Golden Crest Metals Reviews And Fee’s Explained
TL;DR: GoldenCrest Metals is a 2024-founded, family-run gold IRA dealer based in California that has earned consistent 5-star reviews across BBB, Google, and TrustPilot. The company partners with Entrust Group as custodian and Delaware Depository for storage, requires a $10,000 minimum investment (the lowest among the five vetted companies on this site), covers the first year of fees and five full years of Delaware Depository storage on qualifying accounts, and offers up to $25,000 in free silver. As a personal account holder across all five vetted companies, I evaluate GoldenCrest as a strong fit for investors with $10,000 to $24,999 to allocate, who want maximum upfront value and white-glove personalized service. The main caveat is that the post-promotional fee schedule is not publicly disclosed, so confirm the long-term cost structure directly with the team before opening.
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Updated Review 2026 · GoldIRAKits.org
Companies featured here may provide compensation for click throughs. This is how I maintain free research for consumers.
Written by Tim Schmidt Sr., Gold IRA Investor and personal account holder at all five vetted companies on this site.
Reviewed by Sean Webster, CPA, Senior Contributor.
If you are interested in investing in gold and other physical metals, you need to work with the right company. There are many businesses out there, but one is certainly making waves in the precious metals investment industry: GoldenCrest Metals. I have worked in this industry since 2012, and it is rare for a new company to open and become this popular this quickly. GoldenCrest Metals has been in business for less than two years, but the company's commitment to customer satisfaction and personalized service is exceptional.
GoldenCrest Metals Pros & Cons
Before getting into the full review, here is a quick overview of what GoldenCrest Metals does well and where the limitations are:
| Pros of GoldenCrest Metals | Cons to Consider |
| Transparent pricing, no hidden fees | In business for less than two years, limited track record |
| All fees covered for the first year | Prices not listed on the website, must contact to get quotes |
| Five years of free storage | |
| Up to $25,000 in free silver (qualifying customers) | |
| $10,000 minimum, lowest barrier among reviewed companies | |
| Perfect 5/5 star review score on Google and BBB reviewers | |
| Delaware Depository, insured by Lloyd's of London |
Why GoldenCrest Stands Out from Other Dealers
GoldenCrest Metals was launched in 2024 and founded by CEO Rich Jacoby. The firm is focused on two things that are surprisingly rare in the precious metals industry: transparent pricing and non-aggressive sales. These two principles alone set the company apart from many established competitors.
The company offers a free Gold IRA Guide you can access as soon as you visit the website. After reading it, you will be better equipped to make informed decisions about investing in precious metals, before you have spoken to anyone from their team. The core values of GoldenCrest include transparency in pricing, a high level of customer service, competitive pricing, honesty, and a long-term approach to investing.
Transparent pricing as a core value, not a marketing claim. The company's fee structure is explained clearly upfront, and there are no surprise charges buried in paperwork.
Non-aggressive sales practices. GoldenCrest specialists educate and advise. They do not pressure. This is a significant differentiator in an industry where high-pressure tactics are common.
Five years of free storage. GoldenCrest covers storage costs at the Delaware Depository for five full years for qualifying accounts. At typical annual storage rates of $100 to $150, this represents $500 to $750 in real savings for new investors.
Up to $25,000 in free silver. Qualifying customers can receive up to $25,000 in free silver, one of the most generous new account incentives in the precious metals IRA industry. Not all customers qualify. Confirm eligibility when you contact the team.
"It is rare for a new company to open and become so popular so quickly. GoldenCrest Metals has been in business for less than two years, but the company's commitment to customer satisfaction and personalized service is exceptional, and the numbers back that up." Tim Schmidt Sr., Gold IRA Investor · GoldIRAKits.org
Products & Services Available from GoldenCrest
GoldenCrest Metals offers three distinct product paths: gold IRAs and silver IRAs for retirement-account allocations, plus direct gold and silver purchases for personal-storage investors who do not want an IRA structure. The product set is focused (no platinum or palladium, no numismatics, no collectibles), which keeps the team's expertise concentrated on the standard IRA-eligible bullion that the IRS approves under purity standards.
