IRA ◊ 401K Rollover ◊ Inheritance Rollover

“Protection and Preservation for the 21st century”

Cornerstone Asset Metals understands the challenges investors face in funding retirement savings in today’s unstable market.  That’s why Cornerstone Asset Metals offers the gold/silver and other precious metals IRAs, backed by real physical, tangible hard assets, not paper investments.

With fluctuating paper-dominated assets funding the majority of individual retirement accounts and the potential shortfall in Social Security, a well-diversified retirement plan should include precious metals; one of the few assets that have demonstrated the ability to retain value when other investments may fall short.  The positive performance of precious metals will help your portfolio hold its value and will provide support to you when your time comes to retire. Remember, real money is defined as a store of value over time. Gold and silver is real money, all throughout history since Lydia 600 B.C., all paper fiat currencies have gone to zero. Each cyclically lasting 40 years, and the dollar is now approaching 45 years! … so the time is near.

Most individuals saving for retirement most likely qualify for a precious metals IRA, but are unaware this choice even exists.  Since 1986, the IRS has allowed individuals to hold precious metals with their IRA, offering a unique hedge against stock market volatility and decline.  Common types of retirement plans that may qualify include Traditional and Roth IRAs, SEP IRAs, 401Ks and 403Bs.

1.     Add gold/silver to your current IRA or let us guide you in creating a new one

You will need to have the right kind of IRA, since the Internal Revenue Service (IRS) has designated certain types of IRAs as appropriate for holding gold and silver bullion and other precious metals.  These ‘self-directed’ IRAs allow you to have more control over your investment choices and are easy to establish and administer.

2.     Instruct your IRA to buy gold/silver bullion or other precious metals from Cornerstone Asset Metals

Once you have selected an existing IRA or established a new one in which you would like gold or silver bullion to be deposited, your Cornerstone Asset Metals Account Executive will help you determine what to buy and how much.  You will then complete a form authorizing your IRA custodian to buy the gold or silver bullion or other precious metals to deposit in your account.

Add gold/silver bullion to your current IRA or let us guide you in creating a new one

If you plan to invest in gold/silver or other precious metals, the first thing you must do is establish a Self-Directed IRA, if you do not already have one.  This is an IRA for which you make all the investment decisions. You choose where your IRA funds will be invested, instead of relying on others to do it for you.  You can also make the determination on the type of Self-Directed IRA you would like; the new account can be a Traditional IRA, a Roth IRA, or one of several other types.

If you have an existing IRA, you can transfer it, roll it over to a precious metals IRA, or just keep it where it is.  If you do have an existing IRA, consult with your IRA custodian first to ensure you can add gold/silver bullion to your current IRA. Not every plan has this capability.  If your plan does not allow you to contribute gold bullion to your current IRA, you’ll have to open a new account with an authorized custodian.

Download and print the following forms:

For a Traditional or Roth IRA: Click here

For a SEP IRA: Click here


Complete and sign the application.

» Fax or mail the appropriate IRA forms:

All forms and IRA contributions should be sent directly to the Cornerstone Asset Metals Administration for review.

To send by mail:


820 W Indiantown Rd Ste 103

Jupiter FL 33458

FAX: (888) 747-3309

» Fund your IRA with transfer, rollover or regular contributions

You fund your IRA primarily with cash, but it can also be funded through contributions, rollover contributions, IRA to IRA transfers, direct rollovers from a Qualified Plan (401k Profit Sharing, Pension Plan, 403b, Thrift Savings Plan, etc.), Roth conversions and more.

» Wait for funds to arrive

Once your account is open and funded, GoldStar Trust Company will notify Cornerstone Asset Metals so that a representative can advise you on the precious metals to direct to your account. Once a decision has been made, Cornerstone will work with GoldStar Trust Company to get the directed metals minted or acquired and shipped to the depository.


 Instruct your IRA to buy gold/silver bullion or other precious metals from Cornerstone Asset Metals

» Consult with Cornerstone Asset Metals for investment recommendations

Your CAM account executive will make recommendations to help you decide what percentage of your IRA investment portfolio should be invested in gold/silver bullion or other precious metals. Your account executive will also help you choose which precious metals would be best for your portfolio diversification and security.

