How To Open IRA Financial Gold Retirement Account

Written by Pat Collins, edited and approved by John Halloran | 5.0 Google Review Rating | A+ BBB Rating with Zero Complaints | Serving 58,000+ Investors in All 50 States Since 1992

Content reviewed by Licensed CPA Amelia John on 5/19/26

Page Summary: An IRA Financial gold and silver retirement account is a self-directed IRA that lets investors hold physical gold and other IRS-approved precious metals in tax-advantaged IRA accounts. Backed by IRA Financial, a self-directed IRA custodian founded by tax attorneys, they offer flexibility, checkbook control, and integration with secure gold storage providers. Ideal for investors seeking asset diversification and protection from market volatility.

How to open an IRA Financial Precious Metals Retirement Account

When opening a self-directed retirement account, it’s best to have a precious metals dealer help you with the set up and required documentation. 

• Contact the Certified Gold Exchange (CGE) at 1-800-300-0715
• CGE will assist you in establishing your self-directed retirement account.
• We’ll help you with the transfer or rollover from an existing retirement account.
• We’ll guide you in selecting gold or other precious metals for your account.
• Certified Gold Exchange will ship your gold and other precious metals directly to the secure depository of your choice.

Why Choose IRA Financial for Your Gold IRA?

Looking to secure your retirement assets with a Gold IRA Custodian like IRA Financial? As a leader in self-directed IRAs, they can help you diversify your portfolio with physical assets like gold, silver, platinum and palladium, offering valid protection from rising inflation. 

Say goodbye to hidden fees! Their flat-fee structure means no surprise charges with zero transaction or asset-based fees. Join the 24,000+ clients nationwide who already trust them for expert support and cutting-edge technology, including an easy-to-use mobile app to manage your investments anytime, anywhere.

Whether you prefer the hands-off convenience of a gold custodian-controlled IRA or the flexibility of checkbook control through an IRA LLC, they’ve got options that fit your style. Best of all, they ensure everything stays compliant with IRS regulations while giving you the freedom to invest in what matters to you.

Advantages of a Self-Directed Retirement Account with IRA Financial

Unlike traditional retirement accounts offered by most financial institutions, self-directed retirement plans provide an effective way to diversify your portfolio with precious metals while maintaining full control over your investments.

With options for both traditional retirement accounts or a checkbook IRA you can take control of your retirement like never before. Either plan permit you to invest your retirement funds in multiple assets classes. You can invest in real estate, stocks and mutual funds. You can invest in gold and crypto currencies as well. 

As a leading provider of self-directed IRAs, an IRA Financial IRA allows you to invest in IRS-approved gold, silver, platinum, and palladium, offering the potential for tax-deferred or tax-free growth.

With over 24,000 clients and $3.2 billion in gold and other alternative assets under custody, IRA Financial is a trusted partner to help you build a secure and resilient retirement portfolio.

Step-by-Step Process To Setting Up Your Precious Metals IRA with IRA Financial

Setting up a self-directed IRA is a simple process that gives you full control over your retirement investment strategy. And Certified Gold Exchange will assist you every step of the way to ensure everything is done properly and efficiently.

1. Setting Up a Self-Directed IRA

The first step is to opening a self-directed IRA retirement account. You can complete the application online, or Certified Gold Exchange can assist you through the process.

Once your account is set up, you’ll receive your new IRA account number which you’ll use to fund your IRA through a transfer or rollover.

2. Fund Your Account

There are three main ways to fund your account:

• Transfer: Move funds directly from an existing IRA into your new SDIRA. This is a tax-free transaction that can be initiated with minimal paperwork.
• Rollover: Transfer funds from an eligible 401(k) or other retirement plan into your SDIRA. This is a great way to consolidate your retirement savings.
• Contribution: Make a direct deposit within the annual IRS contribution limits, which vary based on your age and income. This allows you to add new funds to your retirement portfolio.

CGE’s team is available to help you choose the best funding option for your needs and to guide you through the process step by step.

3. Work with Certified Gold Exchange to Select Precious Metals

An aspect of a self-directed IRA involves selecting the dealer you would like to work with. The Certified Gold Exchange has been in business for over 30 years and has never had a client complaint. We specialize in helping investors select the right IRS-approved metals for their portfolio.

But not all types of gold and other metals are permitted in gold IRAs. Gold must meet purity requirements per the IRS. 