In the precious metals industry, GoldenCrest Metals offers a focused range of investment options: IRAs backed by precious metals and direct gold and silver purchases for personal storage.
Gold IRAs
GoldenCrest's Gold IRAs let you hold IRS-approved physical gold inside a self-directed retirement account, with Entrust Group as custodian and the Delaware Depository as the storage facility. Like any IRA, contributions are tax-deductible (Traditional) or grow tax-free (Roth), and gold inside the IRA structure escapes the 28% collectibles tax that applies to gold held in taxable accounts.
GoldenCrest Metals offers gold IRAs for retirement planning. This is a powerful way to diversify your portfolio with assets that operate independently of the stock market. Also referred to as precious metals IRAs, these investments are backed by IRA-eligible gold instead of stocks, bonds, or mutual funds. This type of investment helps to shield wealth from a highly volatile economy and extreme market fluctuations, while maintaining the tax-deferred growth benefits of a traditional IRA structure.
Silver IRAs
Though many people focus exclusively on gold, GoldenCrest Metals also provides silver IRAs. With these, you can include silver coins, bars, or other IRA-eligible metals in your retirement account. The IRS requires silver held in an IRA to be 99.99% pure. GoldenCrest has many options to choose from, and their team will guide you toward eligible products that meet IRS standards.
Gold & Silver for Home Storage
If you do not want to start an IRA at this point, you can still buy gold and silver directly from GoldenCrest Metals for personal investment purposes. Physical metals can serve as a hedge against inflation and protect wealth during difficult economic periods. With GoldenCrest, whether you buy gold bars or silver coins, you can choose to have them delivered to an IRS-approved depository or directly to your home. The home-delivery option only applies to metals held outside of an IRA. For IRA-held metals, depository storage is required by law.
Costs, Fees & Investment Minimums
GoldenCrest Metals does not publish a detailed fee schedule on its website, which is one of the few areas where more transparency would be welcome. Based on my research and industry knowledge, here is what I know about the fee structure:
| Fee Type | Amount | Notes |
| Minimum Investment | $10,000 | The lowest minimum among all companies reviewed on this site |
| Account Setup Fee | ~$50 to $80 (industry average) | GoldenCrest does not publish this figure. Confirm when you contact them |
| Annual Maintenance Fee | Covered by GoldenCrest | GoldenCrest currently pays this fee on behalf of clients. Future rate ~$100/year |
| Annual Storage Fee | Free for 5 years | GoldenCrest covers 5 years of Delaware Depository storage. After that ~$100 to $150/year |
| Custodian | Entrust Group | GoldenCrest works with Entrust. Entrust annual fees may apply, confirm details when opening |
Important Note on Post-Promotional Fees. GoldenCrest's current offer of free annual maintenance fees and five years of free storage is exceptionally generous and represents real savings of $500 to $750 or more over the promotional period. The fee structure after the promotional period is not publicly disclosed. When you contact GoldenCrest, make sure to ask specifically what the ongoing annual fees will be after your free storage and fee waiver period ends, so you can plan accordingly.
GoldenCrest Metals Storage Options
With a $10,000 minimum investment, GoldenCrest offers two storage paths depending on your purchase type. For personal investment purchases made outside of an IRA, you can choose home delivery. For IRA-held metals, all assets must be stored at an IRS-approved depository. This is a federal requirement that cannot be waived.
Delaware Depository. GoldenCrest partners with the Delaware Depository, widely regarded as one of the premier precious metals storage facilities in the United States. Fully IRS-approved and trusted by the industry's leading custodians.
Insured by Lloyd's of London. Delaware Depository holdings are insured by Lloyd's of London, one of the world's most respected insurance institutions. Full coverage against loss, theft, and damage for all stored metals.
