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American Hartford Gold, based in Los Angeles and founded in 2015, specializes in gold and other precious metals IRAs. Known for no liquidation fees and a low account minimum, they offer a first-year fee waiver and a buyback commitment. Their services include self-directed IRAs, which permit a broader range of investments like precious metals and cryptocurrencies, and direct purchase options for gold and silver coins and bullion. They support investments in a variety of IRS-approved coins and provide easy access to IRA-eligible products through their platform.
Years in business
American Hartford Gold has been in business since 2015. They have demonstrated reliability through their business practices, which include no liquidation fees and a buyback commitment. Moreover, they offer a low account minimum and waive fees for the first year for their clients. They have not been listed with any major complaints or issues that would suggest unreliability.
Minimum IRA investment
The minimum investment required for opening a gold or silver IRA with American Hartford Gold is generally $10,000. This amount is cited across several sources and appears to be the standard for IRA rollovers with the company. For direct cash purchases of precious metals, the minimum investment is lower, set at $5,000123. It's important to note that there seems to be no minimum investment required for setting up gold and silver IRAs, which means that the $10,000 minimum is specifically for IRA rollovers, not for the initial IRA setup.
The fee structure for American Hartford Gold includes:
Setup Fee: This fee is waived, meaning there is no charge to set up your IRA.
Annual IRA Fee: There is a $75 fee for accounts under $100,000 and $125 for accounts over $100,000.
Annual Storage Fee: A flat fee of $100 is charged annually for the storage of your precious metals.
American Hartford Gold also offers promotions that can waive storage, maintenance, and insurance fees for up to three years under certain conditions. For a full understanding of their fee structure and any potential promotions, it's recommended to contact American Hartford Gold directly or visit their website.
American Hartford Gold offers a comprehensive suite of services for investors interested in gold and silver assets:
Precious Metals IRAs: They specialize in facilitating Gold IRAs, helping customers to start a Gold IRA, offering an IRA intake form, guidance on converting an existing IRA to gold, providing an RMD estimator, and answering frequently asked questions about Gold IRAs.
Direct Purchase: Clients can buy gold and silver directly, with a selection available from their catalogs. They provide information on the benefits of investing in precious metals, tips on purchasing gold, and offer specials on current gold and silver products.
Simple Purchase Process: The process for buying gold and silver is straightforward and involves a discussion with an account executive to determine the best investment options, followed by free delivery of the physical metals.
Customer Ratings and Trust: American Hartford Gold has an A+ rating from the Better Business Bureau and high customer ratings on Google and Trustpilot. They also offer free storage, maintenance, and insurance for up to three years, have a buyback commitment, offer free shipping, and provide a price match guarantee.
These services are designed to cater to both individual investors who wish to own physical precious metals and those looking to diversify their retirement savings through Precious Metals IRAs. American Hartford Gold focuses on providing customer-oriented services to make investing in gold and silver accessible and secure.
Best Suitable for
American Hartford Gold is suitable for investors seeking to diversify their retirement portfolios with precious metals IRAs, and for those preferring physical gold and silver for investment. Their services are particularly beneficial for individuals who appreciate personalized investment advice, no liquidation fees, and a company with a strong customer satisfaction record. With a low minimum investment requirement, American Hartford Gold is accessible to both new and experienced investors aiming to safeguard and grow their retirement funds or personal wealth with precious metals.
Storage and Insurance
American Hartford Gold offers free storage, maintenance, and insurance for up to three years for its clients. They partner with industry leaders like Brinks and the Delaware Depository for the secure storage of precious metals. The annual storage fee is generally $100, ensuring your investments are safely housed in IRS-approved depositories.
Application steps
To invest with American Hartford Gold, you would need to:
Open an account with American Hartford Gold.
Review and complete the necessary forms to initiate the transfer of funds.
After submitting the documents, American Hartford Gold will verify the funds with your current custodian.
Once verified, the funds will be transferred to your new Gold IRA with American Hartford Gold.
For a more detailed step-by-step process, it's advisable to contact American Hartford Gold directly or visit their website.
Our Verdict
American Hartford Gold impresses with its commitment to transparency, customer satisfaction, and premium quality products. The limited range of products is outweighed by their premium quality, the assurance of a buyback guarantee, and the availability of extensive educational resources. The company’s transparent pricing and knowledgeable staff make the investment journey smoother and more informed. The premium prices might be a concern for some, but the quality and reliability offered by American Hartford Gold justify the cost. In conclusion, it is a reliable choice for anyone looking to delve into premium gold investments.