For personalized assistance and to make sure you don’t get overcharged by a Southern California dealer that uses common gold IRA scams. , simply call Certified Gold Exchange at 1-800-300-0715, and our team of experts will guide you through the selection process, making it easy to build your precious metals investment.

4. Invest in Precious Metals

Once your account is funded, you can proceed with the purchase of IRS-approved gold, silver, platinum, or palladium. CGE recommends investing in widely traded bullion items like American Gold Eagles or Canadian Gold Maple Leaf coins. Although other items qualify for IRA inclusion, when you hold precious metals in an IRA you want items that have high liquidity like the gold coins described above. 

Once you’ve decided what you would like to invest in CGE will help you complete an Investment Direction form that authorizes the purchase.

Per the IRS the storage of gold must be at an approved depository for safekeeping.

5. Store Your Precious Metals at an IRS Approved Depository

IRA Financial allows you to choose your depository of choice. Per the IRS, precious metals owned by an IRA must be stored at a 3rd party depository.

Three of the most common and well respected depositories they frequently use are:

• Delaware Depository
• Texas Precious Metals Depository
• Brinks 

These gold depositories are highly secure facilities designed to protect your precious metals investments. Certified Gold Exchange will handle the logistics, ensuring a smooth process.

6. Manage Your Precious Metals IRA

With your investments in place, managing a gold IRA is simple. IRA Financial has several ways to track your portfolio using either their website or mobile app. These tools allow you to monitor your holdings and make informed decisions about your retirement investments.

By following these steps, you can take full advantage of a Self-Directed IRA to diversify your retirement portfolio with precious metals, ensuring long-term security and growth.

FAQs

How do I invest in gold for a Roth IRA with IRA Financial?

To buy precious metals for a Roth IRA, you’ll need to set up a self-directed Roth retirement account which allows alternative investments, like precious metals, alongside traditional assets. Contact CGE at 800-300-0715 for help in establishing your new Roth account.

Can self employed individuals use a ROBS solution for buying gold in their IRA?

Yes, self employed individuals can use a ROBS solution to fund their IRA investments, including buying gold. This approach lets you contribute retirement funds from your business without withdrawing money or incurring early distribution penalties. IRA Financial offers the ability to combine ROBS with other solutions to build wealth.

What are the benefits of choosing IRA Financial for gold investments?

Some of the benefits of holding physical gold with an IRA Financial gold IRA is that their services make it easy to manage risk, save money, and grow capital. With a focus on educating investors, they can help you along with CGE to purchase gold and other precious metals in an IRA.

Where can I request more information about IRA Financial’s offerings?

To request more information, you can contact their Sioux Falls office or via text messages. They are committed to helping investors save time and achieve their financial goals. Their house of specialized services ensures you can explore smart retirement solutions tailored to your needs.

How can I sell precious metals within my self directed IRA?

To liquidate gold in an IRA , contact CGE at 800-300-0715 and request a buyback quote. We’ll perform a nationwide search for the high buyback value of your gold and help you with the complete liquidation process. The fees associated with selling gold will be dependent your custodian.

What are the benefits of investing in gold?

A gold IRA allows you to diversify away from more traditional assets while using retirement funds to do so. Investing in metals through your retirement account also enables you to buy and sell in a tax advantaged situation. A gold IRA offers the ability to protect  your retirement savings during time of economic uncertainty. Holding gold in an IRA can also be very profitable in a bull market like we’re currently in. And lastly, gold can help make up for losses you may see with other assets in your portfolio.

Can I take possession of the metal held inside a self-directed IRA?

No. According to the IRS and the self-directed retirement account custodian it would be considered a prohibited transaction.

Conclusion

When you open a Gold IRA with IRA Financial, and the Certified Gold Exchange, it’s a great way to add some stability and diversity to your retirement portfolio with physical gold.

Adding gold to your retirement can help protect your financial future from market ups and downs but also gives you peace of mind knowing your investments are secure and debt free assets. With expert advice, clear pricing and safe storage options, the process is simple and stress-free.

Ready to take the next step and hold gold in a self-directed IRA? Certified Gold Exchange is here to guide you every step of the way. Give us a call at 1-800-300-0715, and let’s get started on your journey into precious metals.  It’s easier than you think!

If you want to compare an IRA Financial gold account to other self directed fiduciaries, visit our full list of gold IRA custodians here.