IRAPhysicalGold Podcast

One request does more than any argument about gold: send the complete fee schedule in writing, including the markup over spot on the exact coins being recommended. This episode covers why that sentence is the uncomfortable one, how the pitch arrives now that deepfake adverts and text messages do the introductions, why telling a parent gold is a scam backfires, what a straight answer looks like, the thirty day test that costs nothing, the trusted contact form that lets a firm pause a suspicious payout without anyone giving up control, and the roughly 72 hour window when a wire has already left.

Full article: https://iraphysicalgold.com/how-to-protect-aging-parents-from-gold-ira-scams/

Two of the three companies in a gold IRA answer to a regulator. The dealer who sold you the metal usually does not, because physical bullion is a commodity rather than a security. This episode covers the four-word question that finds out, the joint regulator alert saying custodians do not vet the people who promoted an asset, who actually enforces anything in this market, the badges dealers offer instead of an answer, what the CFTC and SEC enforcement record contains, how enforcement history survives a rebrand, and the fee arithmetic that makes a small account a no.

Full article: https://iraphysicalgold.com/who-actually-regulates-gold-ira-companies-and-who-does-not/

A gold company going out of business is the fear. The timing is the actual risk. This episode covers the one window where a dealer collapse costs you money: funds gone from the IRA, metal not yet confirmed at the depository. Why a post-settlement failure barely registers, what a custodian failure actually involves under Section 408(n), what Rosland Capital and Regal Assets have in common, what a buyback guarantee is worth in bankruptcy, why allocated storage is a structure rather than a fee tier, and what to do the same day if money is already in transit.

Full article: https://iraphysicalgold.com/what-happens-if-your-gold-ira-dealer-goes-out-of-business/

Every Gold IRA statement shows a value. Fewer show an inventory. This episode covers the one request that reveals whether you own specific bars and coins or a pro rata share of a pool: the depository's own holdings statement. Segregated against commingled storage, the 50 to 150 dollar annual difference, what pooled storage is and is not, what bailment does in a depository bankruptcy, the Bullion Direct case, the audit standards worth asking about, and the two exclusions hiding behind the billion dollar insurance headline.

Full article: https://iraphysicalgold.com/how-to-verify-your-gold-is-actually-in-the-depository/

A checkbook IRA LLC is a real structure, and the version that puts the coins in a box at home has already been to Tax Court. We follow the chain of logic to the link where it breaks, read what Section 408 and 408(m) actually require, go through the McNulty numbers and what the repair costs after the fact, and then take the two current versions of the same pitch: the home that is sold as a private depository, and the one built on state legal tender laws.

Full article: https://iraphysicalgold.com/the-checkbook-ira-llc-for-gold-and-why-the-home-storage-loophole-fails/

A salesperson tells you a self-directed account means you can title the coins you already own into your Gold IRA. Purity is not what stops it. We work through the channel rule that makes the coin in your safe a different asset from the coin in the account, the retroactive cliff in Section 4975, how the IRS would ever find out, the four other transactions that sit on the same cliff, and what the compliant sell-and-rebuy route costs on 50,000 dollars of bullion once the 28 percent collectibles rate and your retirement bracket are both in the picture.

Full article: https://iraphysicalgold.com/can-you-put-gold-you-already-own-into-a-gold-ira/

Two deadlines run on a Gold IRA rollover and they are not the same rule. The 60-day clock on an indirect rollover has a free remedy the phone call rarely mentions: self-certification under Revenue Procedure 2016-47, against a closed list of twelve reasons. We go through what the letter contains, where it goes, and why a certification is not the same thing as an IRS waiver. Then the once-per-year limit, which has no remedy at all: on 60,000 dollars a second indirect rollover costs more than 20,000 in tax and penalty, and 3,600 dollars a year after that if the money is deposited anyway.

Full article: https://iraphysicalgold.com/how-to-fix-a-missed-60-day-rollover-deadline-on-a-gold-ira/

The silver in a free silver promotion is real. What it costs sits on a line of the invoice with no name on it. We weigh a 100,000 dollar purchase at a promotional premium, follow the spread out to the CFTC's own outer edges, and look at what the free kit actually buys. Then the parts that rarely come up on the call: how the person on the phone is paid, the tax bill hiding inside an exclusive coin, where the same day deadline really comes from, and the one question that prices the whole deal in under a minute.

Full article: https://iraphysicalgold.com/what-free-silver-promotions-from-gold-ira-companies-really-cost-you/

Two situations where moving retirement money into a Gold IRA is the wrong sequence rather than the wrong idea. Company stock in a 401(k), and the net unrealized appreciation election that no procedure can restore once a rollover has closed it. And the annual backdoor Roth that a pre-tax rollover quietly turns taxable, every year, because every traditional IRA counts as one pool. Both are decided before any paperwork moves.

Full article: https://iraphysicalgold.com/the-nua-tax-break-you-lose-when-company-stock-goes-into-a-gold-ira/

A first Gold IRA statement often reads lower than the purchase price, and the gap is the dealer premium rather than a mistake. We work through how custodians set the December 31 value, what a round trip costs on standard bullion, why a flat annual fee lands hardest on small balances, and the one calculation that turns your own statement into a pricing benchmark you can use on the next quote.

Full article: https://iraphysicalgold.com/why-your-gold-ira-statement-is-worth-less-than-you-paid/