and would be out of business quickly. The difference between the buy and sell price is known as the spread.
Below is an actual buy/sell spread example from the web on 9/21/22. If a dealer sells a 1-ounce Gold American Eagle bullion coin for $1,859, and at that same moment will buy it back for $1,735, their buy/sell spread is 6.67%. It’s important to remember that every bar and coin carries a different buy/sell spread and that the spread can change over time due to supply and demand conditions.
When it comes to buy/sell spreads, Southern California dealers are typically the most expensive. In fact, investors lose hundreds of millions of dollars annually in excess fees from this region’s gold IRA companies. Chances are you’re either already in communication with one of these overpriced dealers or you’ve at least seen their ads due to their enormous marketing budgets.
These firms generally have appealing brands and conservative celebrity spokespersons, but they will likely charge 20% or more over discount dealers’ pricing.
Warning signs of overpriced gold IRA companies:
- Southern California location
- Conservative celebrity spokesperson endorsements
- In business ten years or less
- Offer you free gold and silver with your IRA transfer
- Offer to pay your custodian and storage fees
- Exclusive coin offerings difficult to price check
- Extremely expensive conservative TV or radio ads
If the gold IRA company you’re working with exhibits two or more of the above warning signs, you may be paying 20% more than you need to.
| Account Set-Up | Annual Account Fees | Storage/Insurance (Commingled) Fees | Transaction Fees | Total First Year Fees | Annual Fees Thereafter | |
|---|---|---|---|---|---|---|
| Strata Trust | $50 | $95 | $100 | $75 | $320 | $195 |
| Equity Trust | $50 | $100 | $100 | $30 | $280 | $200 |
14. Don’t Be Misled By “Best Gold IRA Companies” Review Sites
Upon first glance, an “independent” website claiming to have researched the “Best Gold IRA Rollover Companies of 2021” may seem like a godsend. But upon closer inspection, you’d realize these sites are paid affiliates of the gold companies they are promoting.
These affiliates are typically paid an upfront fee and a commission of 3-6% of the gross value of your gold IRA rollover.
Below are examples of “Best Gold IRA Companies” review sites along with their disclosures that state how they “may be” paid by the dealers they’re recommending.
One of the referral sites above even lists a California dealer recently sued by the Los Angeles City Attorney for fraud against senior citizens as a “Best Gold IRA Rollover Company”. It’s better to learn beforehand that many of these so-called “Top Gold IRA Companies” are actually the highest priced dealers in the industry.
And lastly, the following quotes about affiliate sites were taken directly from an online complaint forum.
“Had I known from day one that ***** ****** paid online affiliates to create fake reviews, I would have never attempted to do business with them.”
“I found that ***** was paying for endorsements on more than 225 websites.”
15. Why You Want To Avoid “Free Gold Or Silver” Promotions
If it sounds too good to be true, it probably is. When a dealer offers you “FREE” gold or silver, the cost comes directly out of your account balance. These promo dealers typically charge 20% more than you should be paying to make up for the cost of your “FREE” coins. If you fall for this trick, you could end up paying an extra $20,000 for every $100,000 invested.
Below are examples of free metal promotions that result in investors drastically overpaying for their metals.
16. Avoid “Free Rollover” And “Zero Custodian Fees” Promos
Every self-directed IRA custodian charges for their service, and we have listed links to their fee schedules in section 6 of these 19 essential facts. So why are so many dealers willing to cover these fees for the client? Some dealers use your desire to get something for nothing to entice you into choosing their overpriced products.
Make no mistake about it, you’re paying your account fees one way or the other. Just like with “Free Gold Scams” listed above, your dealer will likely overcharge you by 20% or more for your metals. Trading 20% of your account value to avoid a few hundred dollars in custodian fees is a terrible deal for you, but a real windfall for the unscrupulous dealer.
17. How To Choose A Reputable Dealer
Choosing the right precious metals supplier will have a bigger impact on your success than anything else. There are countless horror stories of folks doing transfers with companies they heard about on a TV or radio advertisement and being fleeced because they didn’t look into their history and reputation. Don’t let that happen to you.
You want your metals supplier to be fairly priced and have an unblemished reputation. Therefore, you should acquire all-important public information before contacting a gold dealer. Here are two surefire methods for learning about a gold IRA dealer’s public reputation.
- Search the dealer’s name on Google followed by the words lawsuit, scam, and complaints. Well-funded dealers use reputation management tactics to bury the negative results so you should check 30 or 50 pages deep for each search term.
