Please note that the gold IRA companies listed here pay us a small fee if any purchase is made. This allows us to provide our free service to you, and does not affect the price you pay.
Best Gold IRA Companies Reviews
Are You Just One Sensible Rollover Away from
Peace of Mind in Economic Uncertainty?
Compare the best gold ira companies in 2025
Effortlessly roll over your IRA or 401(k) into a self-directed gold ira — no hidden fees
Use precious metals to hedge against market volatility and rising inflation
Discover why diversifying into gold is a smart move for long-term growth
Shield Your Nest Egg • Hedge Against Inflation • Enjoy Financial Peace
Why Consider a Gold IRA for Your Retirement?
In the aftermath of the Financial Crisis of 2007–2008 , millions saw their savings decimated. Today’s economic landscape—with inflation surging and a national debt exceeding $36 trillion—demands proactive strategies.
Without action, your retirement plan risks the same fate.
Fast forward to 2025, as soaring inflation and $36.21 trillion+ national debt disturbingly loom over your hard-earned savings, a potentially worse crisis is brewing in the here and now. The good news? Fortunately, a self-directed gold ira can help you lock in real-asset value and prepare your savings for the next downturn.
With that said, we understand how important it is for you to protect your hard-earned retirement savings and other assets against a rinse and repeat of 2007 – 2008.
As such, that’s why we’ve created this comprehensive Gold IRA Rollover Guide—to simplify your journey and highlight the best precious metals IRA companies for your needs.
Best Gold IRA Companies Reviews for 2025
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Company
Google Rating
With geopolitical tensions, tariff fluctuations, and record deficits, traditional portfolios face new threats. Years of wasteful government spending and quantitative easing are finally causing the world's markets to show some cracks. History shows that gold has often outperformed during crises.
Will these fault lines turn into massive earthquakes or just continued tremors? Although no one can predict every twist in the market, adding gold to your IRA is a proven way to strengthen your portfolio.
If you don’t own gold, you know neither history nor economics.”
How to Protect Your Purchasing Power
Precious metals have safeguarded wealth for centuries. By combining gold with IRA tax advantages, you can defer taxes and potentially boost long-term returns.
Supercharge Your Investment with Tax Benefits
A gold IRA rollover must follow strict IRS rules to avoid penalties. Choosing a knowledgeable provider ensures seamless setup and compliance, so you keep your tax benefits intact.
Putting gold in an IRA isn't difficult but needs to be done correctly, or you can risk penalties or loss of tax benefits. So your choice of a provider is critical. We’ve vetted dozens of Gold IRA companies to identify the 5 best gold ira companies—saving you hours of research.
Diversify • Preserve • Protect
Top Gold IRA companies for 2025: Who Received the Best Ratings?
When you’re researching the best Gold IRA companies to work with, first, it's good to identify your goal. Are you looking to roll over an IRA, TSP, or 401(k) into a self-directed Gold IRA so you will have more control over your future? Or are you starting a new account from scratch?
Especially when you're dealing with a rollover, it must be done right. Regulations are strict, and if you don't follow them, the penalties can be significant, neutralizing the benefits from the precious metal IRA.
So now your research should focus on finding the most reputable firms to consider.
We started with hundreds of precious metals dealers and narrowed the list by focusing on firms that specialize in IRAs and maintain sterling reputations on independent consumer sites.
Every top-ranked company offers free educational materials and no-cost consultations—an important hallmark of a customer-focused gold ira provider.
About the Best Gold IRAs
Nationwide, you’ll find literally hundreds of precious metals IRA companies. But since you’re investing your retirement money, you can’t simply choose one randomly.
You want to select a top provider to ensure your money is invested properly and held securely. We have researched and reviewed the top rollover companies based on their records with the top independent consumer protection websites.
Best Gold IRA Companies Reviews
How We Identified the Top 4 Gold IRA Companies
Many gold and silver dealers nationwide offer Gold IRAs and related services. But not all of them do enough work with Gold IRAs to achieve expertise in that niche. So, we found firms that do significant amounts of IRA business. Then, we set out to filter and rank the firms according to their standings on independent consumer protection sites.
