Lear Capital Careers

The best gold organizations we have vetted and researched

1. Goldco
Rating: 9.9

GET THEIR FREE GUIDE


4. Augusta Precious Metals

Rating: 9.8

GET THEIR FREE GUIDE


2. Birch Gold
Rating: 9.3

GET THEIR FREE GUIDE


Out of EVERY SINGLE company we’ve looked into, we have actually found the one that provides one of the most to their customers and is the most credible…

Lear Capital Careers

Goldco – Our Top Suggestion

GET THEIR FREE GUIDE


Regarding Goldco Precious Metals.
GoldcoGoldco is a leading rare-earth elements industry leader, whose specialty is making available tax-advantaged self-directed IRAs that are allowed to hold rare-earth elements by the IRS, though Non-IRA precious metals are likewise offered.

Established in 2006 by Trevor Gerszt, and also rebranding as Goldco in 2011, they’ve assisted hundreds of individuals as well as family members across the country efficiently go into the precious metals investment field.

They have rightfully made some of the highest possible gold supplier rankings in the industry, many thanks to their high criteria of putting their clients at the center of everything that they do, which can be verified on all major credible evaluation websites.

Putting Money with Goldco

Buying supplies is wonderful besides dangers, such as rising cost of living and also market volatility, because the investment is connected to the buck. Nonetheless, when you pick to purchase rare-earth elements, you can protect your financial investments since their market is not attached to the buck, so you will not be impacted also in an economic crisis.

Consequently, buying a rare-earth elements individual retirement account with Goldco ideal matches people who do not wish to take the chance of the bonds and stock exchange volatility. On top of that, people that want to invest in concrete things as opposed to a business that can go away or in a firm’s percent that will likely transform in mergings can additionally take advantage of purchasing a rare-earth elements individual retirement account.

Their rare-earth elements are IRA-approved and abide by the internal revenue service policies, so you do not need to bother with whether what you are acquiring is legitimate or fake. As mentioned earlier, when you start your distributions from your IRA, the firm will redeem the precious metals or offer them on the market, so you do not have to bother with where you will certainly discover the marketplace for your financial investment.

It is worth keeping in mind that they deal with and can refer you to a custodian, yet they are not precious metals custodians and do not supply storage space services. If you are unclear about just how to complete the whole process, they can aid you establish the solutions by suggesting some suppliers you can work with. They are country wide acknowledged and have likewise had really outstanding development considering that their establishment.

The Goldco Gold IRA guide launch specifically makes a strong instance on why financiers ought to think about surrendering a component or whole of their retirement funds and any kind of paper-backed possessions from conventional pension right into self-directed rare-earth elements Individual retirement accounts, mostly gold IRAs and also silver Individual retirement accounts.

The review highlights the procedure that financiers can follow to start their precious metals IRA with Goldco in just three actions. It additionally looks into the information including the experience of capitalists dealing with Goldco Gold IRA account experts that make it easier to rollover existing properties from 401( k), 403( b), conventional individual retirement account and various other retirement.

One of the completely satisfied customers had this to claim regarding Goldco, “I currently think that Goldco is one of the most trustworthy gold IRA business in the market today. My experience with the company verified it is the very best option and also cares for the interests of investors, senior citizens or any individual that wants to secure their financial investment portfolios with rare-earth elements IRA spending methods”.

The Goldco Review

thoroughly covers the duty of committed Gold individual retirement account professionals in aiding financiers to choose the appropriate mix of rare-earth elements for their IRAs. investors are directed on this for purposes of shielding as well as diversifying their retired life profiles, hedging versus inflation as well as financial uncertainties to accomplish wanted economic objectives.

The Development of GoldCo

As we discussed earlier, GoldCo was founded in 2006 by Trevor Gerszt and also was originally known as GoldCo Direct. In the beginning, its prime focus was direct money deals, yet as time passed, the business noted the void out there for a trusted gold IRA company.

The administration made the strong decision to change from being a gold dealer to a gold Individual retirement account firm, and also this prompted them to alter the business’s name to something that stood for the business’s operations.

They altered the name to GoldCo Heritage as well as later switched to GoldCo Priceless Metals. After a short tussle with a Japanese business passing the same name, the firm formally adopted the name GoldCo in April 2017.

And with that, the name GoldCo Rare-earth elements adheres to day.

Currently, 80% of the firm’s dealings are in IRA and 20% in non-IRAs.

Let’s currently consider what it supplies.

I) Rare-earth Element Individual Retirement Accounts.
Right here, GoldCo will help you set up a silver or gold individual retirement account or a combination of both types of accounts. In addition to that, the business will certainly liaise with your suitable custodian for you as well as help you choose the best precious metals for you.

Then, GoldCo will certainly likewise help you acquire only IRS-approved rare-earth elements and arrange for their storage in an authorized vault. This will certainly aid you adhere to all the internal revenue service guidelines and keep you on the appropriate side of the legislation.

Note that you are only qualified for a standard individual retirement account if you are below 70 1/2 years and have actually earned some income.

II) Money Sales of Rare-earth Elements.
Next, you can likewise purchase rare-earth elements through the firm, as well as in this instance, there are no age restrictions or demands for you to have gained revenue.

When you purchase the metals, it depends on you to make a decision whether you want them kept in a secure vault or have them supplied to your residence.

Both the shipment and also storage space do not sustain any price, while the sales are limited within the United States.

III) Cryptocurrency IRAs

Away from the precious metals, GoldCo has a sis company, CoinIRA, which assists you recognize the perfect electronic currencies to buy. Then, you will certainly be directed on establishing a crypto IRA for your financial investment.

Keep in mind that you can not integrate precious metals and cryptocurrencies within the very same IRA.

GoldCo Costs

We were pleased with the company’s cost design, which was created to enable you to conserve as much money as you can. Allow’s take a look at the cost breakdown for rare-earth element Individual retirement accounts as well as non-IRA deals.

The set up charge for precious metal Individual retirement accounts begins at $260 annually, while an IRA with non-aggregated storage will cost you $260 for the initial year and $180 for the years that comply with.

And also if you are interested in individual retirement account with aggregated storage space, you will part with $310 during the initial year and also $230 for the coming years.

You might also be pleased with the truth that non-IRA transactions do not draw in any type of fees.

Why Pick GoldCo?

Throughout our thorough research study on GoldCo, we compared the company with its rivals with the objective of discovering what it did in different ways from the rest. Right here is what we found out:.

