Do you plan to invest in
a gold IRA in 2022?

Or maybe you’ve decided to rollover your 403b or 401k into a gold IRA? Choosing
the right precious metals IRA company to work with is the next step to take. Keep reading to learn about our favorite gold IRA companies that we’ve reviewed this year.

DISCLOSURE: We are reader-supported. If you buy through links on our site, we may earn a commission. Learn more.

Pros

  • Thousands of 5-star ratings
  • Highly ranked company with the BBB, BCA, and Trustlink
  • Devlyn Steele, Harvard economist, hosts one-on-one educational webinars
  • Joe Montana: company ambassador and paying customer
  • 5% markup above spot price –the best in the industry
  • Best For High-Range Investments ($200k+): Bigger investments receive better bigger and better benefits

Cons

  • Minimum investment: $50,000 deposit required

Augusta opened their doors in 2012. Since then, they’ve made Joe Montana a client and company ambassador. IRA Gold Advisor has named them “Most-Trusted Gold IRA Company.” And Trustlink has named them “Best of Trustlink” for six years in a row. Best of all, their 5% markup is the lowest markup above spot price in the gold and silver industry.

Goldco-200

Pros

  • Special Promotion: up to $15,000 in FREE silver. Or 10% of your initial investment
  • Low-cost annual fees – best in the industry
  • Invest in cryptocurrencies through Coin IRA, their sister company
  • 6x Inc. 5000 honoree
  • Best For Low/Mid-Range Investments ($25k-$49,999): low markups and great promotions

Cons

  • Minimum investment: $25,000 deposit require

Goldco is a six-time Inc. 5000 honoree and they’ve been accredited by the Better Business Bureau since 2011. They have a perfect A+ rating with the BBB and a top-ranked AAA rating from the BCA. Their new customers up to $10,000 worth of FREE silver. And they were awarded Company of the Year during the 2021 American Business Awards.

Birch Gold

Pros

  • Special Promotion: up to $10,000 in FREE gold and silver. Or 10% of your initial investment
  • Minimum investment: $10,000 deposit required – very low minimum
  • $50,000 deposit for new investors – first year fees waived
  • Invest in cryptocurrencies through Bit IRA, their sister company
  • Best For Mid/High-Range Investments ($50k-$199,999): special promotions, low markups, and free precious metals

Cons

  • Up-to-date pricing unavailable online – must call for prices

Birch Gold has 19 years of experience in the gold IRA industry. There a top-ranked BBB accredited business since 2011. And they have a perfect A+ rating. To help new investors, their special promotion allows them to receive up to $10,000 in FREE gold and silver. Get started today and make the most of their low $10,000 minimum investment.

Pros

  • Competitive pricing on IRA-approved precious metals (No Numismatics)
  • Waive the first-year fees of qualifying new customers
  • Affordable flat rates – no hidden fees
  • Invest in cryptocurrencies through Regal IRA, their joint precious metals and cryptocurrency IRA account
  • Best For Low-Range Investments ($10k-$24,999): flat rate fees, fee waivers, other promotions

Cons

  • C+ rating from the Better Business Bureau
  • D rating from the Business Consumer Alliance

Regal Assets has taken the alternative IRA world by storm. They created and developed Regal IRA, which lets investors purchase precious metals and cryptocurrencies in the same IRA account. They were ranked #20 by Inc. Magazine and recognized as a top financial services company. Plus, they have low-cost fees and a wide range of investments to choose from.

Pros

  • Buyback program – repurchase precious metals at spot price without adding in hidden fees
  • Low recurring fees
  • Special promotion: up to $5000 in free silver for qualifying accounts
  • US Mint trusted gold dealer

Cons

  • Minimum investment: $25,000 deposit required
  • Account setup ONLY over the phone

Advantage Gold has been a BBB accredited business since 2014. With only eight years in business, they’ve achieved impressive accolades. They have a 4.9 out of 5 stars on Trustpilot based on 1366 reviews. Plus, their new qualifying customers can receive up to $5000 in FREE silver through their special promotion.

