Figuring out what to do with your retirement savings shouldn’t be stressful. It can be overwhelming at times, so it’s good to plan accordingly, making smart investments you can benefit from when you retire.
Opening an Investment Retirement Account (IRA) is a simple, effective way to increase the earnings you work hard to put away. IRAs are useful because you can contribute a slice of your earnings before taxes. This wise investment strategy enables the interest to grow over time, ensuring you can relax when it’s time to stop working.
The most common IRA purchases include stocks, bonds, and mutual funds. A lesser-known advantage of some IRAs is the ability to invest in precious metals such as gold and silver, in the form of bars and coins.
There are many IRA accounts from which to choose. Each provides different services at different prices of which a well-prepared investor should be aware. American Hartford Gold offers a Gold IRA that proves enticing to many investors.
Company Background and History
American Hartford Gold is a family-owned and operated investment company that helps people invest in precious metals. Based out of Los Angeles, California, the group has been providing services to investors since 2015. They offer bars and coins at competitive pricing, specializing in gold and silver IRAs.
The company’s Chief Executive Officer, Sanford Mann, has worked with precious metals for more than a decade. President Scott Gerlis also carries over a decade of experience in gold and silver retail.
The group notes that they are a proud NASCAR sponsor and that they are the precious metals company of choice for journalist Bill O’Reilly.
American Hartford Gold operates with investors’ needs in mind. Convenience is everything these days, and they know it. They offer delivery straight to your home, or you can have the metals deposited into an IRA, 401K, or TSP account of your choice. Having these convenient options available at all times puts investors’ minds at ease.
It’s easy to get started with American Hartford Gold. They pride themselves on providing a quick three-step process that positions you to start investing in precious metals right away.
IRA Products and Services
American Hartford Gold provides metals and storage services similar to those of other IRAs. What sets them apart is the ease with which you can talk to an expert about your investments.
Here are the specifics of what you can purchase and how they are stored:
Variety of Precious Metals
In addition to investing in gold and silver IRAs, you can buy physical coins and bars. American Hartford Gold offers a wide variety of gold and silver coins, including the American Eagle, Canadian Buffalo, Australian Wildlife, and South African Krugerrand coins. You can also buy a 1 oz. gold bar and a gold or silver Valcambi CombiBar. Smaller selections of platinum options are available as well.
Before purchasing, you can view stats on each coin or bar, such as the manufacture, denomination, gold/silver content, metal purity, thickness, and diameter of the metal. The IRA eligibility of the coin should also be clearly marked.
Storage of Precious Metals
Choosing the right storage facility is equally as important as the precious metals you purchase. You can rest easy knowing American Harford Gold works with Brinks Global Services, International Depository Services (IDS), and the Delaware Depository Service Company (DDSC) to keep your physical investments secure.
The depositories are well known, trusted, and operate out of high-security facilities with billion-dollar insurance policies. They also have multiple nationwide locations, which means it never takes long for your metals to ship to the depository or you.
Diverse IRA Services
One thing that stands out with American Hartford Gold is their Buyback Commitment. Of course, you don’t have to sell your metals back to them. You can go with any precious metals group out there. However, they make things so convenient that other options seem less attractive. This liquidation process consists of three easy steps, and there are no extra fees involved.
You have real-time access to talk with leading experts about your investments. They are available to help you set up a new IRA or rollover your retirement savings to a Gold IRA without any hidden fees.
American Hartford Gold Fees
Unfortunately, American Hartford Gold does not list any annual management fees on its website. For specific pricing, you must call or email a representative.
Here’s the good news:
- They do not charge a one-time fee to set up a Gold IRA account or move funds over from an existing retirement account.
- They do not require a minimum contribution amount when you first open an account.
- They do not charge for the shipping of precious metals or the insurance and tracking on them.
- They do not charge extra liquidation fees if they buy back metals from you.
It’s also a good idea to keep an eye on special promotions. Occasionally, they offer free storage of precious metals for a limited number of years.
American Hartford Gold Features
In addition to selling IRAs and physical metals, American Harford Gold provides unique features to make investing as easy as possible.
Three-Step Initiation Process
Their three-step process allows you to start investing right away:
- Fill out a form.
- Talk to an agent to decide how much you should invest.
- Start adding funds to your account.
News and Resources
They provide regularly updated industry news, reports, and blogs from experts to keep you educated about your investment decisions. Associates are easy to reach by phone or email if you have any questions.
Free 25-Page Information Guide
Offered on their website is a free 25-page information guide to help you learn about investing in gold and silver. Their goal is to keep you informed throughout every step of your investment journey.
Up-to-Date Pricing Models
The prices American Hartford Gold follows are based on a model that constantly changes. Therefore, you can find the best deal at any given time. Their prices are updated on their website with a live ticker, making things clear and user-friendly.
Frequently Asked Questions
Can I trust that American Hartford Gold is a legit company?
Absolutely. The ratings and reviews for American Hartford Gold speak for themselves. They’ve been in the business since 2015, and they are already a well-respected investment company. There is a strong emphasis on customer service (a result of their tight-knit, family-owned business).
Will I own the physical precious metals after I buy them from American Hartford Gold?
Yes. You will own any precious metals you purchase from the company, including coins, bars, and bullion. These metals become yours upon buying them or opening a Gold IRA with American Hartford Gold. However, you must store them at an IRS-approved depository until you are eligible to retire. You always have the option of liquidating your account and taking the physical coins and bars into your possession, but there are heavy tax consequences if you are not yet 59.5 years of age.
How safe are precious physical metals stored in IRAs?
Your physical metals will always be safe and secure. American Hartford Gold works with the leading depositories: Brinks Global Services, International Depository Services (IDS), and the Delaware Depository Service Company (DDSC). These facilities invest billions of dollars in insurance and state-of-the-art security features to keep your coins, bars, and bullion protected at all times.
What is the minimum you must invest to open an American Hartford Gold IRA?
There is no minimum amount required to open an American Hartford Gold IRA.
Does American Hartford Gold offer any exclusive features?
They offer a Buyback Commitment, which is free of extra fees.
They guarantee to match competitors’ prices.
They provide an honest, reliable approach to each investor’s needs.
If you are just starting with investing in gold, American Hartford Gold is worthy of your time and money. An abundance of resources is available on their website for both new and experienced investors. The free 25-page information guide is a nice touch.
They receive exceptional customer service ratings for a reason. A quick look at the testimonial section of their website will show you how happy customers are. American Hartford Gold received an A+ rating with the Better Business Bureau and an AA rating with Business Consumer Alliance. They also boast 5-star ratings on both Trustpilot and TrustLink.
It helps that you don’t have to worry about startup fees or hidden liquidation fees. This company deserves its praise due to exceptional customer service from leading experts and a transparent investment system that keeps the investor informed at all times.