Gold & silver IRA · at cost

Own real gold and silver in your IRA, at actual cost.

No markup on the metal. No commissioned salesmen. One flat yearly fee that never grows with your balance. Set it up online in minutes.

Start your rollover online → Prefer a person? Talk to us

Held in your IRA's name at an IRS-approved depository.

See what the average gold & silver dealer markup is really costing you example · year one

Your rollover $75,000

$25k$250k

Slide the gold dot to your rollover amount and see what you'd save.

Typical dealer, markup baked in (~6% + admin) $4,725

MetalsReserveIRA: metal at true cost, plus one flat yearly IRA fee $650

You savein just one year $4,075

Why we cost less

Most gold IRAs bury the real cost in the metal.

The yearly fee is rarely the problem. The markup is. A quiet 5% to 10% (sometimes 20% or more) gets added to every ounce to pay for the TV ads and the commissioned reps. You cover all of it, on every ounce, for as long as you own the metal.

The usual model

You pay for their marketing

Your metal

Markup & commissions

Markup on every ounce. Baked into the price, hard to see.
Commissioned salespeople. Their pay can rise with what you buy.
"Free silver" promos. The cost is already in the spread.

The MetalsReserveIRA model

Metal at cost, one flat fee

Your metal

Metal at dealer cost. Zero markup. Price-check us on any coin.
One flat yearly fee. $650 to start, $600 after. Fully disclosed, right here.
No commissioned reps. Nobody earns more by selling you more.

Think Costco, but for your retirement metal. We make our money on one honest membership fee, not by marking up every ounce.

Most of these are good companies. Their model just works this way: national advertising and sales teams cost money, and that cost lives in the price of your metal. We built ours the other way.

	Typical gold IRA company	MetalsReserveIRA
Markup on the metal	5%–20%, baked in	✓ None, at cost
Yearly cost	Low fee, high hidden spread	Flat $600/yr, no spread
Commissioned salespeople	Yes	✓ None
Set up online, no phone call	Rarely	✓ Yes, in minutes
Fee grows with your balance	Often	✓ Never, always flat
Live tracking of your holdings	No	✓ StackBeacon included

How it works

You do two things. We do the rest.

No phone tag, and no paperwork landing on your desk.

You · about 10 min

Open your account

Answer a few questions online and we set up your self-directed IRA with a licensed custodian.

You · a few clicks

Move your funds

Roll over a 401(k) or transfer an existing IRA, tax-free and penalty-free. We handle the paperwork with your custodian.

We do the rest

We take it from here

You pick your gold and silver at true cost; we buy it and ship it insured to an IRS-approved vault, held in your IRA's name.

Start your rollover online →

How your money & metal stay protected

Your money never touches us. Neither does your metal.

That's the part that should put you at ease. From the first dollar to the last ounce, your funds and your gold move through regulated, third-party institutions, never through us. The whole thing is set up by a team with 10+ years in precious-metals IRAs.

You

Your IRA funds, from a 401(k) rollover or an IRA transfer.

Our metals partner

Your money goes straight here to buy your gold & silver, at true cost.

Secure depository

Held in your IRA's name: segregated, insured, and audited.

MetalsReserveIRA never touches your money or your metal — we only set it up.

Your money goes to buy metal, not to us

When you buy, your funds go directly to our metals partner to purchase your gold and silver. We never hold it, route it, or take a cut of it. Your account itself is administered by a licensed IRA custodian. [e.g. "A U.S.-based custodian, 20+ years, overseeing $X billion in retirement assets."]

Your metal ships straight to the vault

Our metals partner sends your gold and silver directly to your secure, IRS-approved depository, straight from dealer to vault. It never passes through our hands either. [e.g. "A U.S.-based, fully insured depository."]

Held in your name, kept separate

Your metal sits in the depository in your IRA's name and fully segregated. Your ounces are kept apart from everyone else's, never pooled, and the metal is insured and independently audited.

We set it up, and we stick around

Getting you set up and buying metal at true cost is just the start. We don't sign you up and hand you off. We stay in touch with important updates and reminders, and we're here whenever you have a question or want to buy more metal. You're our client, and we treat you that way. Our pay is one flat yearly fee, and nothing else.

Our Transparency Promise

The commitments this whole company is built on, in writing.

Metal sold at true cost — zero markup, ever.
One flat yearly fee, published in plain sight.
No commissioned salespeople. No one's paid to push you.
Take all the time you need. You'll never hear "act now" from us.
Your metal, in your name and segregated, held by regulated third parties.
Check our price against anyone, anytime — we invite it.

