Goldco is a premier precious metals dealer and IRA provider based in Calabasas, California. The company sells IRS-approved gold and silver coins and bars for both retirement accounts and direct purchase. Its services are primarily designed for retirement investors who want to move money from a traditional IRA or 401(k) into physical precious metals.
Below, we discuss Goldco’s products, rates, customer experience, and how they compare to other precious metals dealers.
Overview of Goldco
Goldco operates as a dealer, not a custodian or storage provider. This means that while the company sells silver and gold, it does not manage retirement accounts or directly store the metal. Instead, Goldco works with third-party custodians to manage self-directed IRAs and IRS-approved custodians to store physical metals.
The company also helps customers roll over funds from existing retirement accounts into self-directed precious metals IRAs. GoldCo may be a good fit for investors seeking exposure to physical metals as part of their retirement strategy.
Goldco products and services
Goldco offers IRS approved gold coins, silver coins, and bars.
Customers who wish to purchase metal directly can have the metal shipped to their home, bank, or secure storage facility. However, metals purchased for a precious metals IRA must meet IRS purity requirements, including:
- gold: 99.5%
- silver: 99.9%
- American Gold Eagle: 91.67%
To open a gold IRA, GoldCo connects customers with experts to help them open a self-directed retirement account, move funds from an existing IRA or 401(k), and select eligible metals to store in an approved facility.
How the GoldCo process works
A typical Goldco customer experience looks like this:
- Complete your consultation and account setup. A Goldco specialist will explain the fees, storage options, and paperwork required to open a self-directed IRA.
- Inject funds into your account. Move funds from your existing retirement accounts, such as 401(k)s, 403(b)s, and IRAs, into your new precious metals IRA..
- Select metal. Choose IRS-approved gold coins, silver coins, or bars with guidance from Goldco experts.
- Organize your storage. Metals are stored in an IRS-approved facility with insured storage.
Goldco fees and pricing considerations
Like most precious metals dealers, Goldco charges spot prices, which are higher than the current market price of gold and silver. In addition to dealer markups, custodians and storage providers charge other fees for precious metals IRAs.
Goldco’s exact markup is not posted online and may vary depending on the product you purchase. However, costs typically include:
- $50 once to set up
- Annual maintenance fee is $125
- $100 for shared storage, $150 for separate storage
Hint: It’s important to understand the full cost of your precious metals account, as markups and fees can reduce your overall investment return. Before committing, ask for written documentation showing the total purchase price, current spot price, repurchase terms, and a complete list of fees.
Goldco reputation and customer experience
Goldco has an A+ rating from the Better Business Bureau, with an average of 4.8 stars from over 1,500 customer reviews. We also received Money.com’s “Best Customer Service” award in 2023, 2024, and 2025.
Trustpilot reviews frequently praise the company’s personable and knowledgeable staff. Customers appreciate smooth account setup and responsive service. Less favorable reviews, although less common, cite concerns about cost transparency.
Advantages and disadvantages of Goldco
Weigh the following tradeoffs before committing to Goldco.
Strong Points
- Educational resources and one-on-one support from an account specialist
- Guided support for Gold IRA setup and rollovers
- IRS approved physical gold and silver
Cons
- Real-time metal prices are not available online
- Foreign investors cannot purchase directly.
- Storage charges apply regardless of account size
Goldco and competitors
Precious metals dealers offer similar core services. They facilitate gold and silver IRAs and sell physical metals. Key differences include pricing transparency, minimum investment requirements, customer education approach, and account setup support.
When comparing dealers, remember that all dealers work with third-party custodians (who manage your accounts) and custodians (who store your metals). Focus on the differences in prices, minimums, and quality of service rather than the products themselves.
Here’s how Goldco compares to other prominent gold dealers:
conclusion
Goldco is one of many reputable precious metals dealers that facilitate gold and silver IRAs. Still, investment results are not guaranteed and fees vary by dealer. To buy gold safely, compare at least three companies, request fee disclosures in writing, and consult a qualified financial professional before moving your retirement funds into precious metals.
Overview of Goldco
Frequently asked questions about Goldco
Is Goldco an authorized precious metals dealer?
Yes, Goldco is an authorized dealer. It primarily works with gold and silver IRA accounts and direct sales of bullion.
Does Goldco offer Gold IRAs?
yes. Goldco offers Gold IRAs to help customers roll over funds from existing retirement accounts into self-directed precious metals IRAs.
Is it safe to buy gold through a dealer like Goldco?
Purchasing gold through a dealer like Goldco is usually safe. However, gold still has market risks and its price can fluctuate.
