{
  "datasetName": "SafeIRARollover Gold IRA Fee Transparency Database",
  "version": "2.0-beta",
  "lastModified": "2026-08-26",
  "buildDate": "2026-07-22",
  "verifiedBy": "Henny Willis",
  "verificationScope": "Public provider webpages reviewed by SafeIRARollover. Dealer spreads have not yet been independently quote-tested.",
  "scoreMaximums": {
    "feeSchedule": 30,
    "minimum": 10,
    "waiver": 10,
    "dealerPricing": 25,
    "buyback": 15,
    "freshness": 10
  },
  "providers": [
    {
      "id": "lear-capital",
      "name": "Lear Capital",
      "minimum": "$10,000",
      "setup": "$50",
      "wire": "$30",
      "annualAdmin": "$125",
      "storage": "$110 non-segregated or $160 segregated",
      "annualKnown": "$235–$285 recurring Year 2+; $315–$365 first year",
      "firstYearTotal": "$315 non-segregated or $365 segregated",
      "recurringAnnualTotal": "$235 non-segregated or $285 segregated",
      "feeStatus": "conflicting",
      "scoreLabel": "Strong account-fee disclosure; conflicting official pages",
      "pricing": "Lear Terms state spreads generally range from 2% to 35% of quoted purchase price, varying by metal, customer, transaction type, and time; exact spread is confirmed during the transaction. Product-level spreads have not been independently quote-tested.",
      "buyback": "Lear does not guarantee repurchase. If Lear offers a buyback, pricing is based on the highest list bid price offered by its wholesaler.",
      "waiver": "Purchases of $25,000+ may qualify for one to three years of fee reimbursement depending on purchase level; verify current tier terms.",
      "freshness": "Current but conflicting",
      "note": "The newer dedicated fee pages show $315–$365 first year and $235–$285 recurring Year 2+. Another currently live official Lear Gold IRA guide still shows $225–$275 recurring and says first-year fees may reach up to $415. SafeIRARollover preserves this official conflict rather than silently choosing between statements. Product-level dealer spreads still vary and have not been independently quote-tested.",
      "scoreComponents": {
        "feeSchedule": 30,
        "minimum": 10,
        "waiver": 10,
        "dealerPricing": 10,
        "buyback": 7,
        "freshness": 4
      },
      "sources": [
        {
          "label": "Official Gold IRA fee structure",
          "url": "https://www.learcapital.com/knowledgebase/gold-ira/gold-ira-fee-structure/"
        },
        {
          "label": "Official 2026 Gold IRA fees and reimbursement terms",
          "url": "https://www.learcapital.com/knowledgebase/gold-ira/gold-ira-fees-explained/"
        },
        {
          "label": "Official terms and conditions for spreads and buyback",
          "url": "https://www.learcapital.com/about-lear-capital/terms-and-conditions/"
        },
        {
          "label": "Conflicting official Gold IRA guide",
          "url": "https://www.learcapital.com/knowledgebase/gold-ira/"
        }
      ],
      "score": 71,
      "lastVerified": "2026-08-26",
      "verifiedBy": "Henny Willis",
      "affiliateUrl": "https://www.ljjkem8trk.com/HRDF17/7XDN2/?uid=10",
      "affiliateCta": "Request Lear Capital Information",
      "relationship": "Paid partner",
      "relationshipDetail": "We may earn compensation if you use this link, at no additional cost to you.",
      "providerLink": "/lear-capital-review/",
      "providerLinkType": "internal",
      "providerLinkLabel": "Read our review and fee profile"
    },
    {
      "id": "augusta-precious-metals",
      "name": "Augusta Precious Metals",
      "minimum": "$50,000",
      "setup": "Varies by custodian",
      "wire": null,
      "annualAdmin": "Typical industry range: $75–$150",
      "storage": "Typical industry range: $100–$150",
      "annualKnown": "No exact provider-specific total published on source reviewed",
      "feeStatus": "partial",
      "scoreLabel": "Partial disclosure",
      "pricing": "Pricing method discussed; exact spread not published",
      "buyback": "Buyback assistance is described; no public pricing formula was found on the source reviewed.",
      "waiver": null,
      "freshness": "Current and internally consistent",
      "note": "The published ranges are educational industry ranges, not a complete provider-specific fee schedule.",
      "scoreComponents": {
        "feeSchedule": 8,
        "minimum": 10,
        "waiver": 0,
        "dealerPricing": 10,
        "buyback": 7,
        "freshness": 10
      },
      "sources": [
        {
          "label": "Official Gold IRA education page",
          "url": "https://www.augustapreciousmetals.com/gold-ira/"
        }
      ],
      "score": 45,
      "lastVerified": "2026-07-17",
      "verifiedBy": "Henny Willis",
      "affiliateUrl": "https://learn.augustapreciousmetals.com/gold-ira-2?apmtrkr_cid=1696&aff_id=4992",
      "affiliateCta": "Get Augusta’s Free Gold IRA Guide",
      "relationship": "Paid partner",
      "relationshipDetail": "We may earn compensation if you use this link, at no additional cost to you.",
      "providerLink": "/augusta-precious-metals-review/",
