Lear Capital specializes in helping individuals diversify their retirement savings by investing in physical gold and silver through: Precious Metals IRAs (Gold/Silver IRAs) Direct purchases of coins and bullion for home delivery They provide step-by-step support in setting up self-directed IRAs, transferring funds from traditional accounts (like 401(k)s or IRAs), and selecting IRS-approved precious metals to safeguard retirement wealth.

Yes. Lear Capital has been in business for over 25 years and is one of the most well-established companies in the gold IRA industry. They have: An A+ BBB rating Thousands of customer reviews across Trustpilot, Google, and ConsumerAffairs A transparent pricing promise, including a 24-hour risk-free purchase guarantee While they faced regulatory issues in the past (notably in 2022), the company has since settled those matters and updated its compliance practices. Today, Lear Capital emphasizes honest pricing, extensive educational materials, and long-term customer relationships.

Lear Capital stores IRA metals in IRS-approved depositories like: Delaware Depository Brinks Global Services These are secure, fully insured, non-bank vaults. Customers may choose between segregated storage (your metals held separately) or non-segregated (pooled with others) depending on their preferences and budget.

Lear Capital offers a streamlined 3-step process: Free consultation with a Lear Precious Metals Specialist. Help with setting up a self-directed IRA through a preferred custodian. You fund your account via rollover or transfer from your existing retirement account, then select your metals. They handle the paperwork, compliance, and storage logistics, and keep you updated throughout the process. The website typically highlights free IRA guides, limited-time offers, and free shipping for qualified accounts.

A Gold IRA is a type of self-directed individual retirement account that allows you to hold physical precious metals—like gold, silver, platinum, or palladium—instead of traditional assets like stocks and bonds. You work with a custodian to set up the account, choose your metals, and store them in an IRS-approved depository.

Lear Capital’s typical fees include: Setup Fee: $50 Annual Admin Fee: $100 Storage Fee: $100 (segregated) or less for non-segregated storage There is usually a minimum investment of $10,000 for IRA accounts. However, their promotions often include: $15,000 in free silver on qualifying purchases Fee waivers for up to 3 years Price match guarantees Check their latest offers or speak to a rep for current deals.

How do you choose which Gold IRA companies to feature or recommend?

Most traditional retirement accounts can be rolled over into a Gold IRA, including 401(k), 403(b), TSP, and Traditional or Roth IRAs. We always recommend speaking with a qualified custodian or financial advisor to ensure your specific account type is eligible.

Some companies charge setup, storage, and annual maintenance fees, which can vary depending on the provider. We aim to highlight these costs in our reviews so you know what to expect upfront. Always ask for a full fee schedule before opening an account.