Disclosure: We are reader-supported. If you buy through links on our site, we may earn a commission. Learn more.
If you're like most Americans, you're contributing to an IRA or employer-sponsored retirement plan that doesn't allow for the purchase of physical precious metals.
If you want to diversify your retirement savings into alternative assets like gold and silver, you can either go at it yourself, or turn to a company that specializes in these precious metals IRA accounts.
Goldco is one of these gold and silver specialists ready to facilitate your new precious metals IRA. In this Goldco review, we'll look at their products, reputation, online ratings, fees, storage options, and more. Is Goldco worthy of your business? Let's dive in.
Goldco
Request Your Free Gold IRA Guide Today
Protect Your Retirement Savings with Physical Gold & Silver.
Goldco
Goldco is a privately held precious metals company located in Calabasas, California. With over a decade in business, the gold dealer specializes almost exclusively in precious metals IRAs.
They pride themselves on being a full-service firm. Outside of gold and silver IRAs, they also handle direct sales of precious metals and can ship products to customers across the United States.
What is a Gold IRA?
"Gold IRA" is a general term for a self-directed IRA that holds precious metals. The bulk of Goldco's dealings are in these gold and silver IRAs. Customers can transfer or rollover a portion of their retirement savings into physical gold, silver, platinum, and palladium bars and coins.
The company has a team of account executives that handle every step of the process from setting up a self-directed IRA, to moving funds between custodians, and purchasing the precious metals to be held in the new account.
How to Set Up a Gold IRA with Goldco
Over the last decade, Goldco has streamlined the process of opening your new gold IRA. Here's what to expect from making your initial contact to finalizing your gold IRA rollover:
Their expert team will work directly with you and the custodian of your existing account to determine exactly what is required for the safe and efficient transfer of funds to your new self-directed gold IRA.
- 1Claim your free Goldco IRA Kit: Just fill out this quick form on Goldco's website.
- 2A Goldco representative will reach out to confirm your mailing address in order to ship out your gold IRA informational kit. These kits normally ship within 2-3 business days.
- 3Review your informational kit when it arrives. If you decide to move forward with Goldco, you can call and ask to speak with a precious metals specialist within their IRA department.
- 4Your account exec will work directly with you to open your self-directed IRA.
- 5They will also work with the custodian of your existing retirement account to determine what is needed to ensure safe and efficient transfer or funds to your new self-directed IRA.
- 6After funds are transferred, you can select from Goldco's list of IRA-eligible precious metals to purchase with your IRA funds. If you're not sure what to buy, you can consult with your Goldco account executive.
- 7Your Goldco rep will then arrange to have your metals shipped (fully insured) directly to the storage depository of choice. The whole process is quick and easy.
Goldco's team opens these new gold IRA accounts every day. They are available to hold your hand through the entire process which can take as little as one week.
Request Your Free Gold IRA Guide Today
Protect Your Retirement Savings with Physical Gold & Silver.
Goldco Products
Goldco's website lists various coins for both direct purchase and for inclusion in your Gold IRA. Some of the more popular gold IRA products currently available include:
This list is just a small sample of products available for purchase with Goldco. If there's a specific bar or coin that you're interested in purchasing, make sure to ask your Goldco representative. There's a good chance that he or she will be able to source it.
Note that when buying gold for an IRA, it's best to stick with low-cost bullion vs. investment grade coins. This is especially true if you're new to precious metals.
Bullion bars and coins should trade close to the spot price of the underlying metals. Shop around and choose products with the goal of buying as much gold and silver as possible for your dollar.
If you are interested in adding IRA-eligible investment grade coins to your account, avoid coins that are exclusive to a specific dealer. Stick to coins that are valued and recognized by gold dealers world-wide.
Related: Should You Buy Premium Coins in an IRA?
Goldco's Gold IRA Fees
Gold IRA Custodial Fees
For the most up-to-date information on storage and custodial fees, we contacted Goldco directly. According to Goldco:
Goldco’s preferred Custodian charges a flat annual account service fee which includes a one-time IRA account set-up fee of $50, as well as a $30 wire fee. Annual maintenance is $100, and storage is $150 for segregated storage or $100 for non-segregated storage.
Fees for gold storage and custodianship can vary depending on the company you select to handle these services (required by the IRS, as all IRA assets must be managed by a custodian).
Depending on the Custodian, storage fees can range from $10 to $60 per month, or as a percentage of assets, from 0.35% to 1% annually. Goldco does not charge any storage fees for cash transactions over $25,000.
