Obtain custodian agreement, dealer invoice, storage terms, fee schedule and tax disclosures. That is the working decision for this guide. The aim is to make a choice that survives closer inspection, rather than repeat a broad list of supposed benefits.
Demand documents before a rollover
Review the legal entities separately: dealer, IRA custodian, and storage depository. Request written fee schedules, metals eligibility, custody terms and an example of both purchase and sale pricing.
For this decision, keep a dated note of who supplied each important detail. Mark written evidence separately from assumptions, quotations and sales claims. You should be able to explain later why one option fit the original requirement better than another.
The useful document
Save an itemized quotation, dated screenshot, confirmation message or other primary record. It is easier to resolve a disagreement with documents.
Obtain custodian agreement, dealer invoice, storage terms, fee schedule and tax disclosures. A useful comparison considers what you would do differently if the answer changes. If the uncertainty would not alter the decision, do not spend all your effort researching a trivial detail.
One failure point to address before you act
The easy mistake is specific: Phone descriptions are not sufficient records for a retirement decision. Build a simple check for that risk into the process before committing money, time or sensitive information.
Ask the person or provider responsible for that policy to confirm it in writing. Keep a copy with the other records for this decision. Do not infer a guarantee merely because a marketing page uses reassuring language.
Treat tax and marketing claims as different things
The IRS has special rules for IRA collectibles and certain qualifying precious metals. Do not rely on a sales script to determine eligibility, distributions or tax outcomes. Use current IRS guidance and independent tax advice.
Questions worth asking
- Which company is the dealer, custodian and vault?
- Do you have the complete written fee schedule?
- Is the exact coin or bar eligible under IRA rules?
- How will the account holder sell, transfer or take distributions?
Answers should refer to the exact product, property, clinic, service or fund under consideration and to the relevant date. If answers conflict, pause the transaction and identify which source is authoritative.
Next useful action
Obtain custodian agreement, dealer invoice, storage terms, fee schedule and tax disclosures. Begin with one written comparison or question list, not a large irreversible commitment. Then use the resources below and the site's research or matching page to move from general guidance to the specifics of your situation.