– It has one of the best scores in the industry. Keep in mind that this company has been in business for near to fifteen years and has preserved high rankings throughout.
– Next up is the white handwear cover solution that they use their customers. Their consumer assistance is rather impressive and is implied to guide you via every step of your financial investment journey with them. Along with that, GoldCo has established critical business partnerships with prominent custodians and also depositories.
– The team will assess your scenario before advising the precious metals to consist of in your gold individual retirement account. In the end, you must have a profile that satisfies all your retirement objectives.
– It has specialists that specify to the different solutions that it uses.
They supply unique promos for the brand-new clients.
– Money sales come with cost-free shipment as well as storage space in the state-of-the-art centers.
– Packed with comprehensive educational resources such as blog sites, video clips, and also eBooks.
– Does not have aggressive sales reps.
– It has a low-fee design that helps you save as long as you can.
– The individual retirement account and also 401( k) rollover plans are quick as well as simple and easy.
– Has a buy-back program that implies you’ll get more for your metals than you would have from dealerships in other places.

Rolling Over Your Retirement.
If you have an old retirement from a former company, such as a 403( b) or 401( k), Goldco can aid roll it over right into an IRA.

The initial step is to open an individual retirement account with Goldco. When you have your new account open, you need to talk to an Goldco individual retirement account specialist to request that funds from your old account be moved to your brand-new account. This can be done making use of either a direct rollover or an indirect rollover.

Lear Capital Careers

With a direct rollover, funds are sent out from the custodian of the first account to the custodian of the second account. With an indirect rollover, the account is closed and also the funds are sent out to you. Under IRS guidelines, you have 60 days to transfer those funds right into your new retirement account.

If you do not satisfy the 60-day window, you’ll have to pay taxes as well as costs. Therefore, Goldco advises a straight rollover.

Who is Goldco For?

Goldco’s products are excellent for individuals who are concerned concerning the future of the united state dollar, the volatility of the securities market, or the possibility of future financial dilemmas.

If you favor to own physical investments rather than corporate safeties, Goldco is definitely a feasible choice. A supply can decrease 80%, 90%, or even completely to $0. The history of the stock exchange has such instances.

But gold isn’t mosting likely to most likely to $0. It merely doesn’t have the exact same dangers that other financial investments have.

If you do own some supplies in your profile, however want to include some diversification to decrease danger, incorporating gold right into your general investment image will help to smooth out any type of market collisions.

People that are in retirement or nearing retirement could benefit from gold’s inherent security. Because the yellow steel isn’t going to be liquidated to an additional customer for cents on the buck, it can add a degree of security to a portfolio packed with specific stocks.

Goldco Testimonial – Final Thoughts

Current stock exchange crashes in 2000, 2008, and now in 2020 are suggestions of the inherent pitfalls on the planet’s monetary markets. Expanding a financial investment profile composed of stocks as well as mutual funds with safe-haven possessions like rare-earth elements is one method to minimize threat.

Goldco has actually identified the troubles of investing in uncertain environments and has generated a remedy. Although charges for pension are a little steep, the minimum balance requirement keeps them low on a portion basis.

And also if you wish to remove fees altogether, you can open up a taxable account. You desire to safeguard your economic future, Goldco has choices for you. Possibly the most effective solution Goldco provides is satisfaction.

Augusta Precious Metals

Rating: 9.8

GET THEIR FREE GUIDE

Augusta Valuable Metals Testimonial

Augusta’s customer care is first-class, its rates are terrific, as well as this is my top pick for a gold company. It has an online reputation for being clear with customers, so you recognize precisely what their solution involves from beginning to end of purchasing precious metals! Augusta Rare-earth Elements are the only company I know of that supplies client assistance for your account lifetime.

Their procedure aids enlighten individuals regarding exactly how the economic climate works, too, considering that gold has been proven time and again as one means to safeguard cash from decline during tough times when self-confidence falters and several politicians do not appear capable of making sound decisions. The education and learning department is led by Devlyn Steele, a Harvard-certified financial analyst. Augusta is the only gold firm that gives an unique approach with one-on-one web conferences discussing the economic climate, risks to one’s retirement, and physical silver and gold.

In short, this company stands from the remainder. It has top rankings from consumer web sites we count on, including the BBB (Better Business Bureau) and BCA (Organization Customer Alliance). The company additionally has countless 5-star consumer evaluations on Google, Facebook, TrustLink and Consumer Matters. It was identified by IRA Gold Consultant as the “A lot of Trusted in the united state” TrustLink named the firm “Ideal of” five years in a row. Not just that, my research reveals Augusta is the only firm with no complaints considering that 2012.

One fan of Augusta takes place to be hall of popularity quarterback, Joe Montana. His advisors vetted all the gold business in the United States and they picked Augusta as the best. Now Mr. Montana is also the firm’s official ambassador. Augusta is the business he recommends to others that are looking into buying rare-earth elements and saving their wide range away safely. He also promotes Augusta on Facebook and various other areas, motivating people to check out it.

In this write-up, we break down every little thing you require to learn about Augusta to make an educated choice regarding whether to buy rare-earth elements from them to protect your cash.

Augusta Priceless Metals Gold IRAs.
A Gold IRA functions basically like a standard IRA. The only substantial distinction is that you’re purchasing physical possessions as opposed to just paper ones. As a result, a rare-earth element IRA has extra policies as well as policies.

Augusta Precious Metals has used precious metals since 2012. The company flaunts an extremely educated as well as knowledgeable team with lots of internal revenue service regulations experience. Their exemplary customer care makes it very easy for your retirement financial savings to work for you.

Opening Up a Gold individual retirement account includes a simple three-step process. Right here’s their structured Gold IRA process:.

Produce your self-directed individual retirement account with Augusta’s preferred custodian to store your financial investments.
Fund the Augusta Precious Metals account.
Purchase qualified silver and gold.
You do not need to store your gold and silver investments at home when Augusta Precious Metals save them in a safe, totally insured center.

Once you move your funds or complete the gold or silver cash money acquisitions, Augusta Rare-earth elements will certainly have your financial investments moved safely to an IRS-approved vault, where they’re kept till you reach old age.

Augusta permits you to select the depository most practical for you from a number of locations in the USA. Cities with Augusta Precious Metals storage space centers include Los Angeles, CA; Jackson, Ohio; Salt Lake City, Utah; New Castle, Delaware; Wilmington, Delaware; Mississauga, Ontario, Canada; and also Springfield, New York City.

