SECURE YOURRETIREMENT WITH METALS.
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Planning for retirement with a Precious Metals IRA has never been easier.
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Today's financial markets are a frightening prospect for investors looking to protect their long-term interests. Stocks simply do not offer the kind of stability or growth potential that is found with a precious metals investment.
Most financial advisors will tell you that the best long-term investment strategies require investing at least 15% of your portfolio in physical bullion. And with a Precious Metals IRA from Sterling Trust, gold, silver, platinum or palladium can be purchased and held in an individual retirement account. It makes strong, conservative fiscal sense to diversify holdings, especially long-term vehicles such as IRAs, with hard assets such as precious metals.
Sterling Trust is a national leader among IRA custodians that hold precious metals in IRA accounts. In fact, as an industry leader, Sterling Trust and its affiliates provide services to over 110,000 individuals and businesses nationwide whose assets exceed $8 billion.
PERMISSIBLE PRECIOUS METALS IN A STERLING TRUST PRECIOUS METALS IRA
Through a lease arrangement with FideliTrade, Inc. Delaware Depository Service Company (DDSC), Sterling Trust is able to maintain physical possession of bullion coins and bars in a secure vault. Thus, through this relationship, Sterling Trust is able to accept and maintain custody of the following bullion products:
Gold .995+
Silver .999+
Platinum .9995+
Palladium .9995+
PHYSICAL STORAGE OF PRECIOUS METALS
Through a lease arrangement, Sterling Trust is able to utilize the precious metals storage facilities and services of FideliTrade, Inc., and its depository affiliate, Delaware Depository Service Company, for its clients while maintaining physical possession of the precious metals. These facilities provide a secure depository and easy access for the physical delivery of precious metals. Each accountholder's coins are securely stored in an insured, physically segregated account.
HOW TO ESTABLISH AND FUND A NEW PRECIOUS METALS IRA
Putting your money into a precious metals IRA such as a gold IRA doesn’t have to be as daunting as it sounds. Depending upon your specific circumstances, you may:
1. Transfer An Existing IRA
This is something you can do at any time with your existing IRA, as long as the assets go from "custodian to custodian." That is, in a direct transfer, the asset is transferred directly from one IRA custodian to another. After completing the direct transfer, you simply begin receiving statements from your new IRA custodian. The distribution check from the old IRA must be made out in the name of the trustee or custodian of the IRA account that receives the rolled-over funds. Transfers may be made as often as you want. You can be assured that your Imperial Metals account executive can explain the entire transfer process simply and easily.
2. Rollover An Existing IRA
A rollover occurs when you get the money from an existing IRA and then deposit it into another IRA. In this case, you would need to deposit the funds into a new IRA within 60 days. If the 60-day time period is exceeded, you would be liable for taxes and penalties. You may roll over the same money once every 12 months, and it will preserve the tax-deferred status of your retirement savings.
3. Establish A New IRA
At Imperial Metals, we have made it easier than ever to open a precious metals IRA through our established working relations with Sterling IRA. This company offers the high-quality, reliable service we value for our customers and clients.
PAYMENT OF IRA FEES AND PRECIOUS METALS STORAGE FEE
A check or money order for $175 should be included for payment of the: (1) $15 IRA Set-Up Fee, (2) $60 First Year Annual IRA Fee, and (3) $100 annual precious metals safekeeping fee due before any precious metals will be accepted for storage, which fee will be billed to the IRA accountholder each year in January. All fees may be paid in one check or money order.
HOW TO PURCHASE PRECIOUS METALS IN YOUR IRA
Once the IRA account is established, the IRA and precious metal storage fees are paid, and Sterling Trust receives the transfer, rollover or contribution of funds into the IRA, an accountholder should follow these 3 easy steps to purchase permissible precious metals:
Step 1: Place your order to purchase permissible precious metals with your Imperial Metals account executive.
Step 2: Imperial Metals will provide you with an itemized invoice that shows the type and quantity of precious metals purchased and the respective purchase price. The invoice must be signed by the accountholder or the accountholder's designated representative and payment information must be submitted to Sterling Trust. This provides the necessary authorization Sterling Trust requires to pay the amount indicated on the invoice.
When purchasing precious metals in your IRA, your Imperial Metals account executive will be with you every step of the way to ensure that the process is completed quickly and efficiently. contact your account executive to learn more.
PAYMENT AND CONFIRMATION OF YOUR PRECIOUS METALS PURCHASE
Sterling Trust will issue payment to the precious metals broker/dealer following the instructions provided by the accountholder or designated representative. Once payment is sent to the coin broker/dealer, Sterling Trust will include the shipping/delivery instructions for shipping the coins to its depository within the FideliTrade(DDSC depository.
If Sterling Trust does not receive confirmation of delivery from its depository, it will follow up with the depository and/or the coin broker/dealer until the delivery is confirmed. Once Sterling Trust receives this confirmation, the precious metals will be posted and reflected in the Precious Metals IRA account.
FREQUENTLY ASKED QUESTIONS
Q. Can a person have more than one IRA?
A. There is no problem with having more than one IRA. However, the maximum deferred annual contribution, which is currently $4,000 for an individual, is not applied to each IRA; it is the maximum total for the year.
Q. Can I transfer money from an existing IRA account to fund my precious metals IRA, without incurring any tax penalties?
A. If you have an existing IRA or 401K, the easiest way to set up a new precious metal IRA is by Direct Roll-Over. You transfer the amount you want to spend into a new IRA and there are no tax penalties. Your account executive knows how to do this and they will facilitate the process.
Q. What types of IRA's are eligible to rollover?
A. All IRA's can have a direct rollover. You can speak with your account executive for details or any limitations.
Q. Can I open a new IRA with cash?
A. You can open a new IRA with cash. The tax benefits will only be on the first $4,000. The advantage of funding the account with more than $4,000 is that any gains are deferred until you actually make a withdrawal. The negative is that there are penalties for withdrawals before age 59 ½. We suggest you discuss this issue with your account exective.
Q. Does Imperial Metals LLC have a minimum dollar amount for an IRA purchase?
A. Yes the minimum amount for an IRA purchase from Imperial Metals LLC is $10,000. It is simply not financially beneficial for the customer on a dollar amount less than $10,000 once annual custodial fees are factored in.
Q. Does Sterling IRA choose the precious metals dealer?
No, Sterling IRA does not sell or promote any products or vendors. Imperial Metals will act as the precious metals dealer.
Q. Can IRA's that are already established be transferred to Sterling IRA?
Absolutely! Any past employer or individual retirement plan can be transferred or rolled over to a Sterling IRA.
Still have questions? Contact us and speak to your account executive today!
