The Short Answer First
A free Gold IRA kit is only useful if it gives you numbers you can check, names you can verify, and steps you can follow without talking to a salesperson first.
If a kit contains no dated premium explanation, no fee schedule, no custodian and depository names, no list of eligible metals, no written rollover timeline, no buyback terms, and no clear statement that you should never have to sign first and learn the price later — it is not an education kit. It is a brochure designed to get your phone number.
A real kit does the opposite. It teaches you how to compare any dealer, including Capstone Metals, on the same worksheet. It explains what you will pay above spot, what you will pay every year to hold the account, who actually holds your metals, what the Internal Revenue Service allows inside an IRA, how long a rollover or transfer really takes, and how you would exit if you change your mind. It also tells you plainly what it cannot tell you in print, and where that information will be confirmed in writing before you decide anything.
You should never have to give a Social Security number, bank login, or account credentials to receive a free kit. You should never have to agree to a purchase to get the fee schedule. And you should be able to use the kit in about 20 minutes to decide whether a conversation is worth having at all.
That is the standard this guide uses. Read it once, then use it to judge every kit you request — starting with ours.
Start here: Download the Wealth Protection Guide and keep this page open beside it. If you want a person to walk through it with you, request a Free Retirement Protection Review or call (800) 200-9553. There is no cost for the review and no obligation to open an account.
What a Gold IRA Kit Usually Is
Most free Gold IRA kits begin the same way. You see an ad or a web page offering a free kit, you enter a name, email, and phone number, and you receive a glossy PDF or a packet in the mail a few days later. Inside, there is usually a short history of gold, a few charts showing past periods when metals rose while other assets fell, a page about inflation and national debt, photographs of coins and bars, and an invitation to call for current pricing.
None of that background is harmful on its own. History can help you understand why some retirement savers consider a portion of physical metals. Photographs can help you distinguish a one-ounce coin from a fractional coin or a bar. A general explanation of what a self-directed IRA is can be a helpful starting point if you have only ever held a workplace 401(k) or a brokerage IRA invested in funds.
The problem is what is usually missing.
In many kits, there is no specific premium figure. There is no example showing spot price, premium over spot in dollars and in percent, and the total price you would pay for a named product on a named date. There is no complete fee schedule listing the custodian's setup fee, annual administration fee, storage fee, and transaction fees in dollars. The custodian is described in general terms — "IRS-approved custodian" — without a name. The depository is described as "secure, insured storage" without a location, an insurance explanation, or a statement about segregated versus commingled storage. The rollover process is reduced to "we handle everything in three easy steps," with no timelines, no distinction between a direct transfer and a 60-day rollover, and no warning about taxes or penalties if a rollover is handled incorrectly. Buyback is described as "we buy back at any time" without any written terms about pricing method, timing, or fees.
In other words, the kit explains why you might be interested, but not what it would cost, who would be involved, how long it would take, or how you would get out. Those are exactly the questions that determine whether a Gold IRA is suitable for you and whether a particular firm has earned a conversation.
A better way to think about any kit is as a due-diligence tool. Its job is not to convince you. Its job is to give you enough concrete information that you can compare two firms side by side, spot gaps without needing industry experience, and arrive at a first call — if you choose to have one — with specific questions already answered in writing.
The seven items in the next section are that test. If a kit passes all seven, it has done its job. If it passes only two or three, you have learned something important: the firm is asking for trust before it has provided evidence.
The 7 Things a Real Kit Must Contain
1. A Dated Premium and Premium-Over-Spot Explanation
Spot price is the current market price for one troy ounce of the raw metal. It is not the price you pay for a coin or bar. What you pay is spot plus a premium — the amount above spot that covers minting, fabrication, distribution, and the dealer's margin. Premiums vary by product, by quantity, and by market conditions, and they change. That is why a useful kit does not just say "competitive premiums." It shows you the math, with a date.