Augusta Rare-earth elements’ distinctly efficient as well as efficient approach creates price benefits that flow down to its clients.

Even after developing an initial account, consumers can contact any individual from the Augusta Precious Metals team for help.

Upon retired life, you can opt to have the rare-earth elements disbursed in real gold/silver or cash money. Keep in mind that purchasing rare-earth elements bushes versus rising cost of living.

Lear Capital Careers

The real gold in a gold IRA have to go to least 99.5% pure. Augusta Precious Metals provides investors the choice to invest in coins and also bars.

Moving and also Rolling Over Existing IRAs.
If you’re aiming to rollover an existing retirement account, state due to the fact that you’re retiring or altering jobs, the IRS mandates that you surrender the circulation from your existing IRA account or other pension within 60 days.

Augusta Precious Metals offers useful overviews to simplify the procedure of surrendering your existing IRA account. A gold IRA rollover offers extra benefits than purchasing gold outright because they attract lower tax obligation costs.

Relying on your tax obligation brace, payments made to your rare-earth elements IRA account may also be tax-deductible. Making the most of such tax breaks conserves you money and produces a much more worthwhile investment.

However, it’s vital to be familiar with internal revenue service regulations and policies concerning transferring as well as surrendering your existing individual retirement account to a Gold individual retirement account. Comprehending the policies can save you a lot of time and money.

The IRS sets guidelines that control exactly how much you can add to a priceless steels Individual retirement account based on your age. It likewise establishes when you’ll be permitted to begin taking out funds.

With close to five decades of experience in the precious metals sector, the team at Augusta Precious Metals is well versed in the lawful, tax obligation, and policy concerns pertaining to precious metal Individual retirement accounts. The extremely knowledgeable professionals are always ready to answer inquiries as well as provide even more information. They make the rollover process effortless.

Just like any kind of investment choice, you constantly want to begin with study. The Augusta Valuable Metals team understands the moment and also effort you put into accumulating your retirement savings and will certainly never ever recommend products that do not straighten with your financial investment objectives. If you decide to buy silver or gold, you ought to begin considering the types of Augusta Priceless Metals you desire in your portfolio.

Second, Augusta Rare-earth elements gives a professional devoted to every account. The agent will certainly stroll you with the entire procedure, assist with documents, as well as also answer your inquiries.

Next off, you can start setting up your rollover. Moving your funds directly from the previous solutions is frequently less challenging than doing it indirectly. You’ll constantly have an IRA gold consultant by your side to assist you via the transfer process.

As soon as you have actually finished the transfer, you can pick the gold and also silver you want to be consisted of in your rare-earth elements individual retirement account as well as start delighting in the advantages. Augusta supplies widely known physical silver and gold products, and also you can rely on their group to aid you construct the rare-earth elements portfolio you select.

What I Like Regarding Augusta Priceless Metals?
Their one-on-one technique is truly distinct, as well as it reveals me that they are serious about supplying really rich customer support – not only before you purchase, but after (they state for the whole life of your account). If you’re serious about purchasing gold, they also put together a personally customized discussion and educational webinar that’s just for you. This is not a replay of a pre-recorded presentation. You’re dealt with exactly the same way they dealt with Joe Montana.

We likewise located frustrating favorable evaluations for the firm online and were shocked to see no grievances given that the company was founded. Their clients confirm that Augusta’s costs are extremely affordable, as well as they love getting the majority of their costs paid (as much as ten years worth), depending upon what you qualify for). The way they have their departments and also gold individual retirement account specialists arranged plainly leads to positie experiences for customers.

With the volume of business they do, it’s expected to find anecdotal situations where there are miserable customers. The web is your buddy as well as with sites like the BBB, Trustlink, and google, it’s quick to see when a firm is not performing at their finest. Even if it’s one out of ten thousand clients, that a person unfavorable review winds up all over all of the verified customer evaluation sites! The bright side about Augusta Precious Metals testimonials is that the firm’s client responses is exceptional and the company also boldly web links directly to third-party review pages directly from their website.

This firm’s client feedback is excellent and also the firm also connects straight to 3rd party review pages directly from their site.

What I Don’t Like Concerning Augusta PM.
The minimal acquisition with Augusta Priceless Metals is $50,000. This is for both, gold individual retirement account and also direct shipment purchases. The firm will certainly not collaborate with a customer intending to invest under this buck quantity.

This $50,000 minimum can be high for any person buying metals for house distribution. Various other companies can much better aid customers in a straight shipment acquisition under $50k.

This is an issue for IRAs due to the fact that several of Augusta’s rivals will open a gold individual retirement account rollover for as reduced as $10,000. If you’re looking to invest $50,000 or even more in rare-earth elements, this won’t pose a trouble, however numerous Americans haven’t conserved sufficient in retirement as well as are evaluated of working with Augusta PM.

Likewise, the company doesn’t specialize in platinum and also palladium products. While the majority of investors want gold and silver, I believe a gold individual retirement account firm should specialize in all rare-earth elements and have as wide a selection of IRA-accepted rare-earth elements displayed on their internet site.

Note: They do state they can manage platinum as well as palladium if asked. It might be worth it doe to this company’s stellar online reputation.

Augusta’s Main Providers.

Augusta Precious Metals enlightens and also equips American retirement investors to safeguard their savings by including physical silver and gold IRAs to their retired life profiles. The company is understood for zero grievances, recurring consumer education and learning, affordable as well as clear prices, and also an impressive streamlined procedure.

With a total concentrate on gold and silver Individual retirement accounts from its creation in 2012, Augusta has constantly included services and structured their process till they have come to be the marketplace leader. They have just recently been acknowledged for a total lack of client complaints over the past decade. No other company can claim this.

Countless 5-star evaluations, almost solely, over multiple evaluation internet sites, are an absolutely outstanding testament to the quality of Augusta’s straightforward, effective services. (See listed below for the extraordinary tale of Augusta consumer as well as company ambassador, hall of fame quarterback Joe Montana.).

In particular, Augusta’s no-commission, no-pressure sales team sticks out as really various (in a great way) from any other gold IRA company. Additionally, unlike various other companies, Augusta uses an one-of-a-kind individually internet seminar designed by its on-staff Harvard-trained economist to help you learn more about the economic situation and making use of physical gold and silver in your financial investments.

Custodial and also Storage Providers.