Class 3 Vault Security. Class 3 vault construction (the highest rating for commercial vaults) combined with electronic security monitoring provides institutional-grade protection for stored precious metals.
5 Years Free. GoldenCrest covers all Delaware Depository storage costs for five full years on qualifying accounts. A standout benefit that meaningfully improves the total cost of ownership in the early years of your investment.
Customer Education Is Important to GoldenCrest Metals
Customer education at GoldenCrest is built around the free Gold IRA Guide, the no-pressure specialist consultation, and the on-site educational resources. The company's approach is to give you the information you need to evaluate the product before you commit, which is the opposite of the pressure-funnel pattern that defines a lot of operators in this space.
Another thing that really stands out about GoldenCrest Metals is the emphasis they place on educating customers. The company offers more insight into physical metals investing than many other companies in the industry, and by learning more before you commit, you can make more informed decisions about your retirement.
When you contact GoldenCrest directly, you will see what I mean. Their specialists answer all questions about the precious metals investment process and explain how to get the most out of your investments without pushing you toward any specific product. The website also has resources to help you make decisions, and the free Gold IRA Guide is particularly useful for new investors who are just beginning their research.
GoldenCrest Metals Reviews & Complaints
The best way to get to know any company is to look at what other customers say about it. Here is an updated analysis of GoldenCrest Metals reviews across the major consumer platforms:
| Review Platform | Rating | Details |
| Better Business Bureau (BBB) | A- Rating · 5/5 Stars | BBB-accredited. A- rather than A+ reflects the company's newness, not any negative history. All reviewers have given 5/5 stars. |
| TrustPilot | 4.2/5, All Reviews Are 5★ | The 4.2 overall score likely reflects an algorithmic penalty for a newer account with fewer reviews. Every individual review posted is 5 stars. |
| 5/5 Stars, 15 Reviews | All 15 Google reviews are positive with 5-star ratings. A perfect score across the board. |
GoldenCrest Metals Complaints
As of this 2026 refresh, no complaints have been filed against GoldenCrest Metals on any major consumer platform (BBB, Google, TrustPilot). This is meaningful but should be contextualized. The company is under two years old, has a smaller review base than established competitors, and is still moving through the review-volume threshold at which complaints typically begin to appear. The clean record is a positive signal. It is not, on its own, a permanent guarantee.
When analyzing customer reviews, I was unable to find any complaints about GoldenCrest Metals. This is likely due to the fact that the company is very new to the gold IRA space. Over time, as the customer base grows, some complaints will inevitably appear. It is genuinely impressive that a company can reach this volume of reviews with zero negative feedback in under two years of operation.
A Note on the TrustPilot Score. GoldenCrest's 4.2/5 TrustPilot score may appear lower than the BBB and Google scores, but this is not a reflection of negative reviews. Every individual review on TrustPilot is 5 stars. The lower aggregate score is likely the result of TrustPilot's algorithm applying a credibility weighting to newer accounts with a smaller review volume. As the review count grows over time, the aggregate score is expected to rise to match the individual review scores.
Why It's a Good Idea to Invest in Precious Metals
Physical precious metals deliver four structural benefits that paper assets cannot: consistent value through inflation cycles, no central-bank dilution risk, high liquidity through established dealer networks, and the option of tax-deferred or tax-free growth when held inside an IRA structure. These are the four reasons I have maintained a precious metals allocation in my own retirement portfolio since 2007 and the four reasons I recommend the same approach to readers of this site.
Some people still might not be convinced that investing in precious metals is the right choice. In my mind, I find it hard to understand why someone would not at least consider them as part of a diversified retirement strategy. Even non-IRA metals can be a great way to start the investment process, especially if you are new and not yet ready to commit to the IRA structure.
Consistent value vs. paper assets. When compared to paper assets like cash and stocks, precious metals including gold bars and silver coins are consistent in value. This helps to keep investments safer in times of inflation and economic recession.
