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Gold is patient. While investment trends shift back and forth and investors seek out new opportunities, physical gold sits, content to be forgotten for now. It waits for liquid assets to boil over and investors to remember: gold will always be valuable.
Inflation rates are rising with the heat. Times are uncertain, which means there’s never been a better time to open a gold IRA account. However, as with all precious metal IRAs, it’s vital to know that a trustworthy gold IRA company protects your investment.
We’ve put together this guide to help you understand what type of precious metals IRA account would be most suitable for you. We’ll take you through the best companies around and explain why we’ve made them our top choices for a gold IRA.
We’ll also go over who the best provider is for your needs and which account type might suit you. Not all gold investment companies are created equal.
Let’s take a look at the top companies for a gold IRA.
How to Choose the Best Gold IRA Company
Gold IRA investing is easier today than it’s ever been before. However, this doesn’t mean the easiest account to open will give you the best service. Some gold IRA companies offer better rates and educational resources than others. Unfortunately, some companies are just downright untrustworthy.
We’ve examined dozens of providers to find the best gold IRA company in the U.S. today. The criteria we used include:
- Company history
- Investment options
- Account types on offer
- Client services & customer care
- Reviews & reputation
- Additional benefits
Quick Overview of the Top IRA Investment Firms
Our top choice is American Hartford Gold, a reputable gold IRA company with an excellent track record and amazing reviews from investors. We’ll take you through our top 5 now, offering a quick summary of what sets these companies apart from the competition.
You can find full gold IRA reviews for each company further down the page. Knowledge is king when investing in gold, silver, and other precious metals – take a look to help you invest with confidence.
1) American Hartford Gold
American Hartford Gold is a Los Angeles-based company with a strong commitment to transparency. It’s one of the best investment companies for gold IRA’s alongside other precious metal purchasing options.
- It’s rated A+ by the Better Business Bureau
- The company offers great educational resources for its clients
- It provides a wide range of options alongside its IRAs. These include purchasing gold/silver/platinum coins, purchasing precious metal bars, and a home delivery service
- Fees are transparent. American Hartford doesn’t charge additional liquidation fees and makes the process simple
- Best (Price Match Guarantee)
- Top-quality customer service
Who’s It Good For?
- Investors looking for a wide range of precious metal purchasing options
- Anyone looking for a gold IRA provider that offers the highest level of client care and lowest prices
2) Augusta Precious Metals
This company is our second pick for the best precious metals IRA provider. Its reputation is outstanding, and it provides exemplary customer support.
- Augusta hasn’t had a single complaint to the BCA (Business Consumer Alliance) or BBB (Better Business Bureau) since being founded in 2012. This makes it unique among companies offering gold IRAs.
- It boasts 4 customer care offices to help its clients manage their accounts.
- Its fees and pricing are transparent – you’ll never encounter any hidden costs.
- A Harvard-trained economist curates educational resources for investors.
- Its staff doesn’t earn a commission for sales. Its approach is educational rather than sales-based, making it a much safer choice for investors.
- Support is offered to investors for the full life of their accounts.
- The company focuses exclusively on silver and gold: they know what they do well and put all their resources into those services.
Who’s It Good For?
- Investors looking to create an account that is straightforward and transparent
- People keen to continue learning about the value of investing in precious metals
- Cautious investors who value constant communication
- Anyone looking to create a retirement account that comes with low risk and no hassle
Goldco is an established and trusted gold investment company. It counts Sean Hannity among its many investors.
- It’s an established business in the industry and has been providing investment opportunities for over 15 years
- The company has an A+ rating from the BBB and is rated AAA by the BCA
- Its sign-up process is transparent and its customer service is among the best in the industry
- The company offers a low minimum investment compared to other services
- It also offers clients the option to purchase gold and silver coins alongside its IRA service
Who’s It Good For?
- Beginner investors who benefit from great customer support but may not want to make a huge investment
- Investors who want to protect their assets by investing in precious metals but aren’t as wealthy
- Anyone opening a retirement portfolio who wants to diversify their interests
4) Birch Gold Group
Birch Gold has been in business since 2003, making it a long-standing player in the competitive gold IRA market. It’s one of our top choices due to its long track record of helping its clients make great investments.