Among the best worths of collaborating with a silver and gold firm like Augusta Priceless Metals is being able to tap its deep experience to select a credible, top notch custodian and storage space service for your physical silver and gold.

In Augusta’s situation, the business has made it an indicate thoroughly assess custodians and storage space centers, so they can feel confident of the suggestions to you– which must assist you feel great concerning your use these organizations.

Unlike other companies, Augusta dedicates to functioning as a liaison for you with these organizations even long after your first deal. This can help you with continuous acquisitions, distributions, as well as buybacks.

Augusta’s favored gold individual retirement account custodian is Equity Trust, which is the nation’s leading self-directed IRA company. Equity Trust has greater than thirty years of experience managing over $25 billion in possessions and also offers consumers in all 50 states. Augusta additionally advises Goldstar Trust Company and also Kingdom Trust Fund.

When it pertains to secure storage space for your physical gold and silver, you can count on Augusta to advise reliable facilities. Their primary choice for storage is the Delaware vault, which Augusta claims it believes is the most effective safeguarded exclusive vault in the United States.

Lear Capital Careers

Birch Gold
Rating: 9.3

GET THEIR FREE GUIDE

Birch Gold Group is a leading full-service precious metals company based in Burbank, The golden state. Established in 2003, the firm has been accommodating rare-earth element financiers looking for riches diversification for financial stability across the U.S.

No question you’re wondering what precious metal services and products are available at Birch Gold Group. You’ll be delighted to discover that the firm is a full-stack rare-earth elements dealership. That suggests they offer most services and products you require to enter into the precious metals market.

Particularly, Birch Gold Team sells self-directed precious metal IRAs and also the straight sale of gold, silver, platinum, and palladium in the form of bars and also coins. The company boasts an excellent labor force of established monetary brokers, economic executives, investment consultants, and also various other riches professionals that guarantee customers excellent solutions and support.

If you’re questioning the business’s credibility, we have good news: Birch Gold Group continuously includes in major economic media as well as investment news electrical outlets. Better still, their two-decade market experience cements the count on of new and also established precious metal financiers alike.

How does it function?
There are 2 kinds of individuals who are thinking about Birch Gold Team. One, individuals who have an interest in purchasing coins as well as bars of precious metals. 2, individuals that have an interest in Precious Metal Individual Retirement Account

If you are among individuals who want to buy bars and coins of gold, silver, palladium and platinum, Birch Gold Group has an easy purchase process. All you need to do is call them concerning your favored item and they will provide to you all your options.

You can after that pay with individual checks or you can also wire your payment. Birch Gold Group will certainly deliver your steels to you and also have the items get to your front door within seven days.

On the other hand, if you are just one of the people that are considering a silver or gold individual retirement account, you would certainly need to speak to a Birch Gold Group agent to start. You will certainly be designated a Precious Metals specialist to aid you all throughout the process.
Augusta are satisfied to aid identify various other proper depositories around the country so you can keep your gold and also silver closer to you.

Birch Gold Group’s Valuable Metals IRA.
If you’re seeking to bypass extra unpredictable standard financial investments like mutual funds, metal Individual retirement accounts are an outstanding alternative.
Self-directed IRAs continue to be among one of the most prominent rare-earth element investing courses thanks to their benefit as well as capacity to hedge against inflation and also stock exchange accidents. Just like your typical IRA, they let you save for retirement on a tax-advantaged basis.
Birch Gold Team uses numerous self-directed individual retirement account choices, making it less complicated to expand your portfolio as well as make financial investments that line up with your knowledge, experience, or enthusiasms. Let’s review them one at a time

Gold IRAs
Mankind has valued glossy yellow gold because it was first discovered. While this precious metal is renowned for its appeal, long life, and also sensible effectiveness in numerous markets, several nowadays use gold as a safe house versus inflation.

Its value regularly alters however can also have long periods of stable rates as well as quiet trading. In spite of these regular cost changes, gold IRAs remain to be a trustworthy store of value since their price is much less impacted by supply and demand patterns.

Gold Bullion Coins
Birch Gold Team supplies different gold IRA-approved coins from different mints, and they usually have a greater worth than gold bars due to the higher demand as well as production costs. A few advantages of buying gold coins are that they are easily identifiable as well as uncomplicated to trade.

Birch Gold Team Rates

So just how does Birch Gold earn money? As a broker, Birch Gold Team pays a wholesale price for rare-earth elements items. They after that bill you (the customer) a list price. This spread between the wholesale as well as market price of your precious metals is how the business turns a profit.

This is pretty standard with the majority of gold individual retirement account firms. The prices additionally has a tendency to be relatively affordable with these gold IRA business as they’re all battling to make your company.

No matter, constantly contact greater than one dealer. Compare all costs, and obtain whatever in creating prior to spending one tough gained buck!

Birch Gold Group Evaluation

There are a lot of firms out there vying to establish your brand-new silver or gold individual retirement account. Birch Gold Group is a suitable business. The company:

– has been in business practically twenty years – they’re no unreliable firm that may disappear tomorrow
– is highly ranked with the BBB, BCA, TrustLink, TrustPilot, Yelp – customer feed back and evaluates ordinary 5 out of 5 celebrities
– has been vetted as well as recommended by celebs like Ben Shapiro – he wouldn’t advise them if they weren’t a top ranked dealer

We’re taking a look at all of the big names in rare-earth elements and adding our reviews to this website. We have actually rated Birch Gold Team evaluates at the top of our list of recommendations for 2022.

Call Birch and also a couple of various other leading dealers, demand even more information, and determine which company makes the most feeling for you and also your money.

IS BIRCH GOLD GROUP A SCAM?

No, Birch Gold Team is not a fraud and they are a reputable rare-earth elements IRA company, with terrific standings in the sector.

Lear Capital Careers

Despite fantastic rankings though, I desire they had extra customer testimonials in the 15 years they have been in business which reveals me they might not have the volume of company as other firms that have much more customer testimonials.

Without a bigger business volume, they may not be able to purchase the best rates for their precious metals in the wholesale market and also therefore not the very best costs for you.

Additionally, what this business does not have as well as another reason that I do not recommend Birch Gold Group is because they lack the handling effectiveness of a business that uses electronic applications and electronic trademarks.

In this day as well as age, you must be in the center on just how service is dealt, and also nowadays, online is the method to do service.