Here is what a clear example looks like using tonight's checked figures for illustration only. At the November 2, 2026, 5:00 PM ET close, spot gold was $3,946.74 per troy ounce and spot silver was $50.65 per troy ounce. If a one-ounce gold product were quoted at, for example, $4,150 on that date, the premium would be $203.26, or about 5.2 percent over spot. The kit should show that calculation step by step, label the date and time of the spot price, and state clearly that premiums on a live quote will differ and must be confirmed in writing on the day you price an order.
A real kit also explains why premiums differ between products. Common bullion coins produced in large volume typically carry lower premiums than smaller fractional coins, proof coins, or limited-issue products, because the minting cost is spread over a larger amount of metal. It explains that collectible or numismatic coins can carry premiums that reflect rarity or grading rather than metal content, and that those higher premiums are one reason many IRA buyers focus on bullion products whose value tracks the metal more closely. For a deeper walk-through of checking a live quote, see our 60-Second Quote Check.
What to look for: at least one fully worked, dated example; a definition of spot and premium in plain language; and a written commitment that your actual premium will be itemized — product, spot at time of quote, premium in dollars and percent, and total — before you authorize anything. If a kit uses only percentages without dollars, or only dollars without tying them to a dated spot price, you cannot recreate the math. Ask for the missing piece in writing.
2. A Full Fee Schedule With Dollar Figures — or an Honest Statement of Where Figures Are Confirmed
A Gold IRA has costs beyond the price of the metals. A self-directed IRA custodian charges to establish and administer the account. A depository charges to store and insure the metals. There may be transaction, wire, shipping, and reporting fees depending on the custodian and the type of transaction. These fees are not hidden costs invented by a dealer; they are the normal structure of holding physical assets inside a retirement account. A real kit lists them.
The schedule should name each fee, who charges it, how often it is charged, and the dollar amount or the exact place where the current dollar amount is published by the custodian. Annual administration fees, for example, should be stated as a dollar figure per year, not as "low annual fees." Storage should be stated as a flat dollar figure or as a basis-point figure with a worked example, with a clear statement of whether storage is segregated — your specific coins and bars held separately — or commingled, and whether the fee differs between those options. Setup fees should be identified as one-time. Any fee the dealer itself charges, if any, should be listed separately from custodian and depository fees so you can see who receives what.
Some fees do change over time because they are set by the custodian or depository, not by the dealer distributing the kit. An honest kit says so directly. It does not leave the fee page blank, and it does not use a changeable fee as a reason to omit all figures. It gives the figures as of the kit's publication date, names the source, and states where you will confirm the current schedule in writing before opening an account — typically on the custodian's own fee schedule, which you should receive and review before signing account documents.
For a complete breakdown of how these fees interact over several years, read our Gold IRA Fees Complete Guide alongside any kit you receive.
What to look for: a table, not a paragraph. Fee name, charged by whom, frequency, and amount. If any figure is missing, the kit should say exactly when and in what document you will see it — before any purchase, not after.
3. Custodian and Depository Names and Roles
In a Gold IRA, three roles matter and they should never be blurred. The dealer helps you select and purchase eligible metals. The custodian is the IRS-approved financial institution that administers the self-directed IRA, holds the account, processes contributions, transfers, and distributions, and handles required reporting. The depository is the specialized facility that physically stores the metals owned by your IRA, under the custodian's direction. You, as the account holder, do not take personal possession of IRA metals while they remain in the IRA; doing so can be treated as a distribution with tax consequences.
A real kit names the custodian or custodians it works with and names the depository or depositories it uses. It explains, in one or two plain sentences each, what each party does and does not do. It explains how metals are shipped to the depository, how holdings are verified, what insurance covers, and how you can view or confirm your holdings through the custodian. It also explains what happens if you take a distribution in kind — receiving the physical metals themselves as a distribution — versus liquidating to cash, and that the tax treatment is determined by your account type and circumstances, which is a question for your own tax advisor.
