Lear CapitalA closer look.
Published IRA fee components.
Lear Capital is a precious-metals retailer offering direct purchases and self-directed precious-metals IRAs. Its IRA materials describe account-opening and rollover assistance, identify Equity Trust as custodian, and name Delaware Depository for storage. Lear's July 2026 fee article itemizes setup, wire, maintenance, and storage charges, with different totals for segregated and non-segregated storage. Its FAQ describes a lower total under the stated electronic-statement and non-segregated-storage assumptions. Clarify product-specific purchase pricing, since Lear says spreads vary, and current resale pricing, since Lear says a future buyback is not guaranteed. Lear states it does not provide financial advice.
This is a Gold IRA Guidance overview, not Lear Capital’s official website. Your inquiry goes to this website’s representative—not automatically to Lear Capital.
Get the details.
Then decide.
Interested in Lear Capital? Leave your details and a representative will be in touch.
Lear Capital, in more detail.
Lear Capital is a precious-metals retailer offering direct purchases and self-directed precious-metals IRAs. Its IRA materials describe account-opening and rollover assistance, identify Equity Trust as custodian, and name Delaware Depository for storage. Lear's July 2026 fee article itemizes setup, wire, maintenance, and storage charges, with different totals for segregated and non-segregated storage. Its FAQ describes a lower total under the stated electronic-statement and non-segregated-storage assumptions. Clarify product-specific purchase pricing, since Lear says spreads vary, and current resale pricing, since Lear says a future buyback is not guaranteed. Lear states it does not provide financial advice.
What the provider highlights
Lear describes dedicated account-team help with IRA applications and rollovers, including trustee-to-trustee transfers and 60-day rollovers.
Lear identifies Equity Trust as custodian and Delaware Depository as its IRA metals storage destination.
Lear publishes 2026 fee components and totals for non-segregated and segregated storage options.
Questions before committing
Dealer premiums are additional to scheduled IRA fees; Lear says its purchase spread generally ranges from 2% to 35% of quoted retail price and varies by product and transaction. Ask for product price and spread in writing.
Lear's terms state that buyback is not guaranteed and that future pricing requires a current quote. Confirm the applicable bid and liquidation process for specific products.
- Minimum investment
- Not specified in reviewed official pages; request a current written quote. FAQ fee-reimbursement thresholds are not identified as account minimums.
- Fees & pricing
- July 27, 2026 schedule: $50 application, $30 wire, $125 annual maintenance, and $110/$160 storage. Lear states $315/$365 year one and $235/$285 later, before premiums.
- Custody & storage
- Lear says IRA metals are shipped insured to Delaware Depository, which it identifies as IRS-approved. Its 2026 schedule lists $110/year non-segregated or $160/year segregated storage.
- Selling & buyback
- Not guaranteed, per Lear's terms. Lear says to contact it for current buyback pricing; terms describe bids based on its wholesaler's list bid and note a bid/ask difference. Request a written quote for specific products.
Before you decide, ask about…
All-in costs
Get a written breakdown of premiums, annual fees, storage, and selling costs.
Your account & storage
Confirm eligibility, custodian details, depository arrangements, and insurance.
The fine print
Dealer premiums are additional to scheduled IRA fees; Lear says its purchase spread generally ranges from 2% to 35% of quoted retail price and varies by product and transaction. Ask for product price and spread in writing.. Lear's terms state that buyback is not guaranteed and that future pricing requires a current quote. Confirm the applicable bid and liquidation process for specific products..
A smarter decision starts
with better questions.
Our free checklist puts those questions in your hands.