Related: Gold as the Safe Haven in Economically Turbulent Times
What is a Custodian? Below is an explainer video by Equity Trust Company, a popular gold IRA custodian used by Goldco and several other top precious metal IRA companies.
Gold IRA Vault Storage Options
The company can work with any of the top gold IRA storage depositories in the U.S. Usual suspects include:
- Delaware Depository Service Company (DDSC) is one of the largest precious metals IRA depository in the United States. DDSC offers non-segregated storage for a flat rate of $100 per year and segregated vault storage for $150 (total) each year.
- Brinks is one of the most widely recognized precious metals IRA depositories. Goldco offers non-segregated storage via Brinks for a flat rate of $100 per year. If you choose segregated storage, Brinks too can support your needs for an additional $50 annually.
- International Depository Services (IDS) is a full-service precious metals depository. Clients that request segregated vault storage have the option of using IDS. The company's storage fees are less straight forward, but still comparable to their competition..
Many customers choose the less expensive non-segregated vault storage option. You can discuss these options with your precious metals specialist and decide which makes the most sense for your purchase.
Annual Custodial Fees | Annual Storage Fees | Total Annual Costs |
|---|---|---|
$100 | $100-$150 | $200-$250 |
Very important to note: Goldco often runs promotions and other customer bonuses or incentives. For 2025, customers can receive up to $10,000 in free silver with qualifying accounts.
When you speak with your Goldco precious metals specialist, make sure to ask about this or any other current promotional offers.
Request Your Free Gold IRA Guide Today
Protect Your Retirement Savings with Physical Gold & Silver.
Buyback Program
If and when you choose to sell, take distribution, or liquidate your account, customers have the flexibility to sell to any buyer of their choice. If you do not want to find a buyer on your own, Goldco offers a generous buy-back program. While vetting gold IRA companies, make sure to get the details of their buy-back program in writing.
Compare their policies with competitiors to ensure fair pricing. To date, Goldco has never refused to buy back metals from any of their customers.
Customer Reviews and Reputation
In our Goldco company review, we've curated actual customer ratings from trusted third party websites. What do their actual customers say about the gold dealer?
Below, you'll find links to third party verified reviews:
- Better Business Bureau: The company has an A+ rating with the BBB and has been accredited with the organization since 2011.
- Business Consumer Alliance: Goldco has a AAA rating with the BCA (their top rating).
- TrustLink: Goldco boasts a 5-star average rating with TrustLink. This is based on 254 verified customer reviews.
- Trustpilot: The Gold IRA specialists also have a 4.8 Star average rating with TrustPilot based on 1,586 customer reviews.
- Google Reviews: The company has racked up 2,915 Google reviews with a total average rating of 4.9/5 stars.
- Consumer Affairs: They've racked up a 4.8/5 Star average rating based on 1,689 customer reviews.
Goldco Review: Inside look at client ratings, reviews, and complaints
Note: The team at GoldIRASecrets will do our best to keep these ratings displayed on third party sites updated. Visit each review website directly to find the most updated ratings and verified customer reviews.
Related: Traditional vs. Roth IRAs? What Gold and Silver Investors Need to Know
Pros and Cons
If you're on this site, you're likely doing the smart thing - researching reviews, ratings, and complaints for some of the top gold IRA dealers in the industry.
What We Like About the Company
Based on our review, we've placed Goldco at the top of our list for precious metals IRA dealers for 2025. The company has been in business for over a decade (not a fly-by-night company), their fees are competitive, they've racked up thousands for glowing reviews from past customers, and they have a generous buy-back program. They also have no account minimums, and a wide selection of IRA-eligible gold, silver, platinum, and palladium products to choose from.
Goldco Complaints: What We Don't Like
The only criticism we have of this company is that they do not list product pricing directly on their website. Potential customers will need to get on the phone in order to compare prices with the competition.
There are competitors such as Birch Gold or American Hartford Gold that will open new accounts for as low as $10,000, allowing a wider range of buyers the opportunity to diversify into precious metals.
Goldco Review
Great reviews, low fees, a wide selection of metals, and no account minimums. These are all excellent when vetting a company.
We've actually got on the phone and spoke with an account rep to get a feel of how they do business. In our experience, this company has a relaxed, no-pressure approach when working with customers.
We are pleased to promote Goldco and have placed them at the top of our list of best gold IRA dealers for 2025. Compare companies for yourself and buy from the gold dealer that makes the most sense for your situation.
Visit Goldco's website to claim your free Gold IRA Kit today.