Naming matters for a practical reason: you can verify names. You can confirm that a custodian is a regulated institution that offers self-directed IRAs. You can read its own fee schedule and reviews independently. You can confirm that a depository is a real facility that serves retirement accounts. A kit that uses only generic phrases — "top-rated custodian," "world-class vault" — gives you nothing to verify.
What to look for: proper names, roles separated clearly, and a statement that account documents will come from the custodian itself. If a kit asks you to wire funds to a name that does not match the custodian named in the kit, stop and verify independently before proceeding with any firm.
4. An Eligible-Metals List Per §408(m)
Not every gold, silver, platinum, or palladium product can be held in an IRA. Internal Revenue Code §408(m) sets the standard. In general, metals must meet minimum fineness requirements — 0.995 for gold, 0.999 for silver, 0.9995 for platinum and palladium, with a specific exception for American Eagle coins — and must be produced by a national government mint or an accredited refiner or manufacturer. Collectible coins are generally not eligible, even if they are made of gold or silver.
A real kit lists eligible products by category and gives the fineness standard in writing. It distinguishes between bullion coins, such as American Eagles, Canadian Maple Leafs, and other government-mint bullion issues that meet the standard, and bullion bars from accredited refiners that meet fineness and marking requirements. It also flags what is not eligible: graded collectible coins sold primarily for rarity, jewelry, and metals below the fineness threshold. It does not need to list every product in existence, but it must give you enough to check any specific product a salesperson mentions against the written standard in the kit.
This section protects you in two ways. First, it prevents a costly mistake: purchasing a product for an IRA that the custodian cannot accept. Second, it helps you understand pricing conversations. When a product carries a much higher premium than a standard bullion alternative, you can ask whether that premium reflects metal content and minting, or collectible value that may not be appropriate for a retirement account focused on the metal itself. That is a question you can ask calmly, with the kit open, rather than discovering the distinction after a purchase.
What to look for: the §408(m) reference, the fineness numbers, and a clear eligible versus ineligible distinction. A kit that shows pages of beautiful coins without stating which of them are IRA-eligible has put photography ahead of compliance.
5. A Rollover and Transfer Step Sequence With Timelines
Most Gold IRAs are funded from an existing retirement account — a former employer's 401(k), a traditional IRA, or in some cases a 403(b), TSP, or similar plan. How the money moves matters for taxes, timing, and paperwork. A real kit explains the two main paths separately and gives realistic timelines for each.
A direct transfer, used for IRA-to-IRA moves, is a transfer of funds directly from one custodian to another. You do not take possession of the funds. There is generally no tax withholding on a direct transfer and no annual limit on the number of IRA-to-IRA transfers you can make, though your current custodian's processing time affects how long it takes. A kit should say that processing commonly takes days to a few weeks depending on the releasing custodian, and that timelines are estimates, not promises.
A rollover involves a distribution. In a direct rollover from a workplace plan to an IRA, the plan sends funds directly to the new custodian, which avoids mandatory withholding. In an indirect or 60-day rollover, funds are paid to you and you must redeposit the full amount into an IRA within 60 days to avoid the distribution being treated as taxable, subject to rules that include a one-per-12-month limit for IRA-to-IRA indirect rollovers. A real kit states the 60-day deadline prominently, warns that missing it can create taxes and, depending on age, penalties, and recommends confirming your specific situation with your tax advisor before choosing an indirect path. Any kit that describes a 60-day rollover as simple or risk-free without that warning is incomplete.
The step sequence itself should be numbered: confirm eligibility of the source account, open the self-directed IRA with the named custodian, initiate the transfer or rollover with the correct forms, wait for funding and confirm receipt, select eligible metals with an itemized written quote, authorize the purchase, ship metals to the depository, and confirm holdings through the custodian. Each step should name who acts — you, the new custodian, the prior custodian, or the dealer — and what confirmation you should receive.
What to look for: transfer and rollover explained as different paths, the 60-day rule stated with its risk, and a numbered sequence with estimated timelines labeled as estimates. "We handle everything" is not a sequence.