      "providerLinkType": "internal",
      "providerLinkLabel": "Read our review and fee profile"
    },
    {
      "id": "goldco",
      "name": "Goldco",
      "minimum": "Generally $25,000",
      "setup": "Implied by published first-year total",
      "wire": null,
      "annualAdmin": "Included in published annual total",
      "storage": "$100 non-segregated or $150 segregated",
      "annualKnown": "About $225 annually; about $275–$325 first year",
      "feeStatus": "full",
      "scoreLabel": "Strong account-fee disclosure",
      "pricing": "Dealer spread percentage not publicly quantified on source reviewed",
      "buyback": "Not evaluated in this Phase 1 source review.",
      "waiver": null,
      "freshness": "Official page states it was updated February 2025",
      "note": "The source publishes storage choices, an estimated recurring total, a first-year total, and a general minimum.",
      "scoreComponents": {
        "feeSchedule": 30,
        "minimum": 10,
        "waiver": 0,
        "dealerPricing": 0,
        "buyback": 0,
        "freshness": 8
      },
      "sources": [
        {
          "label": "Official Gold IRA cost page",
          "url": "https://goldco.com/how-much-does-a-gold-ira-cost/"
        }
      ],
      "score": 48,
      "lastVerified": "2026-07-17",
      "verifiedBy": "Henny Willis",
      "affiliateUrl": null,
      "affiliateCta": null,
      "relationship": "No paid relationship",
      "relationshipDetail": "No paid affiliate relationship is recorded for this provider.",
      "providerLink": "https://goldco.com/how-much-does-a-gold-ira-cost/",
      "providerLinkType": "official",
      "providerLinkLabel": "Official provider source"
    },
    {
      "id": "american-hartford-gold",
      "name": "American Hartford Gold",
      "minimum": "$10,000",
      "setup": "Not published on source reviewed",
      "wire": null,
      "annualAdmin": "Not published on source reviewed",
      "storage": "Varies by account size and holdings; may be free in some situations",
      "annualKnown": "Not published",
      "feeStatus": "partial",
      "scoreLabel": "Partial disclosure",
      "pricing": "Dealer spread percentage not publicly quantified on source reviewed",
      "buyback": "Not evaluated in this Phase 1 source review.",
      "waiver": "Possible free storage, but eligibility terms are not published on source reviewed.",
      "freshness": "Current and internally consistent",
      "note": "The minimum is public, but exact administration and storage figures require written confirmation.",
      "scoreComponents": {
        "feeSchedule": 8,
        "minimum": 10,
        "waiver": 5,
        "dealerPricing": 0,
        "buyback": 0,
        "freshness": 10
      },
      "sources": [
        {
          "label": "Official Gold IRA FAQ",
          "url": "https://www.americanhartfordgold.com/faqs-about-gold-iras/"
        }
      ],
      "score": 33,
      "lastVerified": "2026-07-17",
      "verifiedBy": "Henny Willis",
      "affiliateUrl": null,
      "affiliateCta": null,
      "relationship": "No paid relationship",
      "relationshipDetail": "No paid affiliate relationship is recorded for this provider.",
      "providerLink": "https://www.americanhartfordgold.com/faqs-about-gold-iras/",
      "providerLinkType": "official",
      "providerLinkLabel": "Official provider source"
    },
    {
      "id": "birch-gold-group",
      "name": "Birch Gold Group",
      "minimum": "Recommended $5,000",
      "setup": "$50",
      "wire": "$30",
      "annualAdmin": "$125",
      "storage": "$100 on one official page; $110 on another",
      "annualKnown": "$225–$235 based on conflicting pages",
      "feeStatus": "conflicting",
      "scoreLabel": "Official pages conflict",
      "pricing": "Dealer spread percentage not publicly quantified on sources reviewed",
      "buyback": "Not evaluated in this Phase 1 source review.",
      "waiver": "First-year fees paid on new accounts over $50,000.",
      "freshness": "Current but conflicting",
      "note": "SafeIRARollover does not choose between $100 and $110 until Birch confirms which page is authoritative.",
      "scoreComponents": {
        "feeSchedule": 20,
        "minimum": 10,
        "waiver": 10,
        "dealerPricing": 0,
        "buyback": 0,
        "freshness": 4
      },
      "sources": [
        {
          "label": "Official Precious Metals IRA page ($110)",
          "url": "https://www.birchgold.com/precious-metals-ira/"
        },
        {
          "label": "Official Gold IRA page ($100)",
          "url": "https://www.birchgold.com/precious-metals-ira/gold-ira/"
        }
      ],
      "score": 44,
      "lastVerified": "2026-07-17",
      "verifiedBy": "Henny Willis",
      "affiliateUrl": null,
      "affiliateCta": null,
      "relationship": "No paid relationship",
      "relationshipDetail": "No paid affiliate relationship is recorded for this provider.",
      "providerLink": "https://www.birchgold.com/precious-metals-ira/",
      "providerLinkType": "official",
      "providerLinkLabel": "Official provider source"
    },
    {
