The short answer: The best gold IRA rollover company for you is one that puts every fee and markup in writing, uses an independent custodian and depository, has a clean regulatory record, and never pressures you. Rankings go stale fast: one company that many “best of” lists recommended, Oxford Gold Group, shut down in 2024 amid allegations that client money was taken without metal being bought. Check any company yourself using the steps below.
Disclosure of our relationships: Noble Gold Investments is our affiliate partner. We earn a commission if you request information through our links. We have no relationship with the other companies named on this page.
What makes a gold IRA rollover company good?
| Criteria | What good looks like | Red flag |
|---|---|---|
| Pricing | Markup over spot stated in writing for each product | “It depends” or refusing to say |
| Fees | Full custodian and storage fee schedule up front | Fees revealed only after you sign |
| Custody | Established third-party custodian and independent depository | Dealer stores metal itself or suggests home storage |
| Products | Standard IRA-eligible bullion coins and bars | Pushes rare, proof or “exclusive” coins |
| Sales approach | Answers questions and lets you take time | Crash predictions, urgency, “move everything” |
| Track record | Years in business, no unresolved regulatory actions | Recent enforcement, unresolved complaints, closed offices |
| Buyback | Clear buyback process at market prices | Vague or no buyback |
How do you check a company’s record?
- Search enforcement databases. Look up the company on the SEC action lookup and the CFTC enforcement actions page.
- Contact your state securities regulator through NASAA’s directory and ask about complaints.
- Check the BBB for complaint patterns and whether complaints were resolved, not just the letter grade.
- Search news and court records for the company name with words like lawsuit, bankruptcy or settlement.
- Confirm it is active in your state’s business registry.
What is the status of companies we have reviewed?
| Company | Status (October 2026) | Notes |
|---|---|---|
| Noble Gold Investments | Operating | Our affiliate partner. Founded 2016, Encino, California. Offers storage in Texas and Delaware. |
| Advantage Gold | Operating | Founded 2014. Reported a data breach affecting about 7,960 people in 2025. Read review |
| Lear Capital | Operating | Chapter 11 filing in 2022; $5.5 million multistate settlement in 2023. Read review |
| Oxford Gold Group | Closed in 2024 | Class action and federal investigation reported. What former clients should do |
| Rosland Capital | Chapter 11 in 2026 | Reported 617 customers owed at least $60 million in undelivered orders and buybacks |
We will add more company reviews over time. Until then, use the checklist above for any company you are considering.
How does the rollover itself work?
- Open a self-directed IRA with the custodian the company works with, or one you choose.
- Request a direct rollover or trustee-to-trustee transfer from your 401(k), TSP or IRA.
- When funds arrive, lock in your metal purchase at a written price.
- Confirm on your custodian statement that the metal was delivered to the depository.
Our gold IRA rollover guide covers timing, the 60-day rule and common tax mistakes.
What questions should you ask every company?
- What is your markup over spot on this product, as a percentage?
- What would you pay me today to buy it back?
- Which custodian and depository do you use, and what are their yearly fees?
- Is my metal stored segregated or commingled, and who insures it?
- Have you ever been subject to a regulatory action or bankruptcy?
Ask at least two companies the same questions on the same day, then compare. If you want to include our partner, request Noble Gold’s free kit below.
Frequently asked questions
What is the best gold IRA company?
There is no single best company for everyone. Look for written pricing, an independent custodian and depository, a clean regulatory record and no sales pressure, and compare at least two quotes.
How do I know if a gold IRA company is legitimate?
Check the SEC and CFTC enforcement databases, your state securities regulator, the BBB complaint history, court records and your state's business registry.
Is Oxford Gold Group still recommended?
No. Oxford Gold Group closed in 2024 amid a class action and a reported federal investigation. Former clients should contact their IRA custodian directly.
Do gold IRA companies hold my gold?
They should not. Reputable dealers use a separate IRA custodian and an independent depository to hold and store your metal.
How much does a gold IRA rollover cost?
The rollover itself is usually free or low cost. Ongoing costs include setup, custodian and storage fees plus the dealer markup on metal.
Sources: ABC7 on Oxford Gold Group, Money Metals on Rosland Capital, SC Attorney General on Lear Capital. Company details change; verify directly before investing.