- Call us, and we will supply you with third-party public information on all the dealers you are considering for your gold IRA rollover. This takes two minutes and will absolutely help you discover the facts you need to make a smart decision.
So always call us at 800-300-0715 to get background information on the providers you’re considering. We only supply third-party public information. These reputation reports could save you thousands of dollars and eliminate the stress that comes from dealing with a problematic gold IRA rollover firm.
After you’ve established that your chosen dealer has a clean record, you may want to confirm how long they have been in business. According to the Bureau of Labor and Statistics, 20% of small businesses fail in their first year, while 50% fail within 5 years. You may find it prudent to steer clear of companies that have not been in business with functioning websites for at least 10 years.
To confirm how long a gold IRA rollover company’s website has been online, check out the internet archive. Click on https://archive.org/web/, then type the company’s website URL into the search bar. You should see results like this, confirming that their website has been online for many years, in our case 19 years.
Whereas the following firm has only had an online presence since 2016.
18. How Have Gold IRAs Performed?
The following gold chart shows the price trajectory from August 5th, 1997, when precious metal IRA accounts were enacted, through March 1st, 2023. The average annual return for gold over this period is 18.08%.
19. Can I Take Possession Of My Metals With A Checkbook IRA?
No. The following paragraph is a quote from the IRS FAQs on IRA investments. It refers to breaking the IRS self-dealing rule by holding IRA precious metals outside of an IRS-approved non-bank trustee (depository).
“Gold and other bullion are “collectibles” under the IRA statutes, and the law discourages the holding of collectibles in IRAs. There is an exception for certain highly refined bullion provided it is in the physical possession of a bank or an IRS-approved non-bank trustee. This rule also applies to an indirect acquisition, such as having an IRA-owned Limited Liability Company (LLC) buy the bullion. IRA investments in other unconventional assets, such as closely held companies and real estate, run the risk of disqualifying the IRA because of the prohibited transaction rules against self-dealing.”
Source: https://www.irs.gov/retirement-plans/retirement-plans-faqs-regarding-iras-investments
Keep in mind that you always have access to your precious metals, but if you take a distribution from any IRA account except a Roth, it’s a taxable event. Also, if you are under 59.5 years old, the IRS will impose a 10% penalty for early withdrawal.
Edward Albert
05:32 23 Feb 23
I was looking to liquidate the precious metals in my IRA . The horror stories I had heard of about some gold and silver dealers had me very apprehensive. When I called Certified Gold Exchange and talked with Patrick, I quickly felt a sense of trust in his voice. He answered all my questions and understood my fear of getting taken advantage of. He and his team work very hard behind the scenes ensuring the transaction to go smoothly. As a result CGE has earned my 5 star rating! I will contact them again if I want to buy or sell in the future!
ALAN BROWN
23:47 21 Apr 22
Certified Gold Exchange's website really jumped out to me as I began researching precious metal IRA's. I found it to be incredibly comprehensive and informative, answering questions I did not even know to ask and alerting me to bad practices within the industry as well. So, I called and found the CGE team to be every bit as helpful as the website. They were responsive immediately and throughout the process of establishing an account and funding it. They were particularly helpful when dealing directly with my current custodian and getting funds rolled over. Pat and Mary have been courteous, personable, and very professional working with me and even helped with questions outside the immediate business at hand. I have already referred friends to CGE and will continue to do so.
Alison Weinberg
15:40 15 Oct 21
Pat and team are very knowledgeable and professional!
Ismail Kenessy
13:13 09 Jul 21
Customer since 2005. Professional, courteous, and helpful. CGE walked me through the process and provided the best prices available with minimum costs. Excellent service.
Joe Murray
16:33 19 May 21
What super service I received from the Certified Gold Exchange precious metals IRA team. Wow is all I can say! I had a large amount of coins in a gold and silver IRA for many years and decided to sell. I spent just about a whole day talking to several metals dealers about purchasing my metals. Call after call I did not feel good about what I was hearing with these dealers so I called the company that helped me set the gold and silver IRA up. Their name is Broad Financial LLC. I explained the problem I was having with finding a buyer and they said that is common in the industry. They told me to call the Certified Gold Exchange, Inc in Fort Worth, Texas. I spoke with Mr C there and was impressed that their quote was above the spot price (because I was hoping to get the spot price). They explained that American Eagles buy back at over spot and I said not with all the other dealers I called. I shipped the metals to their New York depository following the Certified Gold Exchange's instructions. Candace at CGE tracked the package every step of the way and I was updated along the way. Then when my metals arrived at the Certified Gold Exchange depository they told me that several of my coins were actually American Eagle Proof coins, not the bullion version I thought I had. They increased their original quote by $3000.00 dollars! Shocking that a company would be so honest because they could have just sent the original amount and I would have been happy. Needless to say I will never deal with a different metals dealer except the Certified Gold Exchange. Their gold IRA team is the best by leaps and bounds. I highly recommend Candice, Mr. C and the CGE team to any one looking to buy or sell metals with a great experience. Americans trusted source For Gold is not just a tagline with these folks.