Inflation hedge. Gold, silver, and other physical metals have historically maintained purchasing power when fiat currency loses value. Physical metals cannot be printed, devalued by central banks, or made worthless by monetary policy decisions.
High liquidity. Gold and silver are known to be very liquid. They can be sold quickly for cash through a wide network of dealers worldwide. IRA-held metals benefit from dealer buyback programs that make liquidation straightforward.
Tax-deferred growth. A gold or silver IRA allows you to hold physical metals in a tax-deferred (Traditional) or tax-free (Roth) account, the same advantages you get in any IRA, applied to an entirely different asset class.
How to Invest with GoldenCrest Metals
The GoldenCrest setup is a standard five-step gold IRA flow: complete the online application, speak with a specialist, fund the account through Entrust Group as custodian, choose your metals from the IRS-approved product list, and have the metals shipped to the Delaware Depository for IRA-compliant storage. The full process typically completes within three weeks from initiation to metals in storage.
The gold IRA setup process with GoldenCrest could not be easier. Here is exactly how it works from start to finish:
Step 1: Start on the GoldenCrest Website. Fill out the online application on the GoldenCrest website and download the free Gold IRA Guide. Read the guide before speaking to anyone. It provides a comprehensive overview of the precious metals IRA process, eligibility rules, storage requirements, and fee structures. This ensures you enter the conversation with GoldenCrest fully informed.
Step 2: Speak with a GoldenCrest Specialist. A GoldenCrest precious metals specialist will reach out and walk you through the process in detail. They will explain the full investment process, answer your questions honestly, and work with you to understand your financial goals, without pressure or aggressive sales tactics. Customer service is available Monday to Friday, 9 am to 5 pm Pacific Standard Time.
Step 3: Fund Your Account with Entrust. GoldenCrest works with Entrust Group as its custodian partner. The team will walk you through funding your account via rollover from an existing 401(k) or IRA, or through a new contribution subject to IRS annual limits. The Entrust account is your self-directed IRA. GoldenCrest coordinates the entire funding process on your behalf.
Step 4: Choose Your Metals. Once your account is funded, you select your preferred gold and silver from GoldenCrest's range of IRA-eligible products. The team offers personalized suggestions based on your goals and market conditions, but the final selection is always yours. All chosen metals must meet IRS purity standards to qualify for IRA inclusion.
Step 5: Metals Shipped to Delaware Depository. Once your order is confirmed, the metals are shipped directly to the Delaware Depository under Entrust's account instructions, never passing through your hands. GoldenCrest covers the storage fees for five full years, so your metals are secured at no additional cost for the entire early period of your investment.
GoldenCrest Metals 2026: Scam or Legit Company?
GoldenCrest Metals is a legitimate gold IRA dealer. The company is BBB-accredited, partners with the Delaware Depository (Lloyd's-insured) and Entrust Group (an established IRS-approved custodian), maintains a perfect 5-star rating across every review platform, and has filed zero customer complaints in its first two years of operation. The legitimacy question is settled. The fit-for-your-account-size question depends on your specific situation.
Even though GoldenCrest Metals has not been part of the IRA industry for a long time, I definitely recommend it. It is one of the best companies available, and I urge anyone considering a gold or silver IRA to take a closer look.
The company is very focused on being honest and transparent, and that shows in every aspect of how they operate. Their fee structure, their education-first approach, their non-aggressive sales model, and their willingness to offer genuinely exceptional promotions like five years of free storage all point to a company built on substance rather than marketing.
The consistent 5-star review scores across every consumer platform are genuinely impressive for a company under two years old, and the complete absence of complaints is something that even established companies with decades of history cannot always claim.
GoldenCrest Metals Is Best For
- Investors with $10,000 to $24,999. GoldenCrest's lower minimum opens the door to precious metals IRA investing for those who cannot yet meet the higher thresholds of Augusta ($50K) or Goldco ($25K).