Pros

  • Minimum investment: $2000 deposit requirement – extremely low
  • Minimum investment: $2000 deposit requirement – extremely low
  • Favorable reviews on Consumer Affairs, Business Consumer Alliance, and Trustlink

Cons

  • New company with less experience than other gold IRA companies
  • Up-to-date pricing unavailable online – must call for prices

Noble Gold has over 20 years of experience as a precious metals dealer. Their CEO, Collin Plume, was a trusted real estate broker and insurance salesman prior to entering this space. Their leadership is strong, they are focused on education, and they offer a wide range of services. This includes non-IRA purchases and a low $2000 minimum investment.

Pros

  • Over 30 years of experience with gold IRAs – long and storied history
  • Special promotion: accounts with $100,000 or more do not pay fees
  • Minimum investment: $15,000 deposit required
  • Highest possible ratings with BCA and BBB

Cons

  • Marketing and promotions geared toward high net worth investors
  • Marketing and promotions geared toward high net worth investors

Patriot Gold Group has been around for more than 30 years and it’s located in Seal Beach, CA. They used to be known as Patriot Gold & Silver. They are willing to waive their fees for account holders with $100,000 or more in investments. They specialize in facilitating precious metals IRAs.

Pros

  • NO minimum investment
  • Perfect ratings from Trustlink and the Business Consumer Alliance
  • Founded by Rich Dad Poor Dad advisor Mike Maloney
  • Top-notch educational resources

Cons

  • Monthly recurring storage fee – 0.06% basis instead of a flat fee
  • F rating from the Better Business Bureau

Goldsilver was founded by former Rich Dad Poor Dad advisor Mike Maloney. He has an excellent reputation, provides top-notch education, and understands the precious metals market better than most. Goldsilver has perfect ratings from Trustlink and the BCA. Their low-cost monthly storage fee structure is ideal for smaller investors or those who treat this more like a hobby.

Pros

  • NO minimum investment
  • Low-cost commissions
  • Customer support available six days per week

Cons

  • Up-to-date pricing unavailable online – must call for prices
  • Few reviews and very little customer feedback – too much uncertainty

Cornerstone Bullion is a solid precious metals dealer operating in the United States. It was founded by Chad Roach, an alternative investment specialist. The company has perfect ratings on the BCA, BBB, and Trustlink. They provide customers with their handy Precious Metals 101 Guide to simplify the buying process.

Pros

  • FREE IRA rollovers
  • 9 out of 5 stars on Trustpilot
  • Minimum investment: $7500 deposit required for IRA
  • Minimum investment: $1500 for non-IRA purchases

Cons

  • Recurring storage and maintenance fees: $350-$500 annually – higher than most gold IRA companies
  • Limited customer service availability on weekdays; none on weekends

Oxford Gold Group is owned by an alternative investing specialist working in the industry for more than 20 years. This precious metals IRA brokerage works hard to provide a personalized experience for their customers. They have a low cost $7500 IRA investment minimum and Trustpilot has given them a near-perfect 4.9 out of 5 stars.

Top 10 Gold IRA Companies

7 Critical Factors Test: My Evaluation Process for Determining the Best Gold IRA Companies in Existence Today

It might seem impossible to find the right Gold IRA company to meet your needs. There are dozens to choose from, which makes this a daunting process for the uninitiated.

Have no fear, because I’ve developed the 7 Critical Factors Test. This test was devised to find out the best and brightest in the precious metals IRA investing space. And it works because I’ve used it to narrow down my top 10 list.

They include the following categories:

  1. Online Peer-Reviewed Ratings
  2. Types of Precious Metals
  3. Precious Metals Buyback Program
  4. Stockpiling
  5. Total IRA Costs
  6. Account Setup & Delivery
  7. Customer Support & Salesmanship

What makes up the 7 Critical Factors? Continue reading below to learn more.

7 Critical Factors Analysis

1. Online Peer-Reviewed Ratings

I like to start here by analyzing each company on the Better Business Bureau, Business Consumer Alliance, and Trustlink websites. They use these resources to find each company’s business rating and online reviews. I also like to determine whether or not they received any customer complaints.

