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Precious Metals IRA Rollover - Everything You Need to Know to Succeed

This comprehensive precious metals IRA rollover guide will show you how to:

  • Choose a Precious Metals IRA Custodian
  • Establish Your New Gold IRA Account
  • Buy Precious Metals for Your IRA With Volume Discounts
  • Avoid Common Gold IRA Company Scams

And we’ll answer the questions that may come up as you investigate whether a precious metals IRA rollover is right for you. Please call us at 800-300-0715 to insure you purchase metals with our Price Match Plus Guarantee. So let’s start from the beginning.




What is a Precious Metals IRA Rollover?

A precious metals IRA rollover is when you move a Traditional IRA or other retirement account to a Self Directed Individual Retirement Account that can hold physical gold, silver, platinum and palladium at an Internal Revenue Service approved depository.

Self-Directed IRA vs Traditional IRA

A Self-Directed IRA allows you to purchase alternative assets including real estate, precious metals, cryptocurrency and other IRA investments. Although legally permitted per IRS regulations, Traditional IRAs don’t allow you to hold precious metals. They limit your retirement portfolio to traditional investments like stocks, bonds and mutual funds.

Parties Involved When Doing a Precious Metals IRA Rollover

  • A self directed IRA custodian to ensure you follow IRS regulations 
  • A precious metals dealer to help you purchase gold and silver coins
  • A depository to safely store and insure your physical precious metals per IRS guidelines

Choosing a Self Directed IRA Custodian

There are two basic types of self directed IRA custodians: those that charge a flat fee to store precious metals or those that use a sliding scale based on the value of your new gold IRA account. We recommend using an IRA custodian with a flat rate storage fee because it’s more cost-effective.

Below are the fees for precious metals IRAs from the two self directed IRA custodians that have a flat storage fee.

Visit our Self-Directed IRA Custodians page for a comprehensive list with links to their fee schedules.

Types of Retirement Accounts Eligible for a Precious Metals IRA Rollover

Traditional, Roth and SEP IRAs are all eligible.

If you have an inactive (old) 401(k), 403(b), 457(b) or TSP, they are also eligible. If you still work with the company that sponsors your retirement portfolio, you may qualify for an “in-service” distribution if you’re 59.5 or older. This simply means you can move a portion of your retirement savings even though you’re still working with the company that sponsored your plan.

Call CGE at 1-800-300-0715 to confirm if your existing retirement account is eligible for a gold IRA rollover.

How to Transfer Funds from Traditional, Roth and SEP IRAs to a Gold IRA

Once your new Self Directed IRA has been set up, you’ll complete a Transfer Request document. This request will transfer funds from your existing retirement account to your new gold IRA.

How to Rollover a 401(k), 403(b), 457(b) or TSP to a Gold IRA

Once you’ve established your new Self-Directed IRA, you will simply call your existing retirement account provider to start the gold IRA rollover process. They will either send a check to your new gold IRA custodian, which is considered a direct rollover. Or they will send the check to you to forward to them, which is an indirect rollover. The best gold IRA companies will contact your current plan administrator with you.

Can I Do a Partial Gold IRA Rollover from My Current Retirement Account?

Yes. Self-Directed IRA accounts are just that, Self-Directed. You alone choose how much to transfer and what assets to purchase. You can choose from platinum and palladium to silver coins or gold bars.

How to Open a Self-Directed IRA

Opening a new Self-Directed IRA is as simple as completing a basic application with your IRA trustee. Your chosen gold IRA company will guide you through the process. Once submitted to your new self directed IRA custodian, your account will typically be set up within 48 hours.

Choosing Your Beneficiaries

Just like with a Traditional retirement account, you’ll have to select beneficiaries. A primary beneficiary is first in line to inherit the account should the IRA owner pass away. A contingent beneficiary would be next in line to inherit the account should the IRA owner and the primary pass away simultaneously.

If you live in one of the following community property states Arizona, California, Idaho, Louisiana, Nevada, New Mexico, Texas, Washington or Wisconsin, your spouse must be your primary beneficiary. Unless, they choose to forgo that right and sign a release on your application.

Interested Party vs Designated Representative Option on Precious Metals IRA Application

The Interested Party designation allows a 3rd party, such as precious metals dealers, to speak with the IRA custodian on your behalf. It is safe and effective because it permits them to obtain information about your account but DOES NOT authorize investing in precious metals without your written authorization.