- Rated A+ by the BBB and AAA by the BCA
- Offers a wide range of precious metal investment options
- Rewards scheme offers rare coins in return for IRA investments
- Provides guides and great client support to help you understand your investments
- Transparent, affordable pricing
Who’s It Good For?
- Investors who understand the value of gold purchases over time
- Novice IRA users looking for great educational content from a secure company
5) Advantage Gold
Advantage has been a leading business in the industry for almost a decade. It specializes in gold IRA rollover services.
- Advantage makes opening an account easy with its rollover service, working with clients and custodians
- It offers excellent educational resources for customers
- The company has great reviews from its customers
- Rated A+ by the BBB
- Pricing is very reasonable and transparent
Who’s It Good For?
- Beginner investors looking to move their retirement account to a self-directed IRA
- Anyone looking for a company that offers a secure, easy buyback process
Best Precious Metals IRA Companies In-Depth Reviews
Below you’ll find our extended top 5 precious metals IRAs reviews. Vetting gold IRA providers thoroughly is essential before you decide to open an account. As with any investment, there’ll always be an element of risk and there’ll always be dubious parties trying to take advantage.
Good news: we did the hard work for you! We didn’t just remove all the dodgy companies. We sifted through genuine, honest gold IRA investment companies that simply didn’t have what it takes to make our list. The results of our investigation are below – read on to learn why these are the best in the business.
American Hartford Gold review
American Hartford Gold is a family-owned business with its headquarters in Los Angeles. Founded by Sanford Mann to give savers fair access to the precious metals market, the business has grown quickly into one of the best gold IRA providers in the U.S.
The company focuses on educating its clients to help them find the best investment option for their needs. This is often using a precious metals IRA.
Alternatively, it allows clients to purchase gold/silver/platinum delivered to your door. This helps its clients to diversify their portfolios rather than relying on a single commodity.
It offers a wide range of options. These include:
- Canadian maple leaf coins from the Royal Canadian Mint
- American Eagle gold coins
- Gold bars
- Canadian maple leaf silver coin
The account offered by American Hartford has 2 huge benefits compared to other providers:
- No charges or account fees for rolling over an existing IRA to gold/silver/platinum
- There’s no minimum deposit limit for its gold IRA
This makes American Hartford a great choice for anyone with limited savings. Not only can you pay small amounts into gold IRAs (not possible with some providers) but your rollover fees are minimal.
To help you prepare for investing with American Hartford, the company provides a FREE 25-page guide to why you should consider precious metals for a retirement account. The brochure is very detailed and gives a fact-based analysis of the history of the precious metals trade, comparing it objectively with stocks and other tradeable commodities.
Once you open an account, you’ll find that this gold group has one of the best customer care teams around. The company creed is designed around assisting clients with making wise decisions, and this ethos is visible every time you get in touch.
Reviews & Reputation
Known as the favored gold IRA company of Bill O’Reilly among others, American Hartford has an excellent reputation as a trustworthy and experienced investment manager. The firm’s gold/silver IRAs receive great reviews from its clients on sites like Google and Trustpilot.
Meanwhile, investors who have used the company to buy physical gold, silver, platinum, and palladium online report prompt and secure delivery.
American Hartford furnishes its clients with access to 24/7 access to precious metal charts and developments in the market. In addition to its other excellent educational resources, this keeps clients up-to-date and informed. Any questions will be gladly received by the company on its bespoke client hotline.
- No minimum deposit for gold IRA
- Great educational resources
- Superb customer care
- Price match guarantee
- FREE insured shiping
- 100% FREE rollover
- Up to 2,500 in FREE silver
- Hard to find info on some fees
American Hartford isn’t just a great place to open a gold IRA. It’s also the best place to buy other precious metals and diversify your investment portfolio.
Right now (when this post was updated last time) you can take advantage of the company’s Price Match Guarantee and save up to 30% on gold and silver. For more info check this updated source or call 866-250-5090 today!
Contact American Hartford Gold
Augusta Precious Metals review
Augusta Precious Metals was founded in 2012. Its founder and CEO, Isaac Nuriani, launched the company intending to help savers make educated decisions about their investment opportunities. Nuriani is also a member of ethics.net and through Augusta, he is committed to providing transparent, honest gold IRA rollover options for savers.