ted okolowicz
23:30 29 Apr 21
After searching and checking out different metals companies, I decided that Certified Gold Exchange Inc. was my choice. They have exceeded my expectations and made my IRA rollover easier than I thought.You can be very confident by the way every step was handled (very professional).So kudos to the whole TEAM and thank you
Joseph Glassman
15:27 20 Apr 21
I had a very good experience with Certified Gold Exchange and I highly recommend anyone considering a IRA Rollover into precious metals, talk to David White at Certified and do business with them. They are honest and will have your best interest as their concern.. David took care of my needs completely with honest and fair pricing. I shopped around and decided on Certified.
Lefty and Mary Jamora
21:47 13 Apr 21
Thank you David and Pat for educating us on the gold and silver markets. Pat especially helped us thru our first purchase of silver.
M Phommahaxay
02:48 26 Mar 21
So glad I found CGE! Although, they don’t do business in my state, David White was so kind to take the time out of his busy schedule to educate me on precious metal investing. His advice was extremely valuable which saved me a ton of money. I would definitely recommend and refer any of my friends or family members interested in investing in precious metals in their service area. So thankful for David and this company!
Rickey Johnson
17:30 18 Mar 21
My experience so far with Certified Gold Exchange was all very positive. Everything went smoothly and P. Collins was awesome in helping us navigate through the process.
Aaron Brabham
18:08 02 Mar 21
I called Certified Gold Exchange to get information on a crypto currency IRA. I had a ton of questions and Steve not only answered all of them but also informed me of many things I had not thought of.I decided to invest $60k and in just three months it's over $120k! Not only that, the team at Certified Gold Exchange has excellent customer service.I highly recommend them.
Mark OLeary
19:16 26 Feb 21
Philip with the certified gold exchange was incredibly helpful in helping me to setup a Cryptocurrency IRA. He knew exactly what questions to ask my existing custodian to make the rollover as seamless as possible. In just a short few months with the recommendations of Philip; I have already seen over a 250% return on my investment. Highly recommended.
Gal Tab
02:50 25 Feb 21
The reason I give it the maximum stars is because everything happened just the way they planned it. I invested a considerable sum of money with them and as anyone would be, I was a little scared. I did my research and They came highly recommended as being ethical brokers. Their fees are very competitive and look forward to doing more business with them.
Diana Fincher
01:45 25 Feb 21
I rolled over my IRA into Silver a couple of years ago and made a friend! Agent Pat C, Certified Gold Exchange, Inc., has far exceeded my expectations with continuing, careful watch over my investment. He always surprises with immediate personal response to my slightest question and inspires confidence to hold to The Plan. Pat’s personal touch and excellent recall is reassuring and has proven that he will keep me informed when any changes are advised. Ask for Pat - he’s excellent, excellent!
Steve Astin
22:18 24 Feb 21
This was the 3rd company I called and by far the most professional. Thanks Patrick for the great service!
Alicia O'Rear
16:08 24 Feb 21
Thank you for donating 16 bibles for our foster children at Albuquerque Christian Children's Home! This is a wonderful company with a heart for ministry.
Kyle Sanders
19:14 11 Feb 21
I was interested in doing a gold IRA rollover and contacted several firms after researching on the web. Certified Gold Exchange's website had the most useful information by far compared to other firms. Their representatives have been a pleasure to work with--professional, answered every question I had, and I'd recommend them to anyone looking at a gold IRA rollover.
Robby Bryant
17:02 11 Feb 21
I am a Certified Financial Planner, and Certified Gold Exchange has helped us purchase gold for 16 years without a hitch for our clients and at excellent prices. We couldn’t be more satisfied!