If Birch Gold Team’s site can’t handle digital applications as well as do points even more much faster with better processing times, after that they are not a forefront leader in my eyes in this industry.

The best companies our team have checked and looked at

1. Goldco
Rating: 9.9

GET THEIR FREE GUIDE


4. Augusta Precious Metals

Rating: 9.8

GET THEIR FREE GUIDE


2. Birch Gold
Rating: 9.3

GET THEIR FREE GUIDE


Out of ALL company we’ve researched, we’ve found the one that gives the most to their customers and is the most trustworthy…

Lear Capital Careers

Goldco – Our Top Referral

GET THEIR FREE GUIDE


About Goldco Precious Metals.
GoldcoGoldco is a leading precious metals market leader, whose specialty is offering tax-advantaged self-directed Individual retirement accounts that are permitted to hold rare-earth elements by the IRS, though Non-IRA rare-earth elements are also readily available.

Established in 2006 by Trevor Gerszt, and rebranding as Goldco in 2011, they have actually aided hundreds of individuals and also family members throughout the nation successfully go into the rare-earth elements investment arena.

They have actually truly earned some of the highest possible gold supplier scores in the market, thanks to their high criteria of putting their customers at the facility of whatever that they do, which can be verified on all major trusted review websites.

Investing with Goldco

Purchasing stocks is wonderful with the exception of threats, such as rising cost of living and also market volatility, since the investment is connected to the dollar. When you pick to invest in precious metals, you can secure your financial investments because their market is not linked to the dollar, so you will not be impacted even in an economic situation.

Consequently, purchasing a rare-earth elements individual retirement account with Goldco best fits individuals who do not wish to take the chance of the bonds and also securities market volatility. In addition, individuals that would like to purchase substantial items as opposed to a firm that might vanish or in a business’s percentage that will likely change in mergers can likewise gain from purchasing a precious metals IRA.

Their precious metals are IRA-approved and abide by the internal revenue service guidelines, so you do not need to stress over whether what you are getting is genuine or fake. As stated earlier, when you start your distributions from your IRA, the company will redeem the rare-earth elements or sell them in the market, so you do not have to worry about where you will certainly discover the marketplace for your financial investment.

It deserves noting that they collaborate with and can refer you to a custodian, but they are not precious metals custodians as well as do not use storage solutions. If you are unclear about just how to complete the entire process, they can aid you set up the services by suggesting some suppliers you can deal with. They are nationally identified and have actually also had really excellent growth since their facility.

The Goldco Gold individual retirement account overview launch particularly makes a strong case on why investors must think about rolling over a part or whole of their retirement funds as well as any type of paper-backed properties from conventional pension right into self-directed precious metals Individual retirement accounts, primarily gold Individual retirement accounts and silver IRAs.

The testimonial highlights the procedure that investors can follow to start their precious metals individual retirement account with Goldco in just three steps. It additionally looks into the information including the experience of capitalists dealing with Goldco Gold IRA account experts that make it easier to rollover existing properties from 401( k), 403( b), traditional individual retirement account and also other retirement.

One of the pleased consumers had this to claim regarding Goldco, “I currently believe that Goldco is one of the most reliable gold individual retirement account firm in the market today. My experience with the company validated it is the best option and also cares for the interests of investors, senior citizens or anybody that intends to safeguard their investment profiles with rare-earth elements IRA spending strategies”.

The Goldco Evaluation

adequately covers the role of committed Gold individual retirement account experts in aiding financiers to select the appropriate mix of precious metals for their IRAs. financiers are led on this for functions of protecting and also expanding their retired life profiles, hedging against rising cost of living as well as economic uncertainties to accomplish wanted monetary objectives.

The Advancement of GoldCo

As we stated earlier, GoldCo was founded in 2006 by Trevor Gerszt and also was initially called GoldCo Direct. In the beginning, its focal point was direct cash bargains, however as time passed, the business kept in mind the gap in the market for a trustworthy gold IRA supplier.

So, the monitoring made the bold choice to switch from being a gold dealership to a gold individual retirement account firm, and also this prompted them to alter the company’s name to something that stood for the business’s procedures.

They changed the name to GoldCo Heritage and later changed to GoldCo Valuable Metals. After a short tussle with a Japanese company passing the very same name, the company officially embraced the name GoldCo in April 2017.

And also with that said, the name GoldCo Precious Metals sticks to date.

Currently, 80% of the company’s transactions remain in IRA and 20% in non-IRAs.

Let’s now consider what it uses.

I) Precious Metal IRAs.
Here, GoldCo will assist you establish a silver or gold IRA or a combination of both types of accounts. The company will communicate with your suitable custodian for you and also assist you select out the best valuable metals for you.

GoldCo will likewise assist you purchase just IRS-approved valuable steels and arrange for their storage space in an approved vault. This will certainly assist you follow all the IRS guidelines and also maintain you on the ideal side of the law.

Keep in mind that you are only qualified for a traditional IRA if you are listed below 70 1/2 years and also have gained some revenue.

II) Cash Money Sales of Precious Metals.
Next, you can also buy precious metals via the firm, as well as in this instance, there are no age limitations or needs for you to have actually earned revenue.

Once you acquire the metals, it is up to you to determine whether you desire them saved in a secure safe or have them delivered to your home.

Both the delivery as well as storage do not sustain any cost, while the sales are limited within the United States.

III) Cryptocurrency IRAs

Away from the precious metals, GoldCo has a sister firm, CoinIRA, which aids you identify the ideal digital currencies to buy. Then, you will certainly be assisted on establishing a crypto IRA for your investment.

Note that you can not combine rare-earth elements as well as cryptocurrencies within the same IRA.

GoldCo Charges

We were pleased with the business’s charge model, which was created to enable you to save as much cash as you can. Let’s look at the fee failure for precious metal IRAs as well as non-IRA transactions.

The set-up fee for precious metal IRAs starts at $260 each year, while an IRA with non-aggregated storage will cost you $260 for the initial year and $180 for the years that adhere to.

And also if you have an interest in IRA with aggregated storage space, you will certainly get rid of $310 throughout the very first year as well as $230 for the coming years.

You might additionally be pleased with the truth that non-IRA deals do not draw in any type of fees.

Why Choose GoldCo?

During our extensive research on GoldCo, we compared the company with its competitors with the purpose of figuring out what it did in a different way from the rest. Here is what we figured out:.

