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Welcome to silverirarollover.net where you will find useful resources and tips on choosing a Top Gold IRA company. Here are some of the companies that we’ve researched and recommend to you.

Important Factors For Choosing A Good Company

Rolling Over To a Gold or Silver IRA

Worried about devaluation of the dollar? Very worried about the economy? Concerned about China and India buying Gold? Looking to put 1/3 or more of your portfolio into metals?

You are not alone! Many clients who called precious metals companies felt the same. They were very concerned and ready to diversify their assets.

Deciding to rollover your IRA or 401k to a Gold or Silver IRA is usually not a tough choice for most people. What stops people from doing so is trying to find the best company to work with. Not all of them are created equally.

If you are ready to move forward quickly then we suggest you go with most reputable precious metals company we can recommend. They have a superb reputation online and take great care in educating you along the entire rollover process. Still skeptical? Then we suggest you read the competition’s complaints on the BBB report, the complaints board, trustlink, and various other credible review & rating sites out there.

Here are the Top 4 Questions You Should Be Asking Gold IRA Companies

IRA Setup Fees and Storage Fees

Some charge additional storage fees for the first year along with other admin fees and some don’t. Most of the Gold IRA companies in the industry have a scaling administration fee schedule which can cost clients more as the account value increases.

Be cautious, ask about exact storage fees, they may tell you its a flat fee but as your account grows or you add additional funds to it, you may go over the flat fee storage limit which could cost you thousands of dollars over the course of your storage duration. Go with the flat storage fee company we recommend below. They will even pay for your first year’s administration fee as well.

Type Of Precious Metals – (Bullion Vs. Coins)

Make sure you buy the right kind of precious metals (gold, silver, platinum) that are acceptable for IRAs and choose the custodian that can offer the best secure storage facilities to protect your assets. Obviously, this is a tough choice and there’s pros and cons for Gold Bullion vs. Gold Coins (rare/collectibles).

You need to watch out for any Gold IRA companies pushing you for one specific type of metal. It various by each company but if your account rep is pushing you or trying to bait and switch to sell you particular coins, they probably make higher profit margins on them, so they are not looking out for your best interest. Be cautious! There are a lot of bad reviews out there from people who felt they were being taken by this.

Buyback Program

Does the company offer a Gold or Silver coin buy back program? What happens when you want to unload your precious metals? Will you get fair value in return? Make sure you are comfortable dealing with a Gold IRA company when you are buying as well as when you are ready to liquidate your assets. Trust your gut instinct and go with the company who has your best interest and is not just looking to turn a profit from your sale.

Drawbacks and Decisions

Choosing the wrong company can cost you additional fees in the long run and can create a headache through their time consuming process. Most companies in the precious metals business take over 30 days to deliver and as long as 90 days in some cases. When rolling over to a Gold IRA account, always consult a professional to help you roll over the funds and help you with any tax issues in the future.

Here are Top 3 Complaints via Rating Websites

1. People feel like they were “taken” by fast talking sales representatives who are looking for one thing – their commission from your transaction!

2. Too aggressive sales tactics. Calling and pestering clients to make decisions as soon as possible. We get that account representatives are hustling to earn your commission but they shouldn’t rush you when you are not ready yet. Most clients with an average $30k – $250k are investing their ENTIRE life savings and they want answers and peace of mind before moving forward. This is why we recommend Regal Assets company to hold your hand through the investing process. Their reputation is outstanding – all written from real client experiences.

3. Account representatives recommending precious metals that have a bigger profit margin for the company vs. benefiting their clients. The complaints come from clients who felt they were not given the right advice from the beginning. This is why it’s crucial for you to go with the honest company from the start. Ask yourself, when you are ready to sell your gold or silver back to the company, will they treat you the same? treat your fairly? or do they even have buy back program? Do your own due diligence!

Which Company Do We Recommend?

Regal Assets – Give them a call: 1-855-748-0665.

Regal Assets

 

 

Regal Assets will walk you through and answer all of your questions. They will go over the different options you have and not once will they pressure you for the sale or try to direct you into anything. Their style is one where the customer comes first. They will also take the time to educate you on precious metals investing since this is YOUR retirement money. When you call, you will be directed to one accountant representative and he or she will answer every phone call or email from that time forward.

- One Of The Fastest Shipping Processes.

Guaranteed precious metals delivery in the client’s hands within 7 business days. If they miss the deadline for shipping metals – they will give you a free 1 oz. Silver American Eagle free of charge.

- Industry Leader Providing The Best Storage and Fee Structure.

They use Brinks and all storage is segregated. Regal also has a flat fee of $150.00 per year vs. competitors charging $225/year or most that don’t even offer a segregated storage option. Some companies offer comingled storage for precious metal retirement accounts and some cost more than segregated storage with Regal Assets.

- Flat Administration Fees While Competitors Charge Scaling Fee.

Regal Assets’ administration fees for the year on all retirement accounts are a flat $100.00.