This gold IRA company only deals in gold and silver. Gold IRAs are its main service, where it offers extremely competitive rates for investors. The company goes out of its way to educate its customers on the best types of physical gold and silver for their investments.
Its education-centered approach sets it apart from many competitors. These services offer impressive investment options, but no other gold IRA companies offer the same level of investor education as Augusta. It helps its clients choose the best types of precious metals for their savings and shows them how market fluctuations affect risk in the precious metals industry.
This education is overseen by Devlyn Steele, a Harvard-trained economist. He shares the CEO’s passion for helping customers make informed choices and understanding how precious metal IRAs can offer greater benefits to the saver than a traditional IRA, which often benefits Wall Street bankers more than the saver.
In addition to its gold or silver IRA service, Augusta allows customers to invest directly in the precious metals market. It provides access to extra educational resources to help you understand the risk of holding solid gold/silver bullion or coins that aren’t protected by an IRA. This means that customers know the risks of purchasing precious metals before they begin.
We’ve discussed the incredible educational resources offered by Augusta. What’s more remarkable is that so much of their educational material is accessible to savers before you even open an account. In fact, you can get on a one-on-one webinar with a Harvard-trained economist for FREE without any obligations to do business with Augusta Precious Metals.
The company won’t push you to make a decision – when you get in touch, you simply have to fill out a form registering your interest. They’ll set you up with a wealth of high-quality educational material about how precious metals IRAs work. This also provides a fascinating background into the history of gold prices and the stability of precious metals relative to investments like the stock market.
Augusta’s core values are about prioritizing customers over quick profits. This is why its approach is so education-driven, and also why its employees don’t earn commission on sales (don’t worry – it’s more than made up in their base salaries!). You can guarantee that you won’t encounter the aggressive and occasionally hostile tactics used by the sales teams some other providers.
When you set up an account, you’ll discover that their educational resources are matched by their customer care. Augusta has 4 dedicated teams ready to take care of its clients’ investments. You’ll immediately be assigned a personal account manager who will be your constant point of contact for the lifetime of your account.
This is another feature that makes it stand out from other gold IRA companies that didn’t make it to this list. Plus, you’ll never end up on hold!
Reviews & Reputation
Augusta Precious Metals has an unparalleled reputation among companies offering gold and other precious metals IRAs. This is because since it was founded in 2012, not a single complaint has been made about Augusta to the Better Business Bureau or Business Consumer Alliance.
This superb record is borne out by the company’s customer reviews on sites like Google and Trustpilot. Clients report superb customer service, excellent rates, and a straightforward sign-up process that has enabled them to put their savings into precious metal IRAs with confidence.
The company was also reviewed among dozens of god IRA companies by legendary quarterback Joe Montana’s investment advisors. They determined that Augusta was the best, leading Joe to anonymously observe an educational web conference.
By his testimony, the education-driven approach didn’t just help him understand why opening a gold IRA was worthwhile – he offered to become a spokesman for the Augusta gold group! Joe Montana represents them to this day.
The company handles the vast majority of the paperwork for you. However, there’s a huge difference between being brusquely handed a form and told “sign here, please,” and having gold IRA investments explained to you in accessible terms before you sign up. Augusta Precious Metals offers the latter kind of service.
- Amazing educational resources
- Client-focused approach
- Transparent, affordable fees
- Top-quality customer care
- Excellent reviews
- Very secure
- Can’t order precious metal coins online
In our view, Augusta Precious Metals is the second best gold IRA company operating in the U.S. today. There’s so much to like about its offering and virtually no weaknesses. Its superb reputation also helps put our minds at ease.
That’s why we’ve given it our #2 spot on this list of the best gold IRA companies.
Contact Augusta Precious Metals
Goldco was founded in 2006. It’s a privately-owned company that specializes in gold and silver IRA investment opportunities. It’s one of the best gold IRA companies for savers looking to make a little go a long way. This is a laudable service, as precious metals are often considered out of the reach of everyday people as an investment.
The company’s main investment option is silver and gold IRAs. When you register interest, you’ll be guided through the types of precious metals that you can invest in. Strong educational resources help you understand what the best type of investment for you is.
You can also buy gold coins as investments outside of gold and silver IRAs. You need to have a secure place to store any precious metals – the Goldco Gold Group can advise you on how to look after savings in this way.