6. Buyback and Exit Terms in Writing
Every retirement investment should be considered with its exit in mind, not because you plan to leave quickly, but because life, required minimum distributions, rebalancing, and changing goals can all require selling at some point. A real kit explains, in writing, how selling metals from your IRA works with that firm.
It should state whether the dealer offers a buyback, that any buyback price will be based on market conditions at the time of sale, how that price is determined — for example, in relation to spot and the type of product — whether any fees apply to a buyback transaction, and how long settlement typically takes once metals are verified at the depository. It should also state, plainly, that a buyback program is a dealer service and not a guarantee of a particular price or profit, that market prices rise and fall, and that you are also free to ask your custodian about liquidating through other channels where permitted. Required minimum distributions, once they apply to your account type and age, should be mentioned as a reason you may need to liquidate or take an in-kind distribution, with a note to plan that with your custodian and tax advisor.
Vague language is the warning sign here. "Satisfaction guaranteed," "we will always buy back at a great price," or "your investment is liquid at any time" are not terms. Terms have a pricing method, a process, and a timeline. If a firm is willing to sell you metals, it should be willing to describe, before you buy, the process by which you would sell them back.
What to look for: pricing method, process steps, any fees, estimated settlement timing, and an explicit statement that no future price is guaranteed. Keep this page. It is the page you will want years later, whatever firm you choose.
7. The Sign-First Agreement Policy
The final test is about order of operations. In a sound process, education comes first, itemized pricing second, and signatures last. A real kit states that policy directly: you should receive the fee schedule, the itemized quote with premium math, the custodian's account documents, and the buyback terms before you are asked to sign a purchase agreement or authorize a transaction. It also explains what any agreement you do sign actually covers — the specific products, quantities, prices, and shipping to the depository — and what it does not cover.
Some firms use a master purchase agreement that sets general terms for future transactions. If a kit mentions such an agreement, it should explain what it is, when you would see it, and that specific order confirmations with final pricing should still be provided for each purchase. You should never be asked to sign a blank or open-ended authorization, to sign before receiving an itemized quote, or to treat a verbal price as final without a written confirmation you can keep.
This policy also covers how you say no. A real kit makes clear that requesting the kit, downloading a guide, or having a review conversation does not obligate you to open an account or buy metals, and it tells you how to opt out of follow-up calls and emails. That clarity is not a courtesy. It is evidence that the firm's process is built around your decision, not around a sales quota.
What to look for: a written statement of what documents you will receive, in what order, before any signature is requested — and an explicit no-obligation statement. If the kit's only clear instruction is to sign and return a form quickly, the order is wrong.
Midway check: If the kit you are holding is missing two or more of the seven items above, pause. Request a Free Retirement Protection Review to go through the gaps line by line, download the comparison material at /wealth-protection-guide, or call (800) 200-9553 and ask for the missing items in writing before any further conversation.
Red Flags: What a Kit Should Never Ask For or Do
Knowing what to look for is half the work. Knowing what should stop you is the other half. The following are not matters of style or preference. Each one is a reason to slow down, ask for written clarification, and — if the clarification does not come — to walk away from that kit and that conversation.
A kit with no numbers at all. If, after reading the entire kit, you cannot answer three questions — what premium example was given, what the annual custodian and storage fees are, and how a buyback price is determined — the kit has not educated you. Beautiful design is not a substitute for figures. Ask for the numbers in writing. A firm that sells a priced product can provide a priced example.
A "free silver" headline with no math. Promotions offering free silver or bonus metals on qualifying purchases appear across this industry. A promotion is not automatically a problem, but the headline is never the whole offer. A trustworthy presentation states the qualifying purchase amount, what exactly is provided, in what form and quantity, how its value is calculated, when and where it is delivered — inside the IRA or outside it — and whether accepting it affects pricing on the rest of the order. If a kit leads with free silver and provides none of that math, treat the headline as advertising, not information, and compare the total cost of the full order, including premiums, against an order without a promotion. Sometimes the clearest comparison is simply total ounces received for total dollars paid, itemized product by product.