A "price guarantee" you can actually test

We won't insult you with a gimmicky "lowest price guaranteed." Margins on metal sold at true cost are razor-thin, and any dealer can undercut everyone for a day by dumping inventory. Here is the promise we stand behind: the price you see is the price you pay, with no markup hidden inside it. We'll show you how to log in, pick any IRS-approved metal, and see your actual real-time price. Then check it against any dealer you like, at that same moment. Comparing in real time is the only test that means anything, and we welcome it.

Start your rollover online →

Included free · powered by StackBeacon

The tools the old-guard dealers don't give you.

Every account comes with StackBeacon, a modern system for tracking and understanding your gold and silver.

Included free with every account

Track & understand every ounce you own

StackBeacon is a serious, data-driven tracker. It shows you what you hold and what it's worth today, and it tells the story behind your stack instead of just counting ounces.

Included free on $75k+ · Beacon Intelligence

Like having a precious-metals analyst on your side

The highest level of StackBeacon: a private analyst layer that reads the charts and the bigger economic picture, then tells you what it means for your stack. Included free on accounts of $75,000 and up.

Straight answers

The questions everyone asks, answered. No email required.

Wait, "at cost," but there's a $650 fee? What's the catch?

No catch. Most companies quote a small yearly fee and then mark up the metal 5–20%, which costs you far more. We flipped it: the metal is sold at actual dealer cost, and the flat fee ($650 the first year, $600 after) is how we get paid. On a typical rollover you come out thousands ahead in year one, even with the fee.

Can I really do this without talking to a salesperson?

Yes. You can open your account, roll over funds, and buy metal entirely online. If you'd rather talk to someone, you can. You'll never get a commissioned rep pushing "special" coins, because we don't employ any.

Where is my gold actually held?

In an IRS-approved, fully insured depository, stored in your IRA's name. It never sits at our office or gets mixed in with company assets, and you can see what you own at any time in StackBeacon.

What can I hold, and is there a minimum?

IRS-eligible gold, silver, platinum, and palladium: coins and bars that meet the purity rules. You'll see eligible products and any minimums when you start your account online.

Is rolling over my 401(k) or IRA taxable?

Done correctly, no. A direct rollover from a 401(k), or a trustee-to-trustee transfer from an existing IRA, moves your money without triggering taxes or early-withdrawal penalties. We coordinate the paperwork with your custodian so it's handled the right way. (This isn't tax advice. For your situation, check with your tax professional.)

Can I take physical possession of my metal?

While the metal is inside your IRA, IRS rules require it to stay with the custodian at an approved depository. That's what keeps its tax-advantaged status. Once you're eligible to take a distribution, you can have the physical metal shipped to you, or sell it and take the cash. Taking possession early can count as a taxable distribution, so most people wait. (Not tax advice. Confirm the timing with your tax professional.)

What about required minimum distributions (RMDs)?

Traditional IRAs require you to begin taking minimum distributions at the age the IRS sets. You can meet an RMD by selling a portion of your metal for cash, or by taking some of the physical metal as an in-kind distribution, and your custodian helps you handle either. (Roth IRAs generally have no RMDs during your lifetime; your tax professional can confirm what applies to you.)

How do I sell when I want out?

Whenever you're ready, you can sell your metal back to our metals partner, which offers some of the strongest buyback prices in the industry and will even buy metals you bought somewhere else, or liquidate through your custodian. Selling inside the IRA doesn't trigger a penalty; the proceeds stay in your account until you choose to take a distribution.

One more thing on the fee

And no, we don't pocket the whole $600.

Your $600 is the only bill you ever see. Out of that one fee, we pay these companies directly, on your behalf. Their costs come out of our $600, never as extra charges to you:

What your $600 actually covers$600/yr

We pay your IRA custodian. Administers your account$___

We pay for secure storage & insurance. Your metal in the vault$___

We pay your buying-club membership. Your true-cost access$___

What's left for MetalsReserveIRAvery little

We also earn a referral fee from our metals partner, at no cost to you. It never changes your price or your flat fee.

The "cheaper" companies pay these same costs too, often more. Their lower fee number just gets made back through the markup baked into your metal.

Exact dollar figures are being finalized and will be published here.

Free guide

Not ready today? Take the guide with you.

Grab our free Dealer Red-Flag Guide, the 7 things worth checking before you move a single dollar into metals. You'll see how markups and pressure tactics work, so you can spot them anywhere (yes, including with us). We'll send along the occasional note worth reading, too.

Send me the free guide →

First name

Please enter a valid email address.

No spam. Unsubscribe anytime. We never sell your info.

Got it — we'll be in touch.

We'll get your copy of the Dealer Red-Flag Guide over to you. Take your time with it; we'll be here whenever you're ready.