The company offers a self-directed IRA. Approved gold investments will be handled through a custodian – Goldco provides a list of excellent choices for this purpose.
It’s also worth noting that this provider has a lower minimum deposit than other platforms. This makes it accessible to the millions of American savers who don’t have huge amounts of wealth stored away but deserve to be able to protect their savings.
This provider offers excellent customer service and is a superb place to start for inexperienced investors.
Gold individual retirement accounts are a great way to keep your money safe and tied to a precious metal with a very stable value. Top gold IRA companies like Goldco will give you all the information you need to understand what to expect from your investment.
Reviews & Reputation
Goldco is a well-regarded platform that has been operating for a decade and a half. In that time, it’s racked up thousands of positive reviews from satisfied customers and accolades from several prestigious publications. It was also noted by Inc. 500 as one of the fastest-growing businesses nationwide.
Goldco is also rated highly by the BBB and BCA, obtaining ratings of A+ and AAA respectively.
One of the most common observations in Goldco’s many positive reviews is that the company is transparent and easy to work with. This makes it an attractive gold IRA business for inexperienced investors to work with.
- Very transparent
- Affordable prices
- Low minimum deposit
- Good educational resources
- Well-regarded provider
- Up to 10,000 in Free silver
- No platinum and palladium
We consider Goldco to be one of the best gold IRA companies in the U.S. It’s been around for a long time and has built a superb reputation as a transparent provider that offers gold IRA services at rates that the everyday consumer can afford.
Contact Goldco Precious Metals
Birch Gold Group review
Founded in 2003, Birch Gold Group is one of the oldest companies offering gold IRAs today. Throughout its almost 20-year history, the provider has helped many thousands of clients manage their savings in a gold IRA.
The company’s main offering is a gold and silver IRA. It has a straightforward process to help you move from your existing IRA to an investment in gold, with minimal paperwork and maximum peace of mind.
It places trust at the heart of its investment strategy, working closely with its clients to help them understand the risks and benefits of investing in precious metals. Its fees for the IRA are competitive and the scheme includes some attractive perks – for example, each investment of $5,000 could see customers earn a free American Eagle silver coin. That’s an extremely impressive interest rate.
In addition to its gold IRA, Birch also offers purchasing options for a range of precious metals including silver, palladium, and platinum. It provides secure storage and shipping and helps clients understand why sometimes ultra-rare metals like palladium can be better investments than traditional options like silver and gold.
Birch Gold Group specializes in helping its clients diversify their portfolios. When you go to open a gold IRA with the company, you’ll learn why tying part of your retirement savings to gold prices is an excellent augmentation to conventional stock options and savings accounts.
You won’t be pressured into opening an account – the company’s superb educational resources are available to potential investors to help them make a confident and informed buying decision. When you’re ready, the process of opening an account is very straightforward.
The company operates on an “open book” policy. This means that whatever kind of questions you have and whatever you’d like to discuss concerning your savings goals and motivations, you’ll be heard. Helpful, considerate advice will be offered by the top-notch customer care team.
When you’re choosing the best gold IRA company, it’s important that you feel fully secure every step of the way. If you ever have doubts about investing that an investment firm can’t give you answers for, that’s typically a sign that you should find a company that can answer those questions.
This provider takes all the time you need – zero pressure – to help you understand your investments and make the right choice.
Reviews & Reputation
Birch Gold Group is rated A+ by the BBB and AAA by the BCA. Its consistently high ratings along with the overwhelmingly positive response of its customers are especially noteworthy given how long Birch has been around.
Many investment firms arrived in the last 5-10 years, but Birch has been getting rave reviews from its clients for almost 20 years. This is what sets it apart from younger pretenders.
Consistency is everything in gold investment. Consistency is what gives precious metals their reputation as the most reliable assets of all. This firm has consistently proven itself to be one of the best gold IRA companies in the U.S. and its clients’ trust is well-founded.
Fun fact: the Birch Gold Group headquarters is directly opposite Warner Bros Studios, the gold standard of the silver screen, in the golden state of California.