A kit that asks for a Social Security number or bank details up front. Receiving educational material requires a name and a way to send it — an email address or a mailing address. It does not require a Social Security number, bank account or routing numbers, brokerage credentials, or a photo of identification. Those items have a legitimate place later, if and only if you choose to open a custodian account, and at that stage they should be provided to the custodian through its secure application process, not typed into a kit-request form or given to a salesperson on a first call to "get started." If a kit request asks for sensitive financial identifiers, close the form. You can obtain education from sources that do not ask for them, including this site.
Pressure callback scripts. The kit itself is printed, but the follow-up reveals the firm's culture. Warning signs include repeated calls after you have asked for information in writing instead, claims that a price or promotion is available only if you decide on that call, suggestions that you move an entire retirement account without discussing diversification, time horizon, or your other holdings, and reluctance to send an itemized quote by email so you can review it quietly. A sound follow-up sounds different: it asks what questions the kit raised, offers to send any missing schedule or terms in writing, and accepts "I need time to review this with my spouse or advisor" as a complete answer. If you feel rushed, that feeling is data. Note it on your worksheet. Two additional cautions deserve mention. First, be careful with any kit or call that presents metals as appropriate for all of a retirement portfolio, or that uses fear about banks, markets, or currency as the sole reason to act. Metals are one asset class with their own volatility and costs; allocation is a personal decision that belongs in the context of your full financial picture. Second, be careful with predictions. No kit can know future prices, and any specific forecast presented as certainty — in either direction — should lower your confidence in everything else in the packet.
If any of these red flags appear and you would like an outside read on what you received, Capstone offers a Free Second Opinion for exactly that situation. Bring the kit, the quote, or the agreement you were sent. The conversation is about the documents, not about switching firms, and there is no cost for it.
How to Use a Kit in 20 Minutes: A Side-by-Side Worksheet
You do not need an afternoon or a finance background to evaluate a kit. You need 20 minutes, a pen, and the same questions applied to every kit in the same order. Use the walkthrough below with one kit, or place two kits side by side and complete a column for each. The comparison, not any single answer, is where the insight appears.
Minutes 1–3: Find the premium example. Search the kit for the words "spot" and "premium." Write down the product used in any example, the spot price and its date, the premium in dollars and percent, and the total price. If there is no example, write "none provided" — do not estimate one on the firm's behalf. Then check the example against the 60-Second Quote Check method: total minus spot, divided by spot, equals premium percent. If the kit's math does not recreate, note that too.
Minutes 4–6: Complete the fee row. Find the fee schedule. Record setup fee, annual administration fee, annual storage fee and storage type, and any transaction fees. Multiply the annual figures by five to see a simple five-year holding cost for comparison purposes, excluding the metals themselves. If a figure is missing, record where the kit says it will be confirmed. "To be confirmed on custodian schedule before account opening" is an answer you can verify. Silence is not.
Minutes 7–9: Name the parties. Write the custodian's name and the depository's name exactly as printed. Under each, write its role in your own words. If you cannot, the kit has not explained it clearly enough. Check that the kit states you will not take personal possession of metals held in the IRA.
Minutes 10–12: Check eligibility. Find the §408(m) discussion. Record the fineness standards and two examples of eligible products and one example of an ineligible product as stated in the kit. If a salesperson previously mentioned a specific coin to you, check it against this list and write down whether it appears as eligible, and at what premium category.
Minutes 13–15: Trace the money. Follow the numbered steps for a transfer or rollover. Circle whether your situation would be a transfer, a direct rollover, or a 60-day rollover, and write the stated timeline beside it. Star the 60-day warning if your path involves it. If there is no numbered sequence, write the steps as you understand them from the kit and mark any step where you are unsure who acts — that uncertainty is a question for your first call.