The Designated Representative option authorizes a Power Of Attorney on your account. DO NOT give this authority to a precious metals dealer. In certain circumstances, an attorney, CPA, or family member may be issued a POA. If you’re working with a gold IRA company that is requesting you assign them as a Designated Representative, call us at once at 1-800-300-0715.

How to Buy Precious Metals for your Self-Directed Gold IRA

To purchase gold and silver for your precious metals IRA, you need to sign an Investment Direction form. This document will outline your quantity, description and cost per item. Your gold IRA company will help you to complete the document. Call CGE at 1-800-300-0715 to confirm you’re buying at the best possible price; it takes less than 2 minutes.

If a gold IRA company insists you don’t need to sign an Investment Direction form, beware. They already have Power of Attorney on your account and will sign the document for you. Some unscrupulous gold IRA companies prefer this method so you never get to see in writing exactly what you’re buying. And they authorize the transaction for you because you’ve appointed them a Designated Representative.




Types of Physical Precious Metals You Can Hold in Your Self-Directed IRA

Physical gold and silver are the most common by far. But other precious metals, like platinum and palladium bullion coins and bars can also meet IRS guidelines.

IRS regulations do not permit you to invest in 3rd party graded silver or gold coins within precious metals IRAs. The only collectible coins allowed in retirement accounts are American Eagle proofs issued by the U.S. Mint.

Buy/Sell Spread (How Much Your Precious Metal Will Cost You)

The “spread” is a term most gold IRA companies don’t want you to know because you sound like you know what you’re talking about. The buy/sell spread is the difference between what a precious metals dealer will buy and sell an item for. The buy/sell spread is how precious metals dealers make their money.

A quick glimpse at the contracts of many Southern California gold IRA companies will reveal spreads between 33-65%. Which means they’re going to charge you anywhere from 33% to 65% more than their costs to acquire your precious metals investments.

If you’re already working with a gold IRA company and want to make sure you don’t lose a huge chunk of your retirement savings, call CGE at 1-800-300-0715.

Commingled and Segregated Storage Options

Once you acquire your precious metals investments, you get to choose how you want them stored. All approved depositories offer two types of storage: segregated or commingled.

Segregated storage is typically reserved for gold investments, or platinum and palladium as well. Your precious metals will be held in a private safety deposit box at the depository.

Commingled storage is when your metal is stored in your custodian’s segregated section of the vault but commingled with other customers’ metals. If you acquire silver bullion as part of your investment strategy, you will have to store your precious metal commingled.




Custodial Valuations of Precious Metals IRAs

Self-Directed IRA custodians use one of the three methodologies to determine the value of your precious metal.

  • The melt-down spot price of the weight of each bar or coin.
  • They receive a third-party depository or website pricing.
  • They ask the client to provide fair market value.

The most common method used to value your gold IRA investments is the spot price melt down valuation. Whereas, the custodian will multiply the number of ounces you hold by the spot price. Below is a screenshot from Strata Trust and how they use the spot price to “value” precious metals IRAs.

How Do I Sell The Gold Or Silver in My IRA?

You simply contact your gold company to execute an Investment Direction form that authorizes them to liquidate the metals in your IRA account. Visit our Sell a Gold IRA page for more details.

How Do I Take My Required Minimum Distribution (RMD) From My Precious Metals IRA?

Per IRS regulations, once you reach 72 you have to take RMDs if you have a Self Directed Traditional IRA. Roth IRAs are exempt. An RMD is a normal taxable distribution.

But with a precious metal IRA, you can take your RMD in one of two ways. You can sell a portion of your gold, silver or other precious metals and take your RMD in cash.

Or you can take an “in-kind” distribution and have the cash equivalent of your precious metals sent to your home which can have tax benefits.

How Can I Avoid Overpaying for My Precious Metals?

Avoid the following:

  • “Best Gold IRA Company” paid review sites
  • Conservative spokesperson endorsements
  • Free gold & silver coin promotions
  • Dealers willing to pay your custodian fees
  • Buying obscure or “premium” coins
  • TV & YouTube commercials with celebrities
  • Expensive NRA or NASCAR type endorsements
  • Gold companies in Los Angeles and the surrounding area

Visit our Gold IRA Scams page for more details.

Why Does CGE Prefer Delaware Depository for Safekeeping My IRA Metals?

Although there are multiple options to store precious metals, CGE prefers the Delaware Depository (DDSC). DDSC has locations on both the East and West coasts. CGE and our partners maintain accounts at DDSC. So when you want to buy and sell precious metals investments from your gold IRA, you don’t have to pay shipping costs. The transfer happens internally which saves you time and money.