During this evaluation stage, I determined that Augusta Precious Metals, Goldco and Birch Gold dominated the online peer-reviewed websites.

Here’s a quick breakdown:

  • Augusta Precious Metals – they have FLAWLESS ratings on the BBB, BCA, and Trustlink. They’ve also received hundreds of 5-star reviews and their customers love them.
  • Goldco – they have near-perfect ratings on the BBB, BCA, and Trustlink. They’ve also received hundreds of 5-star reviews. They’ve had a few customer complaints that were resolved very quickly.
  • Birch Gold – their ratings on the BBB, BCA, and Trustlink are also near-perfect. They have hundreds of positive reviews (many of them 5-stars) and they’ve had a few complaints that were resolved lightning-fast.

2. Types of Precious Metals: Gold, Silver, Platinum, & Palladium

My top 10 list has the best options and prices for precious metals including gold, silver, platinum, and palladium. Depending on your investing budget, you should consider choosing the following companies in each category:

  • Gold: Investors will find the best deals on gold when doing business with Augusta Precious Metals. They only charge 5% above spot price on every transaction, which is the lowest in the industry. But larger investors with $200,000 accounts or more gain access to even better deals. The bigger the investment amount, the lower the markup above the spot price.
  • Silver: The same holds true for investors looking to buy silver for their precious metals IRA. Augusta Precious Metals is the top company because of their excellent promotions and their low 5% above spot price commissions. Again, if you’re investing $200,000+, you’ll have access to even better deals and lower commissions than any other company provides.
  • Platinum: The best companies to buy platinum from include Goldco, Birch Gold, and Regal Assets. Unfortunately, Augusta Precious Metals doesn’t sell platinum products. But you’ll gain access to low fees, low commissions, and phenomenal promotions when doing business with Birch Gold, Goldco, or Regal Assets. Each of these companies are trustworthy, loyal, and great at what they do.
  • Palladium: Buying palladium investments has never been easier. Augusta Precious Metals doesn’t sell palladium, but you can invest in it through Goldco, Birch Gold, or Regal Assets. These terrific companies all have excellent IRA-approved products, and great promotions, and the lowest markups above the spot price.

3. Precious Metals Buyback Program

All of the top 10 gold IRA companies have precious metals buyback programs in place. Best of all, these companies never charge additional fees. They repurchase precious metals at the current spot price at the time.

For those considering working with a gold IRA company that isn’t part of my top 10 recommendations, consider the following:

  • Do they have a buyback program?
  • Do they charge anything to repurchase precious metals?
  • Are they paying based on the current spot price? Or are they using a different method to calculate your payment?

Learning these answers should be critical to your decision-making process.

4. Stockpiling

The stockpiling options from the top gold IRA companies are simple and straightforward. The two options include:

  • Segregated storage – top-tier gold IRA companies offer their customers access to segregated storage. It’s the preferred choice for most investors because their precious metals are stored in a personal, segregated vault. This storage option is available through Augusta Precious Metals, Goldco, Birch Gold, and Regal Assets.
  • Commingled storage – this basic storage option is available through most top-level gold IRA companies. Regal Assets is my only highly recommended company that doesn’t offer this choice. Augusta Precious Metals, Goldco, and Birch Gold all offer commingled storage. This option lets IRA account holders store their precious metals in a vault that other investors share with them.

Avoid companies that charge storage fees on a sliding-scale. This can become incredibly expensive over time as your account grows. And it will eat into your profits.

5. Total IRA Costs

When choosing a gold IRA company to work with, it’s best to take your total IRA costs into consideration. One-time and annual expenses will have a major impact on your bottom line. 