Anne Sayre
23:27 14 Jan 21
My husband and I were thrilled with the service we received at Certified Gold Exchange! Shipping our gold to us was quick and very simple. So happy we did not have to pay for the TV advertisements with celebrities like so many of the other precious metal companies. We will be buying again from CGE!
Neenah Payne
04:47 30 Dec 20
Certified Gold Exchange, Inc. is a highly professional firm that was a pleasure to do business with. It provides fast and accurate service. The firm went out of its way to be helpful on a number of key issues. I highly recommend them. I was extremely lucky for several reasons to have called the Certified Gold Exchange, Inc. when I was ready to sell my gold and silver coins. When I called the firm, Liam on the service desk explained that they scan hundreds of gold dealers to get me the best price. That was very comforting.When I spoke with coin dealer David White, he was able to give me a quote in 3.5 hours. He also explained the importance of shipping my coins via registered mail with the Post Office. David said that the Post Office requires a registered box to be sealed with brown paper tape to prevent tampering. David emailed me links to sites that showed the right tape to use and how to seal the box. He called several UPS stores in my neighborhood to try to find the tape for me. In the end, I bought the tape from the Post Office. David explained that while Fedex and UPS would ship the coins, since they are not allowed to ship gold or silver, I would have no recourse if my coins were lost. David even gave me his home number so I could reach him after hours if necessary.My experience with Certified Gold Exchange, Inc. stands in stark contrast with how two other coin brokers responded. The firm from which I had bought most of my silver coins never called me back. On November 13 when I called the broker from whom I had bought most of my gold coins, I couldn't get through on the phone. So, I emailed them and it took 5 days for them to respond! The broker didn't give me a quote until December 2 -- and then only for some of the coins! He said he would tell me what they would pay for the other coins after I shipped them!In addition, that broker explained that one of their customers had lost all their coins valued at $22,000 because the box was tampered with and they had failed to insure them for the full amount. However, I knew by then that if the firm had told the customer to ship the coins via registered mail as Certified Gold Exchange, Inc. does, the box could not have been tampered with.So, Certified Gold Exchange, Inc. is the only gold and silver dealer I recommend. The level of service is truly remarkable.
Jovita Garces
11:34 10 Nov 20
What do you do with what little you have to put away for the future? After my divorce 16 years ago, I decided I needed to find an IRA and invest my children's money into something that would retain and grow in value through the years. I found a great website called Certified Gold Exchange that intrigued me and when I called, John listened and understood my needs and helped me understand the value of investing in rare coins and precious metals before taking that all important step. I am happy I took a leap of faith knowing the prospect for growth in my precious metals IRA and children's funds for college and maybe first home some day was very real. I believe I made the best choice for our future. I can always trust CGE to give me honest and dependable service everytime I call in them.
Maria S
02:38 12 Sep 20
Patrick Collins and Certified Gold Exchange (CGE) Team: I appreciate the support, you took me on for this transaction when I wasn’t even an existing client. (Yes I know CGE made some money). It was you manner, caring and fast response that made me feel very comfortable with you.Your interest in helping me on such short notice shows how much you care for your clients. I hope 🤞 to have you as one of my financial team in the future.
Natalia Ariza
01:21 01 Sep 15
Certified Gold Exchange is the best metals company in the US hands down!
Paul Lifton
22:52 04 Mar 15
Piper Peterson
22:48 03 Mar 15
It's not always the case with precious metals dealers but the Certified Gold Exchange hires the best advisors in the industry and this is the reason for their outstanding reputation.
Eric Benjamin
15:57 29 Nov 14
We have purchased from several dealers and hands down these guys have been the best. Above and beyond are the words I would use to describe their service. You will not be disappointed if you have been on the fence about buying!
Josh Singer
18:20 04 Nov 14
Working with Certified Gold Exchange has been a great experience. The Certified Gold Exchange staff are very very good communicators and clearly have a lot of experience. Anytime we had a question or needed anything from them they responded the same day, if not the following morning. I would recommend working Certified Gold Exchange. Hands down great communicators and great business people.
Burt Dumerton
21:07 02 Dec 13
I have been working with Certified Gold Exchange Inc. since 2005 and have found them to give exceptional service and prices for precious metals. They have always treated me with great respect and given extraordinary personal attention to my account and to me personally. Their advice on many occasions have kept me from making some pretty serious errors in my investment decisions. They are prompt to return my calls and take special care to not be pushy or arrogant. Excellent to do business with. Give John a call.
Discover What Your Current Gold Dealer Doesn't Want You To Know