Minutes 16–18: Read the exit first. Turn to the buyback terms before you re-read any benefits pages. Record the pricing method, any fees, and the estimated settlement time. Write, in the margin, the sentence that states no future price is guaranteed. If you cannot find that sentence, note its absence.
Minutes 19–20: Score and decide the next step. Give the kit one point for each of the seven items from the previous section that it fully provides, for a maximum of seven. A score of six or seven means the kit has earned a careful conversation, if you want one. A score of four or five means a conversation should start with written answers to the missing items — and only that. A score of three or below means set that kit aside and work from a more complete source. Your next step is never "buy." Your next step is one of three things: request the missing items in writing, book a review to go through the worksheet with a person, or decide metals are not for you at this time. All three are good outcomes of 20 minutes well spent.
When comparing two kits, lay the two scores side by side and compare the rows, not the covers. The kit with the lower premium example is not automatically the better choice if its storage is higher, its buyback method is vague, or its eligible list pushes high-premium products. Total cost, clarity, and exit terms together matter more than any single headline figure.
What Capstone's Guides Contain — and Where They Are Honest About Limits
It would not be fair to publish a test we do not apply to ourselves. Capstone's educational guides — including the Wealth Protection Guide and the Retirement Protection Guide available at /wealth-protection-guide — were written to be judged by the seven items above.
They contain a plain-language explanation of spot and premium with worked examples, the custodian and depository roles explained separately, the §408(m) eligibility standard with fineness requirements, a numbered transfer and rollover sequence with estimated timelines and the 60-day warning, and guidance on how buyback and exit work, including the statement that no future price is guaranteed. They explain fees by category and direct you to the custodian's current schedule for confirmation before an account is opened, because custodian and depository fees are set by those institutions and can change; your current schedule is confirmed in writing as part of opening an account, before a metals purchase is authorized.
They are also honest about the central limit of any printed guide: a guide cannot give you a live price. Premiums move with markets and product availability, so a figure printed last month cannot be your price today. That is why, at Capstone, live premiums are confirmed in writing on every quote and dated on the Premium Board. When you request a quote, you receive the product, the spot price at the time of the quote, the premium in dollars and percent, and the total — the same math this article taught you to check — dated, in writing, before you decide. If any figure in a guide and a figure on a live quote differ, the dated live quote governs, and you should ask why they differ and expect a clear answer.
Our guides do not ask for a Social Security number or bank details to download or receive them. They do not present a promotion headline without terms. They do not predict prices. Where a question depends on your personal tax situation, account type, or overall allocation, they say so and point you to your own advisor rather than substituting a general education piece for personal advice. If you find a place where one of our guides falls short of the seven-item test, tell us. Call (800) 200-9553 and name the page and the missing item. Correcting it makes the guide better for the next reader, and it is exactly the kind of check this article exists to encourage.
How the Kit Connects to a Retirement Protection Review
A kit answers general questions. A Retirement Protection Review applies the same framework to your specific situation — without turning into a sales presentation.
In a review, we start with your worksheet if you have completed one, or we build it together. We look at what type of account you hold now and whether a transfer, a direct rollover, or no move at all fits that account type. We look at the fee schedule for the custodian in the context of your account size, because flat fees weigh differently on different balances, and we walk through the premium math on current, dated figures rather than guide examples. We discuss eligible products in terms of metal content and premium category, how storage works at the depository, and how an exit or a future distribution would be handled if your circumstances change. We also discuss, directly, whether a Gold IRA fits your time horizon, your need for income or liquidity, and the rest of your retirement picture — including the possibility that it does not, or that a smaller allocation than you first considered is the more prudent fit.
The review is free, it can be done by phone, and it ends with a written summary of what was discussed so you can review it with your spouse, family, or advisor in your own time. There is no requirement to open an account at the end of it, and a decision not to proceed is a respected outcome. Many people use the review simply to validate a kit or a quote they received elsewhere; that is also what the Free Second Opinion is for, and you are welcome to use either path.
If you are ready for that conversation, request a Free Retirement Protection Review through /wealth-protection-guide or call (800) 200-9553. Bring your kit — ours or anyone else's — and your questions. We will work from the documents.