The total IRA costs and other things to consider to consider include:

  • IRA Fees (Account Fees) – typical IRA fees include one-time account setup, IRA rollovers and transfers, and wire transfer fees. Many of the top precious metals IRA providers are willing to waive these fees for qualifying customers. Yearly recurring fees include administration, custodian, and storage fees. My favorite companies tend to waive administration fees and provide low-cost storage and custodian fees.
  • Promotions – certain gold IRA companies that I recommend have special promotions available to their new customers. They are giving away free gold and/or silver to the tune of $10,000-$15,000 or more. These special promotions are typically available to new customers. Augusta Precious Metals has their Bronze Club, Silver Club, Gold Club, and Millionaire Club. You’ll have access to better deals depending on how much you invest. And they are hands-down the best company for high net worth investors.

Markup Above Spot Price – this is where Augusta Precious Metals really shines the brightest. Their markup above spot price is only 5% at its highest. Investors with larger accounts of $200,000 or more have access to even better deals and lower markups. Companies like Birch Gold and Goldco have higher markups but offset the additional prices with free gold and silver promotions.

6. Account Setup & Delivery

One reason I chose my top 10 companies is their ability to set up accounts and deliver products lightning fast. As an example, Augusta Precious Metals has a team of expertly trained specialists on hand to help new customers. They will walk you through the entire process from beginning to end, while helping with every step.

Top gold IRA companies also have super-fast shipping. For the most part, they’ll ship precious metals orders within 7-10 days or less. Choose a company with quick set up and quick delivery so you can get started investing right away.

7. Customer Support & Salesmanship

Having top-tier customer support and knowledgeable sales teams in place is also an absolute must when choosing a new company.

Augusta Precious Metals is the clear leader in this category by far. They hired a Harvard-trained economist Devlyn Steele to lead their team and educate their staff. He created a customer-focused that makes it easy to determine if investing in gold/silver is their ideal choice.

Augusta Precious Metals truly wants to help their clients succeed. They don’t want your business if it isn’t the best fit to meet your investing goals. And their educational webinar is more proof than you’ll ever need.

Besides the webinar, they’ll also tailor your gold IRA to meet your retirement needs. In many instances, potential customers will find out that investing in gold isn’t right for them. 

How many companies turned down potential customers because it isn’t in their best interest to invest in a gold IRA? You won’t find this anywhere else in the industry.

Goldco, Birch Gold, and Regal Assets have incredible sales teams on hand. Each of these companies has excellent reputations regarding their sales staff. 

They aren’t trying to weasel every last penny out of their customers. On the contrary, their sales teams are very helpful, knowledgeable, and they’re NEVER pushy.

Bottom Line

By now, you undoubtedly understand the reasons why you need to choose a top-tier gold IRA company immediately. If you work with a second-rate company, you can potentially harm your chances for a fruitful and comfortable retirement.

You wouldn’t want that, right? Neither would I.

If you decide to choose a company other than the gold-star organizations that I recommend, please consider the following:

  • Make sure their ratings on online peer-reviewed websites are extraordinary and near perfect. Learn about each company on the Better Business Bureau, Business Consumer Alliance, and Trustlink websites.
  • Make sure their total IRA costs are affordable, inexpensive, and/or waived in many situations. The lower your total IRA costs, the more money you’ll have to invest or to save for a rainy day.
  • Find a company willing to waive their fees. A few of my top picks are willing to waive their fees for exceptional customers within the first 1-5 years or more. For example, Augusta Precious Metals waives the first 10 years’ worth of fees for members of their Millionaires Club.
  • Does the company offer free shipping? This perk is usually awarded to investors that meet a particular payment threshold. As an example, Birch Gold waives their shipping fee for non-IRA customers that spend $10,000 or more.
  • Find a company focused on education. All of my top recommendations including Birch Gold, Goldco, and Regal Assets have excellent educational resources. Augusta Precious Metals takes it a step further. They have a free educational webinar, which is phenomenal. Plus, customers can sit down for a one-on-one conversation with a Harvard-trained economist named Devlyn Steele.

Are you finally ready to start investing in your future? Are you ready to take your retirement portfolio to the next level? Sign up for the Free Investors Guide or the FREE WEBINAR by visiting Augusta precious metals online.

Features of Top 10 IRA Companies

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