– It has among the very best rankings in the sector. Keep in mind that this firm has been in business for near to fifteen years and also has preserved high scores all through.
– Next up is the white glove service that they provide their customers. Their client assistance is rather excellent as well as is meant to direct you via every action of your financial investment journey with them. Along with that, GoldCo has established calculated business partnerships with popular custodians and also vaults.
– The staff will certainly examine your scenario before recommending the rare-earth elements to consist of in your gold IRA. In the long run, you should have a portfolio that satisfies all your retired life goals.
– It has specialists that specify to the different solutions that it supplies.
They offer unique promos for the new customers.
– Cash money sales come with cost-free shipment as well as storage space in the cutting edge centers.
– Loaded with substantial instructional resources such as blogs, videos, as well as eBooks.
– Does not have aggressive sales representatives.
– It has a low-fee version that assists you conserve as high as you can.
– The individual retirement account and also 401( k) rollover plans are quick and effortless.
– Has a buy-back program that implies you’ll obtain more for your steels than you would certainly have from dealers elsewhere.

Moving Over Your Retirement.
If you have an old retirement plan from a previous employer, such as a 403( b) or 401( k), Goldco can assist roll it over right into an individual retirement account.

The first step is to open up an individual retirement account with Goldco. Once you have your new account open, you need to speak with an Goldco IRA expert to demand that funds from your old account be relocated to your brand-new account. This can be done utilizing either a straight rollover or an indirect rollover.

Lear Capital Careers

With a direct rollover, funds are sent out from the custodian of the very first account to the custodian of the second account. With an indirect rollover, the account is closed as well as the funds are sent out to you. Under IRS guidelines, you have 60 days to transfer those funds right into your new pension.

If you do not satisfy the 60-day home window, you’ll have to pay taxes as well as costs. Because of this, Goldco recommends a straight rollover.

Who is Goldco For?

Goldco’s items are perfect for individuals who are worried concerning the future of the U.S. buck, the volatility of the securities market, or the opportunity of future economic crises.

If you favor to own physical investments as opposed to business safeties, Goldco is definitely a viable option. A supply can decrease 80%, 90%, or perhaps right to $0. The background of the stock exchange has such examples.

Yet gold isn’t mosting likely to go to $0. It just does not have the very same risks that other investments have.

If you do possess some supplies in your portfolio, but want to add some diversity to minimize risk, including gold right into your overall investment photo will assist to smooth out any type of market crashes.

People that are in retirement or nearing retired life might gain from gold’s inherent security. Because the yellow steel isn’t mosting likely to be liquidated to another buyer for cents on the dollar, it can add a level of safety to a portfolio filled with private supplies.

Goldco Testimonial – Last Ideas

Recent stock exchange collisions in 2000, 2008, and also now in 2020 are pointers of the fundamental challenges on the planet’s economic markets. Diversifying a financial investment profile made up of stocks and mutual funds with safe-haven assets like rare-earth elements is one means to decrease risk.

Goldco has actually identified the problems of purchasing unsure environments and also has created an option. Although costs for retirement accounts are a little high, the minimal equilibrium demand keeps them short on a percent basis.

And also if you intend to get rid of fees completely, you can open a taxable account. You desire to shield your financial future, Goldco has alternatives for you. Perhaps the most effective solution Goldco supplies is satisfaction.

Augusta Precious Metals

Rating: 9.8

GET THEIR FREE GUIDE

Augusta Priceless Metals Review

Augusta’s customer service is top-notch, its rates are wonderful, and this is my top choice for a gold firm. It has a reputation for being clear with customers, so you know exactly what their service entails from start to finish of buying precious metals! Augusta Rare-earth Elements are the only firm I know of that uses customer support for your account life time.

Their procedure aids inform people concerning exactly how the economic climate functions, as well, since gold has been verified time after time as one method to shield cash from decrease during bumpy rides when confidence falters and also lots of political leaders do not seem capable of making sound decisions. The education and learning department is led by Devlyn Steele, a Harvard-certified economic analyst. Augusta is the only gold business that supplies a special approach via one-on-one web conferences clarifying the economy, dangers to one’s retired life, and physical gold and silver.

Basically, this firm stands from the rest. It has leading rankings from customer sites we trust, including the BBB (Bbb) and BCA (Company Consumer Partnership). The company also has thousands of 5-star consumer testimonials on Google, Facebook, TrustLink as well as Consumer Matters. It was determined by individual retirement account Gold Consultant as the “Many Relied on the U.S.” TrustLink called the company “Best of” 5 years straight. Not just that, my study shows Augusta is the only business with zero issues considering that 2012.

One fan of Augusta occurs to be hall of fame quarterback, Joe Montana. His advisors vetted all the gold companies in the USA and they selected Augusta as the best. Now Mr. Montana is even the firm’s official ambassador. Augusta is the company he suggests to others who are exploring buying rare-earth elements as well as saving their riches away securely. He also advertises Augusta on Facebook and also various other areas, motivating individuals to look into it.

In this post, we break down whatever you require to learn about Augusta to make an informed choice concerning whether to get precious metals from them to safeguard your money.

Augusta Priceless Metals Gold IRAs.
A Gold IRA works essentially like a traditional individual retirement account. The only considerable distinction is that you’re buying physical possessions rather than just paper ones. Consequently, a precious metal IRA has extra guidelines and also policies.

Augusta Priceless Metals has provided precious metals because 2012. The company flaunts an extremely trained and experienced team with plenty of internal revenue service policies experience. Their excellent customer service makes it very easy for your retired life savings to work for you.

Opening Up a Gold IRA entails a simple three-step procedure. Here’s their structured Gold individual retirement account procedure:.

Create your self-directed IRA with Augusta’s favored custodian to save your financial investments.
Fund the Augusta Valuable Metals account.
Acquisition qualified silver and gold.
You don’t have to store your gold and silver investments in your home when Augusta Precious Metals keep them in a protected, fully guaranteed facility.

When you move your funds or complete the gold or silver money purchases, Augusta Rare-earth elements will certainly have your investments moved securely to an IRS-approved vault, where they’re saved up until you get to old age.

Augusta enables you to pick the vault most hassle-free for you from a number of areas in the United States. Cities with Augusta Rare-earth elements storage facilities include Los Angeles, CA; Jackson, Ohio; Salt Lake City, Utah; New Castle, Delaware; Wilmington, Delaware; Mississauga, Ontario, Canada; and Springfield, New York City.