Our gold IRA reviews should be just the starting point for you, as you can and should talk to each firm you're considering. All top-ranked companies provide educational packages to get you up to speed. They also offer complimentary consultations so you can discuss details and get your questions answered. Please note that reputable firms in this space always provide these services free of charge. If a firm does not offer these free services, it may be a red flag that it is not well-established or customer service oriented.
| Gold IRA Company | What They're Best For | Minimum Investment | Storage Type | Google Rating | Ranking |
|---|---|---|---|---|---|
| GoldenCrest Metals LLC | Best Overall | $10,000 | Segregated or Commingled | 5 | #1 |
| American Hartford Gold | Education Focused | $10,000 | Segregated or Commingled | 4.8 | #2 |
| Lear Capital | High Commendation | $10,000 | Segregated or Commingled | 4.7 | #3 |
| Birch Gold Group | High Commendation | $10,000 | Segregated or Commingled | 4.7 | #4 |
The Best Precious Metals IRA Companies Can Help You…
Diversify, Hedge, and Protect Your Savings
Use gold and silver to offset market risks and preserve your nest egg.
Preserve Long-Term Wealth
Protect your retirement savings from stock market downturns.
Own a Trusted Store of Value
Historically, gold has outpaced inflation and currency devaluation.
Inflation is as violent as a mugger, as frightening as an armed robber and as deadly as a hit man.”
If you value assets priced in U.S. dollars, you can’t ignore tariff swings, inflation spikes, and economic uncertainty. A gold IRA helps you prepare.
- Leverage IRS rules to hold physical gold in a tax-deferred retirement account.
- High-net-worth investors and trusts can maximize benefits with these accounts.
Any of our best gold ira companies can help you buy precious metals directly in your IRA and provide the exceptional service you expect when safeguarding your future.
Gold IRA Requirements
The IRS sets strict guidelines for holding metals in an IRA, including:
- Only IRS-approved bullion bars or coins qualify.
- Items must be COMEX/NYMEX accredited and at least .995 pure.
- Numismatic or collectible coins are not permitted, except American Proof Gold Eagles.
- All metals must be held by an IRA-approved custodian.
Follow these rules precisely, or you risk penalties and loss of tax benefits—another reason to choose an experienced gold IRA provider.
Gold IRA Rules
While the core rules are straightforward, a small misstep—like an early distribution—can trigger unexpected taxes and penalties.
In this section, we break down IRS regulations in plain English so you can confidently manage your gold IRA in 2025.
IRA Contribution Limits (2025)
You can contribute up to $7,000 annually—or $8,000 if you’re 50 or older—across all traditional and Roth IRAs. Rollover contributions do not count toward this limit.
60-Day Rollover Rule
If you choose a rollover instead of a direct transfer, you have just 60 days to move the funds into your new gold IRA. Missing this window means your IRA funds become a taxable distribution—and if you’re under 59½, you’ll also owe a 10% penalty.
Required Minimum Distributions
Starting April 1 after you turn 70½, you must withdraw a minimum amount each year. Withdraw more if you choose, but plan carefully to optimize your tax situation.
Use the IRS worksheets to calculate your RMDs: Required minimum distribution worksheets.
For full distribution rules, see the IRS IRA Guide.
Prohibited Transactions
The IRS forbids “self-dealing” (you or certain family members buying or using the IRA assets), lending money to or from your IRA, and other transactions with disqualified persons. Violating these rules disqualifies the entire account.
| Gold IRA Company | What They're Best For | Minimum Investment | Storage Type | Google Rating | Ranking |
|---|---|---|---|---|---|
| GoldenCrest Metals LLC | Best Overall | $10,000 | Segregated or Commingled | 5 | #1 |
| American Hartford Gold | Education Focused | $10,000 | Segregated or Commingled | 4.8 | #2 |
| Lear Capital | High Commendation | $10,000 | Segregated or Commingled | 4.7 | #3 |
| Birch Gold Group | High Commendation | $10,000 | Segregated or Commingled | 4.7 | #4 |
Specific Gold IRA Rules
These rules include important details you need to be aware of when working with any gold IRA company—even the best gold IRA companies—to protect your retirement assets. Be sure to discuss them thoroughly with your provider, and for personalized investment guidance, consult your financial advisor.
The Collectible Coins in IRA Trap
Thanks to the Taxpayer Relief Act of 1997, gold and other precious metals became IRA-eligible—opening a powerful, tax-efficient hedge for retirement savers.
