Last Updated: August 10, 2026
The information provided by Retired.com should not be interpreted or construed as investment, tax, or legal advice. It also does not constitute a recommendation, an offer to sell, or a solicitation to buy securities.
All customer accounts are self-directed. Accordingly, unless Retired.com clearly identifies a communication as an individualized recommendation, customers are solely responsible for any and all orders placed in their accounts and understand that all orders entered by them are based on their own investment decisions or the investment decisions of their duly authorized representative or agent. Consequently, any customer of Retired.com agrees that, unless otherwise agreed to in writing, neither Retired.com nor any of its employees, agents, principals or representatives (i) provide investment advice in connection with a customer account; (ii) recommend any purchase or sale; (iii) solicit orders; (iv) make discretionary transactions; or (v) produce or provide research. To the extent research materials or similar information is available through Retired.com, these materials are intended for informational and educational purposes only and they do not constitute a recommendation to enter into any securities transactions or to engage in any particular investment strategies.
Retired.com acts as a directed custodian for self-directed retirement accounts that hold precious metals. This means Retired.com processes transactions only as instructed by the account holder and performs administrative, custody, and reporting functions required under federal law.
Retired.com does not act as a metals dealer, broker, sponsor, or investment advisor, and Retired.com has no affiliation, partnership, referral arrangement, or financial relationship with any precious metals dealer or salesperson.
1. NO RELATIONSHIP WITH PRECIOUS METALS DEALERS
Retired.com does not: recommend or endorse any precious metals dealer; vet, approve, monitor, or supervise any dealer; negotiate pricing, premiums, commissions, or spreads; or verify the legitimacy, licensing, or business practices of any dealer.
The selection of a precious metals dealer is made solely by the account holder. Any representations made by a dealer are not reviewed, verified, or confirmed by Retired.com.
If a dealer suggests or implies that Retired.com has approved, vetted, partnered with, or oversees that dealer, that statement is incorrect.
2. NO RESPONSIBILITY FOR METAL DELIVERY OR DEALER PERFORMANCE
Retired.com does not guarantee or oversee the delivery of precious metals by any dealer.
Specifically:
Retired.com does not track shipment status from the dealer
Retired.com does not confirm when metals leave a dealer’s possession
Retired.com does not intervene in dealer delays, disputes, or failures
Retired.com does not ensure that metals are delivered timely or at all
Retired.com’s role is limited to processing the account holder’s Direction of Investment and releasing funds from the IRA as instructed.
Once funds are released pursuant to a valid Direction of Investment, any delivery obligation rests entirely with the dealer selected by the account holder, not with Retired.com.
3. DEPOSITORY RECEIPT AND SYSTEM UPDATES
Retired.com updates asset status only after receiving confirmation from the approved depository that metals have been received and credited to the IRA.
Until the depository confirms receipt:
Retired.com cannot reflect the metals as held assets
Retired.com cannot reconcile the transaction as completed
Retired.com does not assume custody of the metals
Retired.com does not reconcile or update holdings based on dealer assurances, shipping notices, or invoices. Depository confirmation is the controlling event for custodial recordkeeping.
4. ACCOUNT HOLDER RESPONSIBILITIES FOR PRECIOUS METALS INVESTMENTS
By directing a precious metals transaction, the account holder acknowledges that they are solely responsible for:
Selecting the precious metals dealer
Conducting due diligence on the dealer
Negotiating pricing, premiums, and fees
Understanding price spreads and liquidity risks
Confirming shipment timelines and delivery terms
Addressing disputes or delivery issues directly with the dealer
Retired.com bears no responsibility for losses, delays, misrepresentations, or failures arising from dealer conduct or transaction execution.
5. VALUATION AND REPORTING
For reporting purposes, Retired.com reflects precious metals values on account statements using market data received from third-party sources used by depositories that store your precious metals. Market prices fluctuate due to supply and demand, global economic conditions, monetary policy, and other factors that influence precious metals markets.
Retired.com does not independently appraise or price precious metals held in custody.
7. STORAGE AND DELIVERY OF PRECIOUS METALS
All precious metals are stored at a specialized depository. A fee is charged for storage based on the calendar year. The full annual fee is billed monthly. Dealers deliver directly to the depository which issues formal advice of its receipt. Retired.com relies on the accuracy of advice by the depository. Shipping fees are set by the dealer and passed through to the account holder.
IMPORTANT
The above summary is not a complete list of the risks and other important disclosures involved in holding precious metals in a self-directed IRA. There may be additional risks that we have not foreseen or identified. For a more comprehensive understanding, review all governing documents, including our Terms of Service and Customer Transaction Disclosure, and stay informed about the latest terms and policies. Significant changes in our terms, fee structures, or regulations will be communicated through our official channels.
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