- Reputable company with a long history
- Transparent and approachable
- Great educational resources
- Top customer care
- Excellent perks for account holders
- It offers a wide range of precious metal purchasing options
- Starting investment is higher than some companies
Birch Gold Group has been leading the gold IRA industry and pioneering its best practices for almost 2 decades. On the strength of its customer reviews and service, it looks to remain at the forefront of precious metal investments for many years to come. A highly recommended investment company.
Contact Birch Gold Group
Advantage Gold review
Advantage Gold was founded in 2014. It offers a premier gold IRA rollover service, helping savers move their funds from a traditional IRA into precious metals.
Silver and gold IRA services are the foundation of Advantage’s offering. It provides savers with excellent educational resources to help guide them towards prudent investment decisions. The firm’s ethos is that the best clients are those who understand the investments they’re making.
This sets top gold IRA companies like Advantage apart from many stock and commodity trading firms and platforms. These often provide a cursory nod to educating their investors but are more than happy to take money when they know an uneducated client’s investment choices will lead to losses. It’s a major advantage of gold IRA investing over other strategies.
The company also allows users to purchase precious metals such as platinum, silver, and palladium for personal investments. This helps to diversify a portfolio and create a balanced, reliable set of options for savers.
Advantage offers a gold IRA account that is easy to set up and even easier to use for smart investments, given the wealth of expert advice the company offers its clients.
It also offers competitive buyback services if a customer decides to close their account. Their policy is to reimburse customers to the minimum spot price of the physical precious metals in their IRA. The buyback is also very quick, taking less than 24 hours according to the business.
Advantage boasts top-level customer service. From the moment you get in touch to express interest in a precious metals IRA, you’ll be provided with useful information about the history and nature of precious metal investments. The company explains this in detail and isn’t pushy with its marketing – it gives potential clients all the time and space they need to make an informed buying decision.
When you’ve become an investor, you can look forward to industry-leading customer care. Whenever you have a question, you can call your account manager who will be happy to talk it through with you and offer helpful advice.
Advantage offers a choice of 2 well-regarded custodians to manage your investments. Both custodians have reasonable fees, although STRATA is slightly more affordable than Equity. Your account manager will explain the services and benefits of each custodian when you book a call.
Reviews & Reputation
Advantage won the Best of TrustLink prize 5 years in a row between 2016 and 2020. It boasts a 10/10 rating on the site alongside an A+ rating from the BBB and an AAA rating from the BCA. Across both services, Advantage has received only 1 complaint in the past 3 years, which was swiftly closed.
This company prides itself on transparency and it includes all its reviews on its website. There are thousands of positive responses from clients to peruse if you have the time, but suffice to say Advantage builds great relationships with its customers.
- Excellent educational resources
- Great for beginners
- Superb ratings from customers and bureaus
- Clients benefit from a dedicated customer care team
- Fair buyback options
- Wide choice of precious metals for purchase
- Information on coin pricing isn’t available until you get in touch
Advantage provides savers with competitive rates for gold investing using well-regarded custodians. Its educational resources set it apart from other well-known investment firms while its ongoing customer care is second to none.
A well-managed, experienced gold IRA provider with a rich history of serving its clients well.
Contact Advantage Gold
Gold IRAs: What You Need to Know
A gold IRA is typically used as a secure, reliable way of diversifying your investment portfolio. While the value of gold moves up and down like any other commodity, no other tradeable commodity in history has retained its long-term value so consistently.
Investments in stocks and bonds are useful to have as part of a diverse portfolio. They can accumulate value quickly. However, they can lose it just as quickly. Some never recover. Gold always recovers, which is why a precious metals IRA is considered such an integral part of a successful, diverse investment strategy.
How Gold is Taxed
While it’s held in an IRA, any precious metal is considered tax-deductible. This means you won’t pay capital gains tax on your investment, which offsets the fees you pay for account management.
If you withdraw precious metals to hold in a private location, IRS rules state that they will be subject to capital gains tax. In addition to the increased security provided by the international depository services that IRA companies work with, avoiding this tax is a good reason to keep your precious metals in secure gold IRAs.
Early Withdrawals for Gold IRA
As with a traditional IRA, early withdrawals often come with fees, although there are some exceptions to this. These fees depend on the company – you’ll want to ask about early withdrawal fees while setting up your account.
Another question you should ask is what price the company uses for its buyback option. Bullion should be close to the spot price for the precious metals in your IRA.