Augusta Precious Metals’ uniquely effective and also reliable approach generates cost advantages that flow down to its consumers.

Even after developing a first account, consumers can get in touch with any person from the Augusta Precious Metals group for aid.

Upon retirement, you can decide to have the rare-earth elements disbursed in real gold/silver or cash. Bear in mind that getting rare-earth elements bushes versus rising cost of living.

Lear Capital Careers

The real gold in a gold individual retirement account need to be at least 99.5% pure. Augusta Precious Metals provides capitalists the choice to buy coins and bars.

Transferring as well as Rolling Over Existing Individual Retirement Accounts.
If you’re aiming to rollover an existing pension, claim because you’re retiring or altering tasks, the IRS requireds that you roll over the distribution from your existing IRA account or various other retirement accounts within 60 days.

Augusta Rare-earth elements uses practical guides to streamline the process of surrendering your existing IRA account. A gold individual retirement account rollover supplies a lot more advantages than getting gold outright due to the fact that they draw in reduced tax obligation charges.

Depending on your tax bracket, contributions made to your precious metals IRA account may likewise be tax-deductible. Making the most of such tax breaks conserves you money as well as produces a much more rewarding financial investment.

It’s important to be familiar with IRS policies and also guidelines regarding transferring as well as rolling over your existing IRA to a Gold IRA. Understanding the rules can save you a lot of time and money.

For example, the internal revenue service sets guidelines that manage how much you can add to a precious metals IRA based on your age. It likewise determines when you’ll be allowed to start taking out funds.

With near five years of experience in the precious metals sector, the team at Augusta Precious Metals is well versed in the lawful, tax obligation, as well as plan concerns relating to rare-earth element Individual retirement accounts. The very seasoned specialists are always ready to address inquiries and also supply more details. They make the rollover process uncomplicated.

Just like any type of investment decision, you constantly want to start with research. The Augusta Valuable Metals group recognizes the moment and also effort you put into collecting your retirement cost savings and also will certainly never recommend products that don’t line up with your financial investment goals. If you choose to purchase gold or silver, you need to start thinking about the types of Augusta Priceless Metals you desire in your profile.

Second, Augusta Precious Metals gives a specialist devoted to each account. The representative will walk you with the whole process, help with paperwork, and also also address your concerns.

Next, you can begin setting up your rollover. Transferring your funds directly from the previous services is usually much less challenging than doing it indirectly. You’ll always have an Individual retirement account gold consultant by your side to assist you through the transfer process.

When you have actually finished the transfer, you can pick the gold as well as silver you intend to be included in your precious metals IRA and begin enjoying the benefits. Augusta offers well-known physical silver and gold items, as well as you can depend on their group to aid you construct the rare-earth elements portfolio you choose.

What I Like Regarding Augusta Priceless Metals?
Their one-on-one method is genuinely one-of-a-kind, as well as it shows me that they are serious about providing really abundant customer care – not only prior to you purchase, but after (they claim for the entire life of your account). If you’re serious about purchasing gold, they also put together a directly tailored presentation and also academic webinar that’s just for you. This is not a replay of a pre-recorded presentation. You’re dealt with precisely the same way they dealt with Joe Montana.

We also located frustrating favorable evaluations for the company online as well as were shocked to see no grievances since the business was founded. Their clients validate that Augusta’s prices are very affordable, as well as they love getting the majority of their charges paid (approximately 10 years worth), depending upon what you qualify for). The way they have their divisions and gold IRA specialists organized clearly results in positie experiences for customers.

With the volume of organization they do, it’s anticipated to discover anecdotal scenarios where there are miserable clients. The web is your good friend and also with websites like the BBB, Trustlink, and google, it fasts to see when a company is not doing at their ideal. Even if it’s one out of ten thousand customers, that adverse review winds up throughout all of the confirmed client testimonial websites! The bright side concerning Augusta Rare-earth elements reviews is that the company’s client responses is superb as well as the firm even boldly web links straight to third-party testimonial pages straight from their site.

This business’s customer comments is excellent as well as the firm also links directly to 3rd party evaluation pages directly from their website.

What I Don’t Like Regarding Augusta PM.
The minimal purchase with Augusta Valuable Metals is $50,000. This is for both, gold IRA and also straight shipment acquisitions. The business will not collaborate with a client wishing to invest under this buck quantity.

This $50,000 minimum can be high for anyone buying steels for residence delivery. Various other companies can better aid clients in a straight delivery acquisition under $50k.

This is an issue for Individual retirement accounts due to the fact that several of Augusta’s competitors will open a gold IRA rollover for as low as $10,000. If you’re wanting to spend $50,000 or more in precious metals, this will not posture an issue, but many Americans haven’t saved sufficient in retired life as well as are priced out of dealing with Augusta PM.

The company does not specialize in platinum and also palladium products. While the majority of financiers are interested in gold and silver, I think a gold individual retirement account business ought to concentrate on all rare-earth elements and have as wide a choice of IRA-accepted precious metals displayed on their website.

Keep in mind: They do state they can handle platinum and also palladium if asked. It may be worth it doe to this company’s excellent track record.

Augusta’s Key Services.

Augusta Precious Metals enlightens and encourages American retirement capitalists to protect their financial savings by including physical gold and silver Individual retirement accounts to their retirement portfolios. The company is known for absolutely no grievances, recurring customer education, competitive and clear rates, and a remarkable structured procedure.

With a full concentrate on silver and gold IRAs from its creation in 2012, Augusta has actually constantly included services and also structured their process until they have come to be the market leader. They have just recently been identified for a full lack of consumer grievances over the past decade. No other company can claim this.

Thousands of 5-star evaluations, practically specifically, over multiple evaluation internet sites, are an absolutely impressive testimony to the top quality of Augusta’s truthful, efficient services. (See below for the amazing story of Augusta consumer and also company ambassador, hall of popularity quarterback Joe Montana.).

In particular, Augusta’s no-commission, no-pressure sales team sticks out as very various (in a great way) from any other gold IRA company. On top of that, unlike various other firms, Augusta uses a special individually internet seminar made by its on-staff Harvard-trained financial expert to help you discover the economic situation and making use of physical gold and silver in your financial investments.

Custodial and also Storage Providers.

Among the best values of working with a silver and gold business like Augusta Precious Metals is having the ability to tap its deep experience to choose a respectable, premium custodian as well as storage service for your physical gold and silver.