Although setting up a gold IRA feels straightforward, hidden IRS provisions can catch even experienced investors off guard.
Behind its reputation for simplicity lies a web of complex rules and narrow exceptions that every buyer must understand.
As more people seek the security of physical assets, these obscure regulations trip up newcomers and veterans alike.
To make matters worse, misleading online guides and opportunistic dealers sometimes market non-compliant coins as “IRA-approved,” putting your hard-earned nest egg at risk.
Collectible Coins and Section 408(m) of the Internal Revenue Code
Most folks think of collectibles as art or antiques—but many specialty gold coins fall under the same IRS category.
Purchasing the wrong coin can trigger an unintended taxable distribution.
For example, allocating $100,000 of your IRA to “collectible” coins counts as a $100,000 distribution—subject to ordinary income tax.
If you’re under age 59½, you’ll also owe a 10% early withdrawal penalty on that amount.
And when you eventually sell those coins outside the IRA, the proceeds are taxed again as a prohibited transaction—resulting in double taxation.
What Is a Collectible Coin?
Anything sold for rarity, special finishes, or limited runs—rather than pure metal content—is a collectible and not IRA-eligible.
Proof coins, graded slabs, limited editions, and numismatic issues are all prohibited.
Stay on the right side of the IRS with standard bullion coins and rounds with at least .995 purity from IRS-approved mints. You can see all acceptable options here.
True bullion trades at spot price plus a modest premium (typically 5–20%). Always verify IRA eligibility before buying.
Gold and Silver American Eagle Proofs are the Exception
Despite their collectible appearance, American Eagle proof coins are explicitly allowed in gold IRAs.
These mirror-finish coins carry significant premiums—often 50–100% over spot—but our experience with the best gold IRA companies shows the extra cost rarely pays off at resale.
Before you buy, call your dealer for a buyback quote on proof Eagles and compare it to their sale price. You’ll quickly see why most experts recommend sticking with standard bullion. Is the extra shine worth the long-term hit to your IRA balance?
Beware “Collectibles” That Aren’t Truly Rare
Outside of an IRA, numismatic coins can be fun—but inside one, you only care about metal weight.
Some dealers hype “limited-edition” bullion releases or special finishes to jack up margins. Though technically IRA-compliant, these coins carry extra cost without meaningful value.
The best gold IRA companies focus on low-premium bullion that safeguards your retirement savings—no gimmicks attached.
Home Storage Gold IRAs Are NOT Allowed
Your gold IRA assets must reside with an IRS-approved custodian in an authorized depository.
While distributions let you take physical possession, they trigger taxes and possible penalties.
“Checkbook” or “LLC” IRAs that store coins at home may sound appealing, but the IRS requires a bank, credit union, or IRS-approved entity as custodian.
Any attempt to circumvent these rules risks disqualification of your entire IRA—an outcome no prudent investor would choose.
Bottom line: leave storage to the professionals.
Don't Forget the One-Per-Year Rollover Rule
Since January 1, 2015, IRS regulations permit only one IRA-to-IRA rollover every 12 months, regardless of how many IRAs you hold.
Gold IRA Frequently Asked Questions
What Is an Individual Retirement Account?
An IRA (Individual Retirement Account) lets you contribute pre-tax dollars.
For 2025, the amount is up to $7,000 in 2025, or $8,000 if you’re 50 or older—and grow your assets tax-deferred until withdrawal.
How Does a Gold IRA Differ from a Regular IRA?
A Gold IRA holds physical precious metals—like gold, silver, platinum, or palladium—instead of stocks or bonds.
It follows the same IRS rules as a traditional IRA but requires an IRS-approved custodian and approved bullion products.
Why Hold Gold in an IRA?
Gold offers a hedge against inflation, currency devaluation, and market volatility.
Placing gold in an IRA combines this protection with tax-deferral benefits, potentially boosting your after-tax returns over time.
What Is a Gold IRA Rollover?
A rollover transfers funds from an existing retirement plan—such as a 401(k) or traditional IRA—into a self-directed Gold IRA.
Handled correctly, rollovers preserve your tax benefits and let you diversify into precious metals.
Can I Convert Other Retirement Accounts to a Gold IRA?
Yes. Most employer plans and IRAs can be rolled over into a Gold IRA.