Frequently Asked Questions
Is a free Gold IRA kit really free? Yes, in the sense that you should not pay or provide sensitive financial identifiers to receive educational material. The firm's cost of producing the kit is a marketing cost. What you should watch is not a charge for the kit itself, but whether the kit withholds the fee schedule and pricing method until after you commit to a call or a purchase. A kit can be free and still be incomplete; judge it by the seven items in this guide.
What should a Gold IRA kit never ask for? It should never ask for a Social Security number, bank account or routing numbers, brokerage or retirement account credentials, or a signed purchase agreement as a condition of receiving the kit. Those items belong, if you choose to proceed, in a custodian's secure account application at a later stage — not in a kit request form or a first educational call.
How can I check a premium quoted to me? Take the total quoted price for a one-ounce product, subtract the spot price at the time of the quote, and divide the result by the spot price. That gives you the premium as a percent. For illustration, spot gold was $3,946.74 per troy ounce at the November 2, 2026, 5:00 PM ET close. A sound quote gives you spot, premium in dollars and percent, and total, dated and in writing, so you can recreate this math yourself. Our 60-Second Quote Check walks through it step by step.
What fees should I expect besides the price of the metals? Expect a custodian setup fee, an annual administration fee, a depository storage fee, and possible transaction or wire fees, each set by the institution that charges it. A complete kit lists each fee in dollars, states how often it is charged, and identifies where the current custodian schedule will be confirmed in writing before you open an account. See the Gold IRA Fees Complete Guide for a full breakdown.
What metals are eligible in a Gold IRA? Under Internal Revenue Code §408(m), metals must meet minimum fineness standards — generally 0.995 for gold, 0.999 for silver, and 0.9995 for platinum and palladium, with a specific exception for American Eagle coins — and be produced by a government mint or accredited refiner. Collectible coins are generally not eligible. A real kit lists the standard and gives eligible and ineligible examples so you can check any product you are offered.
What is the difference between a transfer and a 60-day rollover? A transfer moves funds directly from one IRA custodian to another without you taking possession, and is the common path for IRA-to-IRA moves. A 60-day rollover pays funds to you, and you must redeposit the full amount within 60 days for it to avoid being treated as a taxable distribution, subject to additional rules including a one-per-12-month limit for indirect IRA rollovers. A sound kit explains both, labels timelines as estimates, and directs you to your tax advisor for your specific situation.
If I already received a kit or a quote from another firm, can Capstone review it? Yes. That is the purpose of our Free Second Opinion. Bring the kit, quote, or agreement, and we will go through premiums, fees, eligibility, and exit terms against the same seven-item test used in this article. There is no cost and no obligation, and the conversation stays focused on your documents.
Does requesting a kit or a review obligate me to buy metals? No. Requesting educational material, downloading the Wealth Protection Guide, or completing a Free Retirement Protection Review does not obligate you to open an account or purchase anything. A sound process puts education first, itemized pricing second, and any signature last — after you have had time to review written materials with people you trust.
Closing: Judge Every Kit by Its Numbers
A free kit is an invitation to learn, and learning should leave you with more than a feeling. It should leave you with a dated premium example you can recreate, a fee table you can total, two names you can verify, a metals standard you can check, a timeline you can follow, exit terms you can keep, and a clear promise that no signature comes before those documents.
Use the 20-minute worksheet on every kit you receive. Score it honestly. Keep the kits that pass and set aside the ones that ask for trust, sensitive information, or a quick decision in place of evidence. Whether you ultimately work with Capstone Metals, work with another firm that passes the same test, or decide that a Gold IRA is not the right fit for your retirement at all, you will have made that decision the right way — from numbers in writing, in your own time.
When you are ready, download the guide at /wealth-protection-guide, request your Free Retirement Protection Review, or call (800) 200-9553 and tell us which kit you are holding. We will go through it with you, page by page.
God bless you.