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About the Author
Michael Torres, CFA is a Chartered Financial Analyst with 15+ years specializing in self-directed retirement accounts and alternative asset allocation. He has personally evaluated and opened accounts with all five custodians listed on this page.
Methodology: Companies are ranked based on a 7-factor scoring rubric: IRS compliance record, fee transparency, storage options, BBB/BCA ratings, minimum investment, buyback guarantees, and customer service responsiveness tested via mystery inquiry. Rankings are reviewed quarterly.
Last reviewed: March 2026 | Next review: June 2026
Sources & References
- IRS Publication 590-A: Contributions to Individual Retirement Arrangements — irs.gov
- IRC Section 408(m)(3): IRS Precious Metals IRA Rules — law.cornell.edu
- IRS Topic No. 413: Rollovers from Retirement Plans — irs.gov
- U.S. Mint: American Eagle Bullion Coins — usmint.gov
- SECURE 2.0 Act of 2022: RMD Age Changes — congress.gov
