Protect Your Retirement
Ready to Roll Over
Your IRA?
Discover how thousands of Americans are diversifying their retirement portfolios by rolling over their IRAs into physical gold and silver — safely, tax-free, and penalty-free.
Understanding Rollovers
What Is a Gold IRA Rollover?
A Gold IRA rollover allows you to transfer funds from an existing retirement account — such as a 401(k), Traditional IRA, Roth IRA, or other qualified plan — into a self-directed IRA that holds physical precious metals.
This process, when done correctly through a direct transfer, is completely tax-free and penalty-free. You maintain the tax advantages of your retirement account while gaining the security and diversification benefits of owning physical gold and silver.
At Citadel Gold, we handle the entire process for you, coordinating with your current account custodian and our IRS-approved partners to ensure a smooth, compliant transfer.
Eligible Accounts
What Can Be Rolled Over?
Most retirement accounts qualify for a tax-free rollover into precious metals
Traditional IRA
Roll over your existing Traditional IRA into a Gold IRA while maintaining tax-deferred growth.
Roth IRA
Convert your Roth IRA to include precious metals with potential tax-free withdrawals in retirement.
401(k)
Transfer funds from a previous employer's 401(k) into a self-directed Gold IRA.
SEP IRA
Self-employed? Roll over your SEP IRA into precious metals for portfolio diversification.
SIMPLE IRA
Small business retirement plans can be rolled over into Gold IRAs after two years.
403(b) / TSP
Government and non-profit retirement accounts are eligible for precious metals rollovers.
Simple Process
How the Rollover Process Works
Our team handles the paperwork and coordination — you just make the decisions
Free Consultation
Speak with a Citadel Gold specialist about your retirement goals and current accounts.
Account Setup
We help you open a self-directed IRA with an IRS-approved custodian — typically completed in 1-2 days.
Fund Transfer
Your funds transfer directly from your existing account — tax-free and penalty-free when done correctly.
Metal Selection
Choose from IRS-approved gold, silver, platinum, or palladium coins and bars.
Secure Storage
Your metals are stored in an IRS-approved depository, fully insured and segregated.
Why Roll Over?
Benefits of a Gold IRA Rollover
Tax-Free Transfer
When done correctly through a direct rollover, you pay no taxes or penalties on the transfer.
Portfolio Diversification
Add tangible assets to your retirement portfolio that don't correlate with stocks and bonds.
Inflation Protection
Gold has historically preserved purchasing power during periods of high inflation.
Physical Ownership
Own real, tangible gold and silver — not paper promises or ETF shares.
Your First Step
Get Your Free Rollover Guide
Learn everything you need to know about rolling over your retirement account into precious metals. This guide covers the process, tax implications, eligible accounts, and how to choose the right metals for your goals.
Common Questions
Rollover FAQ
A Gold IRA rollover is the process of transferring funds from an existing retirement account (like a 401(k), Traditional IRA, or Roth IRA) into a self-directed IRA that holds physical precious metals. When done correctly, this transfer is tax-free and penalty-free.
They're similar but have technical differences. A direct transfer moves funds directly between custodians without you touching the money. A rollover may involve you receiving the funds first, then depositing them within 60 days. Direct transfers are generally simpler and have no tax implications.
If done correctly through a direct transfer, there are no taxes or penalties. Our team ensures your rollover is handled properly to avoid any tax implications. However, improper rollovers could trigger taxes and a 10% early withdrawal penalty if you're under 59½.
Yes, partial rollovers are common and often recommended. You can choose to roll over a portion of your existing retirement account into precious metals while keeping the rest in traditional investments. This provides diversification without going all-in on any single asset class.
Most retirement accounts qualify, including: Traditional IRA, Roth IRA, 401(k), 403(b), SEP IRA, SIMPLE IRA, TSP (Thrift Savings Plan), and some pension plans. Each has specific rules, which our specialists can explain.
Ready to Start Your Rollover?
Our team makes the rollover process simple and stress-free. Get your free guide or speak directly with a retirement specialist today.