Always work with a specialist at one of the best gold IRA companies to ensure IRS compliance and a smooth transition.
What Fees Come with a Gold IRA?
Expect a one-time setup fee, annual custodian and storage fees, and the metal’s premium over spot price.
We’ve vetted our top five providers to ensure transparent, competitive pricing from reputable firms.
Can I Include Silver or Other Metals in My Gold IRA?
Absolutely. IRS rules permit approved forms of gold, silver, platinum, and palladium.
Your chosen custodian will guide you to compliant bullion bars and coins.
How Do I Access My Gold IRA in an Emergency?
While you can’t take a loan from your Gold IRA, hardship distributions are possible if you qualify.
Any withdrawal under age 59½ may incur taxes and a 10% penalty, so plan carefully with your custodian.
Can I store the gold in my Gold IRA in my own home?
Some companies have been marketing home storage options for Gold IRAs, often referred to as “Checkbook IRAs.”
However, we don't believe this is a wise move at this time. The IRS is very clear in its IRS Publication 590-A that a trustee or custodian is required for all types of IRAs.
These home storage firms attempt to work around this requirement. However, we believe this strategy is unproven. Until the IRS formally rules on this subject, substantial risk would be associated with this strategy.
What are the fees associated with a Gold IRA?
Gold IRAs are a specialized product, so the fees associated with these accounts will vary. Usually, you can expect to pay a one-time setup fee, then annual account maintenance and storage fees.
So, check around so that you can find fair prices, and please see our additional company pages for detail about current fees. But be careful…if these fees are deeply discounted, the dealer will probably make it up in other ways, which could be a higher premium on the gold itself.
In our experience, it's best to look for quality companies that are transparent about their pricing.
Can I add silver or other metals to a Gold IRA?
Yes, you can.
IRS rules allow you to add any combination of gold, silver, platinum or palladium in the form of approved bars and coins.
Can I pull money out of my Gold IRA as a loan or emergency withdrawal?
One drawback of the Gold IRA is that it is not as flexible as many employers’ retirement plans.
So, you may not take a formal loan from the Gold IRA. However, if you are under 59 ½, you can take what is essentially a short-term loan from the IRA in case of genuine hardship.
However, it does need to be paid back within 60 days to avoid a steep penalty.
What are the potential risks of a Gold IRA?
A Gold IRA is generally very safe since retirement accounts enjoy many protections.
Your most significant risk is a problem with a precious metal dealer, custodian or a storage facility. That's why we recommend only sticking with the best gold IRA companies in the industry.
Since these firms have proven track records and excellent ratings, they and their custodian and storage partners are keeping customers happy.
You don't want your retirement assets at risk with an unproven company that might rely on equally unproven storage and custodian options.
If the firm you're considering has significant customer complaints, that is a clear warning flag that all may not be well. Thankfully, you have many online resources at your disposal (including this website) to avoid these situations.
What should I look for in a precious metal dealer?
Anytime you’re dealing with money, it's critical to do your research to pick the best possible firm to do business with.
Choosing a precious metals dealer can be more difficult since most major brokerage firms don't offer this service. Here are some tips to help you make the safest choice.
- Track record. This is not the time to take a chance on a new business or a friendly salesperson. Instead, look for firms with proven track records, thousands of satisfied customers, and few customer complaints. Check the Better Business Bureau and other independent consumer protection sites.
- Transparency. Costs should be straightforward and disclosed upfront. If a firm doesn’t answer your fee questions quickly and in clear language, consider that another red flag. Transparency is a sign of an established business not afraid of competition. Plus, you don't want to be hit with fees that you didn’t expect.
- Education over sales. Sales of precious metals is a specialized field. Therefore, firms providing this service should focus on education first, not sales quotas. If you are feeling that you're getting a hard sell, it may be a red flag that the firm's core business is not as healthy as it should be.
- Proactive customer service. You want a firm that helps guide you through the Gold IRA setup process, so there's no question it's getting done right. So look for a firm noted for providing a high service level. Otherwise, you may wonder if it's done correctly. You don't want to find out in 20 years that you aren't getting the tax benefits you expected.
Have a question that we haven't included?
Contact any one of our top 4 Gold IRA companies to get the answer from a Precious Metals Specialist.