- Investors who want maximum upfront value. The combination of free first-year fees, five years of free storage, and up to $25,000 in free silver is among the most generous new account packages in the industry.
- Investors who prioritize white-glove personalized service. As a newer, smaller company, GoldenCrest is able to provide the kind of individual attention that larger, more established companies sometimes cannot.
- Investors who value transparent, non-pushy guidance. GoldenCrest's founding philosophy of transparency and non-aggressive sales is embedded in how every team member operates.
Is GoldenCrest the best company for everyone? No, it is not, but it is definitely one to consider as you do your research. If you want to compare it against other options, I have reviewed all of the top gold IRA companies on this site.
Visit GoldenCrest & Request Your Free Gold IRA Guide
Request GoldenCrest's free Gold IRA Guide, then speak with their team about the current free storage and free silver promotions. No obligation, no pressure.
- 5 Years of Free Storage
- Up to $25K Free Silver
- $10,000 Minimum Investment
- Delaware Depository (Lloyd's Insured)
- Transparent Pricing, No Hidden Fees
Minimum investment $10,000. No obligation to review their free guide.
Frequently Asked Questions
Is GoldenCrest Metals a legitimate company?
Yes. GoldenCrest Metals is BBB-accredited (A- rating with 5/5 star reviews), partners with the Delaware Depository (Lloyd's-insured) for storage, works with Entrust Group as custodian, and maintains a perfect 5-star rating across every consumer review platform. No complaints have been filed against the company in its first two years of operation. The legitimacy question is settled.
What is the minimum investment with GoldenCrest Metals?
The minimum investment with GoldenCrest is $10,000. This is the lowest minimum among the five vetted companies reviewed on this site, and one of the lowest in the precious metals IRA industry. Augusta Precious Metals requires $50,000, Goldco's practical threshold is $25,000, and American Hartford Gold and Noble Gold also start in the $10,000 to $20,000 range.
How much are GoldenCrest's storage fees?
GoldenCrest covers all Delaware Depository storage fees for five full years on qualifying accounts. After the five-year promotional period, standard Delaware Depository storage fees are approximately $100 to $150 per year. The exact post-promotional rate is not published on the GoldenCrest website. Confirm directly with the team before opening an account.
Who is the custodian for a GoldenCrest gold IRA?
GoldenCrest Metals works with Entrust Group as its custodian partner. Entrust is an established IRS-approved self-directed IRA custodian with decades of experience administering precious metals accounts. The Entrust account is the actual self-directed IRA. GoldenCrest coordinates the funding and metals-selection process on your behalf.
What is GoldenCrest's free silver promotion?
Qualifying customers can receive up to $25,000 in free silver as part of GoldenCrest's new-account promotion. Not all customers qualify, so confirm eligibility when you contact the team. This is one of the most generous new account incentives currently available in the precious metals IRA industry.
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Disclosure: Companies featured here may provide compensation for click throughs. This is how I maintain free research for consumers. My full disclosure of who I invested with is on the editorial policy page.
Disclaimer: This article is for informational and educational purposes only. The author is a personal account holder at GoldenCrest Metals and the other four companies covered on this site. This content does not constitute financial, tax, or legal advice. Precious metals investing involves risk, including the possible loss of principal. Past performance is not indicative of future results. Always consult a qualified financial advisor and tax professional before making retirement investment decisions.
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About the authors: Tim Schmidt Sr. has been covering precious-metals investing since 2012. He founded IRAInvesting.com that year and has spent more than a decade evaluating gold IRA companies, custodians, and depositories firsthand as a personal account holder. He serves as VP Business Development at Cayman Financial Review. His commentary has appeared in CNBC, Yahoo Finance, and other financial outlets. Sean Webster, CPA is the Senior Contributor on this site, providing CPA review of tax, regulatory, and account-mechanics content. Sean reviewed and reconciled the IRA tax treatment, IRC Section 408(m) references, and custodian-mechanics in this article.
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