Add to IRA
Protect Your Retirement With a Gold IRA
Roll over your 401(k) or existing IRA into physical gold and silver inside a tax-advantaged account with a firm that’s been doing this since 1974.
Why Serious Investors Add Gold to Their Retirement Accounts
It provides genuine diversification at exactly the moment diversification matters most. Physical gold has historically moved inversely to paper assets during periods of market dislocation, dollar weakness, and systemic financial uncertainty.
The tax treatment is identical to a traditional IRA: gains grow tax-deferred until withdrawal. You get the full benefit of the metals position without sacrificing the tax advantages you’ve spent years building.
A Self-Directed IRA provides:
- All the benefits of a traditional IRA.
- Alternative investments in assets such as Precious Metals that traditional IRAs do not allow.
- The owner full control of their IRA.
Metals That Qualify for a Precious Metals IRA:
| Primarily funded: | Bullion |
| Minimum fineness requirements as set by the IRS: | Gold: .995 fine (Gold American Eagle is the only exception) Silver: .999 fine Platinum: .9995 fine Palladium: .9995 fine |
| Coins allowed: | See our IRA eligible coins here |
How to get started with a precious metals IRA
1. Verify or Create your Self-Directed Precious Metals IRA.
The IRS requires precious metals to be added to a self-directed IRA. Our first step will involve you confirming your existing IRA qualifies or opening a new IRA that does.
2. Fund the Account.
- Roll over an existing IRA or 401(k)
- Establish a new Precious Metals IRA
3. Deposit Your Bullion with a Custodian.
An IRS-approved custodian bank must hold gold added to an IRA. Blanchard has a longstanding relationship with GoldStar Trust Company (see below for more information), but we’ll gladly help you get started with any IRS-approved custodial institution you choose.
Once your account is funded, we can help you determine what type and what quantity you should purchase based on your needs and investment goals.
Why Work With Blanchard for Your Gold IRA:
Fifty years of experience. IRA rollovers aren’t a new product line for us.
A dedicated IRA Specialist to help you understand your options and walk you through the process.
Full transparency of buying and selling. You always know exactly what you’re paying for the metal and what you’re paying for our service. No hidden fees, no inflated premiums, no surprises at settlement.
No additional fees for IRA purchases through Blanchard. The price on our website is the price you pay. We don’t charge a premium for IRA-designated purchases.
A buy back Guarantee. When you’re ready to sell, Blanchard will buy back what we sold you. That commitment to liquidity is something you want before you need it, not after.
An established relationship with GoldStar Trust Company. Blanchard has a longstanding working relationship with GoldStar Trust Company, one of the leading IRS-approved self-directed IRA custodians in the country. We know how to work with them efficiently.
FAQ’s
Can I roll over my 401(k) into a gold IRA?
Yes. A 401(k) from a previous employer can be rolled over directly into a self-directed precious metals IRA without triggering a taxable event, provided you use a direct rollover, where funds move from your 401(k) custodian directly to your new IRA custodian. You never touch the money, there’s no withholding tax, and there’s no 60-day deadline to worry about. We handle the coordination on our end.
Can I transfer an existing IRA?
Yes. Traditional IRAs, SEP IRAs, SIMPLE IRAs (after a two-year holding period), and Roth IRAs can all be transferred or rolled over into a self-directed precious metals IRA. You may transfer all or part of the account. Consult your tax advisor for guidance on your specific account type.
Is there a minimum investment?
Most custodians have minimum account opening requirements. Speak with one of our IRA specialists for current minimums and to discuss what allocation makes sense for your retirement portfolio.
Can I move gold I already own into a precious metals IRA?
No. IRS rules require that metals in a self-directed IRA be purchased new through a dealer and delivered directly to an IRS-approved depository. You cannot contribute metals you already own personally to an IRA.
What does it cost to maintain a gold IRA?
Annual costs typically include a custodian fee and a storage fee charged by the depository. These vary by custodian and by account size. Your Blanchard IRA specialist will walk you through the full cost structure before you commit to anything.
How are my metals stored?
IRS rules require that IRA metals be stored at an approved depository, not at your home. Blanchard works with GoldStar Trust, which uses secure, insured, and regularly audited depository facilities. Your metals are held in your name and fully segregated from other clients’ holdings.
What happens when I want to sell or take a distribution?
You direct your custodian to liquidate all or part of your position. Blanchard’s buyback guarantee means you have a committed buyer for the metals we sold you. Proceeds remain in your IRA until you take a distribution, at which point standard IRA distribution tax rules apply. Alternatively, you can take an “in-kind” distribution and receive the physical metals directly.
Do I pay taxes when I roll over?
A properly structured direct rollover from a qualifying retirement account to a self-directed IRA does not trigger a taxable event. Blanchard will help you execute the rollover correctly. For guidance specific to your tax situation, consult your accountant or financial advisor.
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