- They Will Pay All First Year Dues For Client’s Retirement Accounts.

Which include the setup fees, administration fees, storage fees and delivery of metals. This is a savings of over $500.00 which most of Regal’s competitors make the client pay.

- Fastest Processing Time.

One of the only precious metal firms that does everything electronically. Which means that the client does not have to hand sign documents. When it comes to transferring requested funds from a custodian, typically it gets done within 48 business hours.

Still have questions? Let Regal Assets give you clarity and earn your trust.

Official Website: http://www.RegalAssets.com

As if all that’s not enough, you can see this company is responsible and trustworthy through business practices demonstrated by the A+ rating with the BBB. you’re guaranteed fast, efficient access to any gold you decide to order with a 7-day delivery guarantee as well.

Regal Assets ranked as No. 20 in United States for financial services as Inc. Magazine unveils 32nd annual 500 list.

Inc 500http://www.marketwatch.com/story/regal-assets-ranked-as-no-20-in-united-states-for-financial-services-as-inc-magazine-unveils-32nd-annual-500-list-2013-08-21

Regal Assets BBBNo complaints with BBB since March 10, 2013.

http://www.bbb.org/sanjose/business-reviews/gold-silver-and-platinum-dealers/regal-assets-in-burbank-ca-100088403

With an A+ rating from the BBB and a preferred membership with TrustLink, Regal Assets is a leader in the precious metals industry.

Additional Companies That We Chose Not To Work With But Reviewed:

APMEX Company Review

Birch Gold Group Review

Blanchard & Company Review

Broad Financial Company Review

Capital Gold Company Review

CheckBook IRA Review

Fidelity Gold IRA Review

Goldco Direct Review

Goldline Company Review

Gold Star Trust Company Review

Guidant Financial Review

Heritage Gold Group Review

Lear Capital Company Review

Lexi Capital Company Review

The Metal Exchange Review

Merit Gold Company Review

Morgan Gold Company Review

Regal Assets Company Review

Rosland Capital Company Review

Sterling Trust Company Review

US Gold Bureau Review

American Bullion Review

Choosing The Right Company

Read our Gold IRA Company Reviews on our site. Check out both good and bad reviews out there. Even with the reviews we provided – it would be a good idea to call a few of these companies to get an idea of what kind of service you can expect from your potential Gold IRA Custodian.

Consider asking these Gold IRA Companies about the IRA setup process, storage fees, and types of precious metals for your IRAs (Gold, Silver, Platinum).

Which Company Do We Recommend?

If you need a reputable Gold IRA Company, here’s one: Regal Assets. Give them a call: 1-855-748-0665.

Regal Assets Trustlink Review

We’ve done an extensive Regal Assets Review here… This company is demonstrates responsible and trustworthy business practices by the A+ rating with the BBB and a preferred membership with TrustLink.

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Rolling over your IRA can offer many benefits. Rolling over to other investments offers the options of moving into investments that are performing better than those you are currently working with. In short, you can move your investments to something that is generating you more money.

At the same time, there are certain steps that must be followed to ensure everything is set up properly. It is worth the additional effort in making sure you are well versed on the proper sequence of things to make sure that you are not penalized. In some cases, these penalties can be very costly.

Below are some of the most common mistakes and how you can avoid them.

Formulate A Plan And Take Action

You never want to take money out of your IRA without having a solid plan in place. You never want to be put into a position where you have already withdrawn the funds from your IRA and are still trying to find the right broker or custodian to handle your investments for you. You have a 60 day window that begins the day you withdraw your funds to find the custodian you want to work with and finalize the rollover. There is the option of filing a waiver or an extension with the IRS but it will be in your best interest to not need to rely on these.

If after 60 days your rollover has not been completed, your withdrawal of funds will be viewed as a typical distribution of funds. This then means that the funds will be viewed as typical taxable income. If you are younger than 59.5 you will also have an additional 10% tax added to the income taxes as well. For these reasons alone it is worth having a well laid plan prior to withdrawing your money for the rollover. Staying on track and avoiding the above mentioned tax liabilities can save you thousands of dollars.

12-Month Wait

Another very important consideration is that once you have completed a rollover you cannot move those funds for 12 months. So, any funds remaining in the IRA that had funds moved and the funds in the newly formed IRA must remain exactly where they are for 12 months before any further changes or moves can be made with them. If you do not fully research and plan out your rollover ahead of time and initiate a rollover without all the needed information and then make a decision out of haste, you cannot correct this or make any changes until the funds are legally allowed to be moved again. This can mean thousands of dollars in loss.

The Same Property Rule

When you rollover assets from one IRA to another IRA the assets must stay the same, otherwise it will be seen as a distribution. What this means is that you cannot withdrawal funds from your IRA to buy stocks or gold and then deposit those assets into a new IRA. The IRS would view it as a distribution because you spent the money from the IRA, so it would be taxed as income at the end of the year. It would also be subject to the 10% penalty if the money was taken out before you turned 59 ½.

