A few minutes. Answer a few questions once, and we prepare everything and send it back for you to review and e-sign in one place. You see every document before anything is final, and nothing is charged today.
Welcome
Let's set up your metals IRA
First, which are you? It changes how much we ask.
New to At Cost Metals
The full setup: your IRA, your at-cost membership, your metal. We handle all of it.
Express
Already a member
Your membership's set, so we skip it and go straight to the IRA.
Members skip the parts you already know. Membership's set, and we go straight to the IRA.
I'm buying metal
I have my own metals
How much into each metal?
We buy at cost. Enter an amount to see the ounces, and what a typical IRA charges for the same.
Bring the metal you already own
We move it to us in-kind, the exact same coins and bars. No selling, no tax event.
$
Nothing's charged today. You review everything before signing. Live pricing at launch, placeholder prices for now.
What kind of account?
Pick one. Not sure? Most rollovers are Traditional.
Already have a metals IRA elsewhere? Move it to us in-kind, no selling, no tax event.
Most common
Traditional
Pre-tax dollars. Most rollovers land here, and you pay tax when you withdraw.
Roth
After-tax dollars. Qualified withdrawals later are tax-free.
SEP
For self-employed people and small-business owners.
SIMPLE
For employees inside a workplace SIMPLE plan.
Where's it coming from?
We contact your provider and move it for you. A direct transfer, no taxes or penalties.
Roll over an employer plan
Transfer an existing IRA
New contribution
You're bringing your own metals, so we'll send an in-kind transfer request to your current custodian. Just tell us where it lives.
401(k)
403(b)
457(b)
TSP
Other
$
$
Tax year 2026
Tax year 2025
Your plan, one price.
Everything you picked, and the one fee that runs all of it.
Your all-in fee
One bill, from us. We pay the custodian, your membership, and every other partner. You never see a separate invoice.
A typical gold IRA runs $700+ a year and climbing, plus a 5-8% markup hidden in every coin. They bill from three places. We bill from one, flat, forever.
Nothing's charged today. Payment comes only when your account opens.
Your details
Entered once, this fills every partner form. It's encrypted, and you review it all before signing.
About you
U.S. citizen
U.S. resident alien
Home address
Verify your identity
Driver's license
Passport
State ID
Why we ask: the custodian and federal law require identity verification to open any IRA. It's encrypted, and it's never used to charge you.
Your beneficiary
Review and sign
Look it all over. Nothing is charged or submitted until you sign.
Your documents
You see every document, and you get a copy of each. The final versions are prepared with your details for e-signature.
E-sign
One yearly charge. That's the whole bill.
Recommended
Bank (ACH)
Straight from your bank. Lowest fees.
Card
Any major credit or debit card.
Handled by Stripe. We never store your bank or card details.
Authorized now, charged only when your account actually opens. Cancel anytime before then. Your metal is bought with your rollover, not this payment. This one fee covers custody, membership, and our management, the only bill you'll get.
✓
You're all set.
We've got everything we need. From here, you don't have to do a thing.
What happens next
Nothing else is needed. Your fee is charged only once the account opens.
Your account portal arrives with your welcome email. Talk to a real person any time: (800) 555-0100
Document
This is a sample for your review. The final version is prepared with your details and delivered for e-signature, and you keep a copy of everything you sign.
Talk to a real person
No script, no commission, no pressure. Leave your info and we'll reach out, or call (800) 555-0100.
✓
Got it. Talk soon.
We'll reach out within one business day. Nothing to sign, nothing to pay.