Pay Less By Purchasing Directly from the Certified Gold Exchange

If you want to pay less when you invest in gold, silver, platinum and palladium, call CGE at 1-800-300-0715. We search the nation for the lowest prevailing price of the day on your preferred items, and then we beat it. You get an email with the lowest-priced search results before committing to your purchase.

How Silver and Gold IRAs Have Performed Versus The Stock Market

Precious metals have been allowed in IRAs since August of 1997. Since that time:

  • Gold has averaged 20.62% per year.
  • Silver has averaged 16.87% per year.
  • DJIA has averaged 12.40% per year.

These figures were updated on November 1st.


The Most Important Question: How Do I Find A Reputable Precious Metals Dealer?

Three stand-up firms have been in business for more than 20 years without a single client complaint. Contact us at 1-800-300-0715, and we’ll provide you with their names and contact information. CGE is one of them.

Of the three firms, the Certified Gold Exchange is the only one whose focus is on helping investors open a precious metals IRA. Call us for your IRA rollovers, and we will help you to acquire the physical metals for your gold individual retirement account.

Written by Pat Collins and John Halloran

Belinda MurelBelinda Murel ★★★★★ Working with Pat and the team at Certified Gold Exchange made the process of diversifying my retirement savings stress free. I’m confident the selection of precious metals offered were the best fit for my situation and at the best price. No high pressure sales tactics, just fact based answers to the questions and concerns I had. Highly recommend.Timothy FeeleyTimothy Feeley ★★★★★ Working with Certified Gold Exchange has been a positive experience. Working with Pat is not just working with another business vendor, I feel I am working with a trusted advisor. No hard sells. No wild claims. His explanation of the paperwork process between companies and his follow-up during the process is excellent. I appreciate his fact-finding approach to my specific needs. He always had time for me to ask questions and/or discuss ideas I was thinking about. A good business relationship.Warren RichardsonWarren Richardson ★★★★★ I had an excellent experience with Certified Gold Exchange. I dealt directly with Pat Collins who was professional, knowledgeable, informative, and very easy to work with. He responded quickly and precisely to any and all of my questions. Very highly recommended!Edward AlbertEdward Albert ★★★★★ 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 BROWNALAN BROWN ★★★★★ 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 WeinbergAlison Weinberg ★★★★★ Pat and team are very knowledgeable and professional!Ismail KenessyIsmail Kenessy ★★★★★ 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 MurrayJoe Murray ★★★★★ 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 okolowiczted okolowicz ★★★★★ 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 youJoseph GlassmanJoseph Glassman ★★★★★ 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 JamoraLefty and Mary Jamora ★★★★★ 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 PhommahaxayM Phommahaxay ★★★★★ 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 JohnsonRickey Johnson ★★★★★ 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 BrabhamAaron Brabham ★★★★★ 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 OLearyMark OLeary ★★★★★ 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 TabGal Tab ★★★★★ 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 FincherDiana Fincher ★★★★★ 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 AstinSteve Astin ★★★★★ This was the 3rd company I called and by far the most professional. Thanks Patrick for the great service!Alicia O'RearAlicia O'Rear ★★★★☆ 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 SandersKyle Sanders ★★★★★ 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 BryantRobby Bryant ★★★★★ 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 SayreAnne Sayre ★★★★★ 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 PayneNeenah Payne ★★★★★ 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 GarcesJovita Garces ★★★★★ 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 SMaria S ★★★★★ 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 ArizaNatalia Ariza ★★★★★ Certified Gold Exchange is the best metals company in the US hands down!Paul LiftonPaul Lifton ★★★★★ Piper PetersonPiper Peterson ★★★★★ 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 BenjaminEric Benjamin ★★★★★ 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 SingerJosh Singer ★★★★★ 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 DumertonBurt Dumerton ★★★★★ 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.js_loader
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Protect Your Retirement!
Avoid These 10 Gold IRA Scams.

10 Gold IRA Scams Dealers Use On You

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Secure your retirement! Avoid these 10 Gold IRA scams.

Secure your retirement!
Avoid these 10 Gold IRA scams.

    We Do Not Allow Visitors to Our Call Centers. 
    The Certified Gold Exchange is a national volume discount dealer supplying popular bullion and PCGS certified coins. Since 2020 most of our representatives work remotely. We no longer allow visitors to our Fort Worth Call Center but you can still get the same great service by calling.
    Our institutional staff does take visits from bank, and corporate clients. 
    To learn more about this policy please call 800-300-0715

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    Secure your retirement! Avoid these 10 Gold IRA scams.

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