In short: Retirement With Gold is a small, independent publication that explains how gold and silver IRAs work, what they cost and how to avoid the common sales traps. It is run by Ben, not by a gold dealer. We earn money through affiliate links, and we say so on every page where that applies.
Who runs Retirement With Gold?
The site was started in 2023 by Ben, an independent publisher who writes about retirement planning for everyday savers. Ben is not a licensed financial advisor, broker or precious metals dealer, and the site does not sell metal, manage money or open accounts.
The goal is simple: give people approaching retirement a calm, plain-English explanation of precious metals IRAs before they talk to a salesperson.
What do we cover?
- How gold IRAs work: custodians, depositories, rollovers, transfers and distributions.
- IRS rules: contribution limits, approved metals and purity standards, storage requirements and required minimum distributions.
- Costs: setup, custodian and storage fees, plus the dealer spreads that are easy to miss.
- Company reviews and scam warnings: what to ask, what to avoid and what regulators have found.
How do we research our articles?
We start with primary sources and link to them wherever we can:
- The IRS, including its guidance on collectibles and precious metals in IRAs and its yearly contribution limit announcements.
- Enforcement actions and investor alerts from the SEC, the CFTC and state securities regulators.
- Company disclosures, fee schedules and account agreements, confirmed directly with the company when possible.
Rules and limits change. We review our core guides when the IRS publishes new figures each year, and we note the year a figure applies to.
How do we make money?
Some links on this site are affiliate links. If you request information or open an account through one of them, we may receive a commission. You do not pay more because of it.
- Our current affiliate partner is Noble Gold Investments. We may add other companies over time and will list them here.
- Pages with affiliate links carry a disclosure near the top of the page.
- Payment never changes the facts we report. We include risks, fees and regulatory history even for companies we work with.
Is this financial advice?
No. Everything here is general education, not investment, tax or legal advice. Gold and other precious metals can fall in value, pay no interest or dividends, and can take longer to sell than stocks or funds. Before you move retirement money, talk with a licensed financial professional or tax advisor who knows your situation.