      "id": "noble-gold-investments",
      "name": "Noble Gold Investments",
      "minimum": "$20,000",
      "setup": "$50 on product page; $80 on support page",
      "wire": "$30 on product page",
      "annualAdmin": "$125",
      "storage": "$160 on product page; $150 on support page",
      "annualKnown": "$285 on product page; $275 on support page",
      "feeStatus": "conflicting",
      "scoreLabel": "Official pages conflict",
      "pricing": "Dealer spread percentage not publicly quantified on sources reviewed",
      "buyback": "A buyback program is described; no public pricing formula was found.",
      "waiver": null,
      "freshness": "Current but conflicting",
      "note": "Two official Noble pages show different setup and storage amounts; confirmation is required.",
      "scoreComponents": {
        "feeSchedule": 20,
        "minimum": 10,
        "waiver": 0,
        "dealerPricing": 0,
        "buyback": 7,
        "freshness": 4
      },
      "sources": [
        {
          "label": "Official Gold IRA product page",
          "url": "https://noblegoldinvestments.com/invest/gold-ira/"
        },
        {
          "label": "Official support page",
          "url": "https://noblegoldinvestments.com/support/"
        }
      ],
      "score": 41,
      "lastVerified": "2026-07-17",
      "verifiedBy": "Henny Willis",
      "affiliateUrl": null,
      "affiliateCta": null,
      "relationship": "No paid relationship",
      "relationshipDetail": "No paid affiliate relationship is recorded for this provider.",
      "providerLink": "https://noblegoldinvestments.com/invest/gold-ira/",
      "providerLinkType": "official",
      "providerLinkLabel": "Official provider source"
    },
    {
      "id": "preserve-gold",
      "name": "Preserve Gold",
      "minimum": null,
      "setup": "Not itemized on sources reviewed",
      "wire": null,
      "annualAdmin": "Not itemized on sources reviewed",
      "storage": "Not itemized on sources reviewed",
      "annualKnown": "Not published",
      "feeStatus": "partial",
      "scoreLabel": "Promotional terms, limited itemization",
      "pricing": "Price-match claim published; exact spread not published",
      "buyback": "Zero-fee buyback commitment is advertised; no public pricing formula was found.",
      "waiver": "Storage and custodian fees may be waived for up to five years depending on investment size; thresholds are not published.",
      "freshness": "Current and internally consistent",
      "note": "Promotional fee claims are public, but the underlying custodian and depository schedule still needs itemization.",
      "scoreComponents": {
        "feeSchedule": 5,
        "minimum": 0,
        "waiver": 5,
        "dealerPricing": 3,
        "buyback": 7,
        "freshness": 10
      },
      "sources": [
        {
          "label": "Official Precious Metals IRA page",
          "url": "https://preservegold.com/precious-metals-ira/"
        },
        {
          "label": "Official home page",
          "url": "https://preservegold.com/"
        }
      ],
      "score": 30,
      "lastVerified": "2026-07-17",
      "verifiedBy": "Henny Willis",
      "affiliateUrl": null,
      "affiliateCta": null,
      "relationship": "No paid relationship",
      "relationshipDetail": "No paid affiliate relationship is recorded for this provider.",
      "providerLink": "https://preservegold.com/precious-metals-ira/",
      "providerLinkType": "official",
      "providerLinkLabel": "Official provider source"
    },
    {
      "id": "allegiance-gold",
      "name": "Allegiance Gold",
      "minimum": null,
      "setup": "Not published on source reviewed",
      "wire": null,
      "annualAdmin": "$125",
      "storage": "$100 commingled",
      "annualKnown": "$225 for the two stated annual charges",
      "feeStatus": "partial",
      "scoreLabel": "Partial disclosure",
      "pricing": "Dealer spread percentage not publicly quantified on source reviewed",
      "buyback": "Requests are evaluated case by case; an offer is not guaranteed and no public formula is stated.",
      "waiver": "Third-party fees may be covered depending on transaction amount; eligibility is not published.",
      "freshness": "Current and internally consistent",
      "note": "Annual account and storage figures are public, while minimum, dealer spread, and waiver thresholds are not.",
      "scoreComponents": {
        "feeSchedule": 20,
        "minimum": 0,
        "waiver": 5,
        "dealerPricing": 0,
        "buyback": 7,
        "freshness": 10
      },
      "sources": [
        {
          "label": "Official FAQ",
          "url": "https://allegiancegold.com/faq/"
        }
      ],
      "score": 42,
      "lastVerified": "2026-07-17",
      "verifiedBy": "Henny Willis",
      "affiliateUrl": null,
      "affiliateCta": null,
      "relationship": "No paid relationship",
      "relationshipDetail": "No paid affiliate relationship is recorded for this provider.",
      "providerLink": "https://allegiancegold.com/faq/",
      "providerLinkType": "official",
      "providerLinkLabel": "Official provider source"
    }
  ]
}