Initiating A Rollover Too Early

If you currently have a 401k and want to rollover some or all of the funds to an IRA there are some very specific things you must be mindful of in the process. If you are not 59.5 years of age or older and are wanting to rollover some or all of the funds in your 401k to an IRA this will be viewed as a typical distribution of funds and will be subject to the 10% penalty. There are very few ways to avoid this penalty so it is best to just wait until you are in the correct age bracket to avoid any penalties.

If you are thinking of rolling over funds from your IRA it is very important to know what specific rules apply to the type of IRA that you currently have. Again, you do not want to deal with or have to pay unnecessary penalties simply because you do not know how to initiate the rollover properly. Proper research and speaking to the custodian or a financial adviser is the best option.

If you are looking to rollover your IRA to a self-directed IRA or to a gold IRA it is in your best interest to do your research beforehand as it can be difficult to find a custodian to work with that will offer the specific services you are looking for. There are quite a few companies out there that will handle a gold IRA for you but there are a lot of these that are not trustworthy at all. Others charge far too much money for the services they render. You should always feel comfortable talking to the custodian you decide to go with to handle your gold IRA and they should always be willing to answer any and all questions that you have.

Once you have found the custodian or the company you are going to use to handle your IRA needs you can then start the rollover process. The custodian that you are working with will be able to walk you, step by step, through the process. Once the funds are moved over the custodian will then be able to tell you where the funds are going and what the investments will be. This will allow you to be sure that your IRA is being handled properly and to your design. This will also allow you to make sure that your IRA is going to be as secure as possible and provide the financial stability you are going to need for retirement.

Now that you are familiar with the proper way to initiate a rollover it is time to find a custodian that you can trust and that you want to work with to make sure you see the largest returns possible and that your investment is as secure as possible.

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Anyone looking to diversify his or her IRA should certainly look into starting a self-directed IRA. A self-directed IRA allows for much more flexibility with how the funds are invested. This type of IRA has become very popular amongst those looking to diversify their retirement portfolio as well as avoiding the volatile stock market. .

The number of self-directed IRAs is most certainly on the rise. As much as $100 billion is now invested in self-directed IRAs. These types of IRAs are both a good thing and a bad thing for those that invest in them. It is good in that the investor has discretion as to how the funds are invested within the IRA. It is bad in that it is up to the person that has started the IRA to direct all things related to the investments and placement of funds instead of a custodian whose sole specialty is investing. With a self-directed IRA, the custodians responsibility is to ensure that all of the appropriate paperwork has been filed and filled out properly and to offer a valuation of the IRA annually.

When a person initiates a self-directed IRA they do have the option of hiring a professional to assist them with their investments if they choose. This offers the flexibility of a self-directed IRA and the sound investing advice of a professional. Although, most people that choose to set up a self-directed IRA choose to do so because they are totally comfortable with handling the investments themselves.

Choice Of Assets Within A Self-Directed IRA

This type of IRA allows for a much broader selection of items that a person can choose to invest in. Precious metals, real estate, stocks, and bonds can be selected. It is important to note that only approved assets can be utilized in your IRA. Life insurance, personal property, collectibles such as stamps, art and other rarities cannot be used in your IRA.

You Have Far More Control

When you have a traditional IRA or 401k you are limited as to how and what you invest in. You do have simple options such as choosing an aggressive investment plan or going for a more conservative plan. However, you have very little control as to which investments are used in your portfolio. With a self-directed IRA you are afforded the flexibility of investing in the markets and the assets that you feel most confident and comfortable in.

Much Few Restrictions

Another benefit of self-directed IRAs is that you make it so that your investments are much more liquid. Some custodians can take up to 30 days to release your money from your IRA after you have made a formal request to liquidate. In other words, if there is a dire emergency and you need funds immediately, you will not be able to access the funds from IRAs that are managed by a custodian who has such a long waiting period to release your money. A self-directed IRA will release your funds as soon as 1-2 business days in most cases.

Invest In Things You Love

With a self-directed IRA you have the flexibility to invest in almost anything that you want. If there are certain markets that interest you more than others, you can choose to invest some or all of your money in those areas. You can invest in these markets all while watching to see what yields the highest returns. In essence, you are going to be benefiting the markets that you have a passion for all while securing your future financial success for retirement. You can help ensure that the latest technologies have the funding needed to bring new and innovative products to market and make money all at the same time.

Higher Cost

With all of the many benefits and advantages associated with self-directed IRAs there had to be some bad news. The fees associated with this form of IRA are higher than a traditional IRA. There are fees associated with opening the IRA, annual fees, holding gees and transaction fees for those that invest in real estate.

All told, no matter which direction you choose to go, an IRA is a solid investment tool when planning for retirement. Formulate a plan and find a trusted custodian to start your investment and to build for your future.

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