According to the IRS, the contribution limit for gold IRAs is $5,000 per year if you’re under 50 and $6,000 per year after that.
Why Do I Need a Gold IRA Custodian?
The custodian is the party in charge of holding your precious metals. A gold IRA company typically works with 2-3 highly-regarded custodians to help its clients manage their accounts.
Trusted, regulated custodians are an important part of holding precious metals because they’re guarantors of the quality of your investment. Without a good custodian, you could be paying 100% purity prices when your physical investment is a much lower grade.
Choosing the Best Precious Metals IRA Company: Step-by-Step Guide
Here’s our step-by-step guide to setting up a gold IRA account and investing in your future.
1) Do Your Research
Our gold IRA reviews are here to help you. We drew up this list of companies after a painstaking review of top companies, cutting through marketing schmaltz to find out which firms are the most trustworthy. Trust is a serious business in precious metal investments.
Unfortunately, many gold IRA providers take advantage of the low level of customer literacy in this field. For something that’s been around for so long, gold is still very mysterious to most investors.
That’s why we’ve prioritized companies offering top-tier educational content above others. Sure, a company might offer start-up account fees of $50 less, but does it give its clients the time and resources they need to understand their investments?
Your research starts here and should continue as you get in touch with a gold IRA company to begin your journey.
2) Choose a Provider
Choose the precious metals IRA company on our list that suits your needs most. Beginner investors should consider working with a company that offers low initial deposit rates and great educational materials. More experienced savers might opt for a company with higher management fees but unbeatable customer care and quality assurances.
You should also decide if you’re interested in purchasing precious metals outside an IRA. Palladium and platinum are extremely rare and can’t be used to underpin an IRA. However, their scarcity means that even without this security, they’re potentially high-yield investments.
It’s worth noting that holding precious metals privately can be risky and might incur extra costs for protecting your assets.
3) Book a Discussion
Now it’s time to start the conversation with a top gold IRA firm. Here’s a good rule of thumb for your discussions: paperwork should be short, conversations should be long.
A trustworthy gold IRA firm will never assume that you know everything about the best investment options from the word go. You should be offered every opportunity to learn about the precious metal market and how IRAs work before talk moves to opening an account.
There should be room for all your questions – and we mean all your questions! Never be afraid of asking something that you feel might be obvious: this is a lifetime investment. There are no bad questions. A company that tries to avoid questions from its investors should never be trusted.
Only when you’re fully satisfied and confident that you’re making the right choice should you sign up for an account. Good gold investment firms will take care of 95% of the paperwork for you – just make sure you read everything before you sign it.
4) Start Investing
Choose a company with a minimum initial contribution that suits your means. You can always invest more later.
Now you’re armed with expert knowledge about investing in a precious metals IRA and working with a company you’re 100% sure you can trust, it’s time to start building your future on the world’s most dependable commodity.
Gold IRA FAQ
Who holds the gold in a gold IRA?
The physical gold is held by a custodian in an ultra-secure vault.
What banks offer gold IRA?
Banks typically steer clear of gold IRAs. It’s a better option to work with a specialist provider.
In addition to the customer care and educational resources, reputable gold IRA companies tend to be much better than what you find at banks.
Can you fund an IRA with gold?
There are many providers around today. Unfortunately, the precious metals industry has always been vulnerable to bad actors and dubious promises, meaning that you need to choose your gold investment company very carefully.
Our guide lists the most trusted and transparent companies around today. Take a look over their services and decide which one suits you.
Are gold IRAs worth it?
Gold is an extremely dependable long-term investment. It’s been considered a high-value asset for over 5,000 years and has shown far more resilience than paper money or stock options.
No asset will perpetually increase in value. The price of gold is subject to fluctuations just like anything else. However, as part of a diverse portfolio, gold is an extremely reliable long-term investment.
Choosing the Best Gold Investment Accounts: Final Thoughts
The gold IRA company you choose to invest with should:
- Be highly regarded by trust bureaus
- Offer exemplary educational resources
- Use the highest quality precious metals for its investments
- Charge reasonable fees
- Have an amazing customer service team
- Receive consistently great reviews from its clients
- Be committed to your future
American Hartford Gold is our leading pick for the top gold IRA company today. Every provider on our list meets all these criteria and more. Make the right choice and invest in your future now.