In Augusta’s case, the firm has actually made it an indicate completely evaluate custodians as well as storage space centers, so they can feel confident of the recommendations to you– which need to help you feel great regarding your use these organizations.

Unlike other firms, Augusta devotes to working as an intermediary for you with these organizations also long after your first deal. This can assist you with ongoing purchases, distributions, and also buybacks.

Augusta’s preferred gold IRA custodian is Equity Count on, which is the nation’s leading self-directed IRA supplier. Equity Trust fund has more than three decades of experience managing over $25 billion in properties as well as serves consumers in all 50 states. Augusta also recommends Goldstar Trust Company and also Kingdom Trust Fund.

When it concerns secure storage for your physical gold and silver, you can count on Augusta to recommend reliable centers. Their number one pick for storage space is the Delaware depository, which Augusta claims it thinks is the most effective secured personal depository in the United States.

Lear Capital Careers

Birch Gold
Rating: 9.3

GET THEIR FREE GUIDE

Birch Gold Group is a leading full-service precious metals firm based in Burbank, The golden state. Established in 2003, the firm has been catering to rare-earth element investors seeking wide range diversification for economic security throughout the united state

No doubt you’re questioning what precious metal product or services are available at Birch Gold Group. You’ll be delighted to learn that the firm is a full-stack precious metals dealer. That suggests they provide most services and products you need to enter into the rare-earth elements market.

Specifically, Birch Gold Team deals in self-directed precious metal IRAs and the straight sale of gold, silver, platinum, and palladium in the form of bars and also coins. The firm boasts an impressive workforce of established economic brokers, financial executives, investment consultants, and also various other wide range professionals that ensure clients excellent services and assistance.

If you’re wondering about the firm’s reputation, we have excellent news: Birch Gold Team continually features in significant economic media as well as financial investment information outlets. Much better still, their two-decade market experience seals the count on of brand-new and also recognized rare-earth element investors alike.

How does it work?
There are two sort of people that are considering Birch Gold Team. One, the people who have an interest in buying coins and also bars of precious metals. Two, the people that are interested in Precious Metal Individual Retirement Account

If you are just one of individuals who wish to acquire bars and coins of gold, silver, palladium and also platinum, Birch Gold Team has an easy acquisition process. All you have to do is call them concerning your recommended product and also they will provide to you all your options.

You can after that pay with individual checks or you can likewise wire your payment. Birch Gold Group will deliver your metals to you and have the products reach your doorstep within 7 days.

On the other hand, if you are just one of the people who are taking into consideration a gold or silver IRA, you would need to speak to a Birch Gold Group rep to start. You will be assigned a Rare-earth elements specialist to help you all throughout the process.
Augusta are satisfied to assist recognize other proper vaults around the nation so you can store your gold as well as silver closer to you.

Birch Gold Team’s Priceless Metals IRA.
If you’re aiming to bypass extra volatile conventional investments like mutual funds, metal IRAs are an exceptional alternative.
Self-directed Individual retirement accounts continue to be amongst one of the most prominent precious metal spending courses thanks to their benefit and capability to hedge against inflation and also stock exchange crashes. Much like your typical individual retirement account, they let you save for retirement on a tax-advantaged basis.
Birch Gold Group offers lots of self-directed individual retirement account options, making it simpler to diversify your portfolio and also make financial investments that associate your understanding, experience, or passions. Let’s review them one by one

Gold IRAs
Mankind has treasured shiny yellow gold since it was first discovered. While this rare-earth element is renowned for its elegance, durability, and functional usefulness in many sectors, several nowadays make use of gold as a safe haven versus inflation.

Its worth frequently transforms yet can also have extended periods of stable prices and also peaceful trading. In spite of these routine rate variations, gold Individual retirement accounts continue to be a trustworthy store of value since their cost is much less influenced by supply and also demand patterns.

Gold Bullion Coins
Birch Gold Group gives various gold IRA-approved coins from various mints, as well as they normally have a higher worth than gold bars as a result of the greater demand and production prices. A few benefits of investing in gold coins are that they are conveniently well-known and simple to trade.

Birch Gold Group Prices

So how does Birch Gold get paid? As a broker, Birch Gold Group pays a wholesale cost for rare-earth elements products. They then bill you (the client) a market price. This spread between the wholesale and list price of your precious metals is how the company turns a profit.

This is quite standard with many gold IRA business. The prices additionally tends to be fairly competitive with these gold individual retirement account business as they’re all combating to make your organization.

No matter, always get in touch with more than one supplier. Contrast all costs, as well as get every little thing in writing prior to spending one difficult made buck!

Birch Gold Team Review

There are a great deal of firms available competing to establish your new gold or silver individual retirement account. Birch Gold Group is a respectable company. The business:

– has been in business practically 20 years – they’re no fly-by-night business that could vanish tomorrow
– is extremely rated with the BBB, BCA, TrustLink, TrustPilot, Yelp – client feed back and also examines average 5 out of 5 celebrities
– has actually been vetted and supported by celebs like Ben Shapiro – he would not recommend them if they weren’t a leading rated dealer

We’re taking a look at every one of the heavyweights in rare-earth elements and also adding our reviews to this website. We have actually placed Birch Gold Group reviews on top of our short list of suggestions for 2022.

Get in touch with Birch and a number of various other top dealerships, demand even more information, and also determine which company makes the most sense for you and your cash.

IS BIRCH GOLD TEAM A RIP-OFF?

No, Birch Gold Group is not a fraud and also they are a reputable rare-earth elements IRA company, with terrific standings in the sector.

Lear Capital Careers

Even with fantastic ratings though, I wish they had extra consumer testimonials in the 15 years they have stayed in business which shows me they might not have the quantity of business as other companies that have much more customer reviews.

Without a larger company quantity, they might not have the ability to buy the most effective rates for their rare-earth elements in the wholesale market and thus not the most effective costs for you.

In addition, what this company lacks as well as an additional reason that I don’t advise Birch Gold Group is because they lack the processing efficiencies of a firm that uses electronic applications and also electronic signatures.

In this day and age, you must be in the center on exactly how service is dealt, as well as these days, online is the method to do organization.

If Birch Gold Team’s internet site can not take care of digital applications as well as do things even more much faster with much better processing times, after that they are not a leading edge leader in my eyes in this industry.

Request Your FREE Gold IRA Guide Now

And Discover How Easy It Is To Protect & Secure Your Retirement Savings

(and FREE silver too!)

Send Me My Guide Now!