 » Receive your purchase confirmation

Once your gold/silver bullion or other precious metals have been secured from Cornerstone Asset Metals by GoldStar Trust Company, you will receive a confirmation showing which items have been purchased and are now in your IRA. GoldStar Trust Company offers 24/7 online access to your account.


Get started today with a little help from Cornerstone Asset Metals. Call 888-747-3309 now to talk with IRA specialists who can help you through the process of investing in a gold and silver bullion-backed IRA.

Gold/Silver IRA: Questions & Answers

Answers to questions about IRA investments in gold and other precious metals

Whether you are new to the world of investing or an experienced investor interested in learning more about gold and precious metal IRAs, you will find valuable information here.



What is an IRA?

An Individual Retirement Account (IRA) is a retirement savings plan which provides some tax advantages to the individual, like tax-deferred or tax-free growth of any earnings.  Because there are a number of different types of IRAs, the age for withdrawal, contribution limits and other important factors vary by type. IRAs can be used as a supplement to a 401(k) account or as an integral part of an investment portfolio.


Can a person have more than one IRA?

While there is no limit on the number of IRAs you can have, there is a maximum deferred annual contribution of $4,000.  This is a total per individual, whether you contribute to one IRA or several.


How can an investment in precious metals be made through an Individual Retirement Account?

An investor with a self-directed IRA may direct that some of the funds in the IRA be invested in precious metals. IRA investments may include any gold, silver and platinum coins and gold, silver, platinum, and palladium bullion, which meet the refinement requirements of bullion traded through commodities contracts.


What is a Self-Directed IRA?

A Self-directed IRA is exactly like any other IRA, with one major difference. You choose where your IRA funds will be invested, rather than just accepting whatever the IRA Trustee or Custodian decides. This gives you greater flexibility, because you can choose precious metals, stocks, bonds, CDs, mutual funds, government obligations, and other investments.


What is a traditional or Roth IRA?

Your tax or financial advisor can help you determine what type of IRA would best benefit you.  Here is a basic overview of the traditional IRA versus the Roth IRA.  Basically, anyone who has earned income can contribute to an IRA each year.  The maximum contribution amount will increase from $3,000 to $5,000 by 2010, with another $500 to $1,000 allowed for those 50 and over.

Depending on your income, marital status, and participation in employer plans, your contribution to a traditional IRA may be deductible.  A traditional IRA helps reduce your yearly tax liability, as what you contribute to an IRA each year is deducted from your total income, so you are not taxed on it.  You can contribute up to $5,000 each year (total for all IRAs, even if you have multiple accounts).  However, if you choose to withdraw your money before age of 59 ½, you will have to pay taxes and penalties.  The only exception to this is if you are withdrawing the money for purchasing a house or to cover approved higher education costs – taking your money out for these reasons will allow the penalty to be waived, although you will still pay tax on the amount.

With a Roth IRA, you don’t get a tax deduction on contributions, but at retirement, qualified distributions from the account are completely tax free.  You are not required to begin taking withdrawals from Roth IRAs after age 70-½.  Not everyone qualifies for a Roth IRA – you must have earned a modified adjusted gross income of no more than $116,000 for a single taxpayer or no more than $159,000 for a married couple filing jointly.


Can I transfer or rollover my existing IRA?

Money in an existing IRA can be moved to a precious metals IRA by transfer or rollover, which does not necessitate reporting to the IRS.  You can transfer funds as often as you like, without restrictions.  You simply open an IRA and authorize the transfer.  Your new IRA custodian will contact the previous institution and take care of getting the funds moved.  IRA rollovers require reporting to the IRS and there are time limits and other restrictions.  You should always seek competent tax advice before taking a distribution for rollover.


How quickly can I expect my IRA to be rolled over into gold or silver?

The amount of time it takes to complete the process can vary.  Rest assured that your CAM representative will be working with your IRA custodian to expedite your transfer or rollover.


Are gold and silver the only assets that I can hold in my IRA?

Because your precious metal IRA is self-directed and allows you control over your funds allocation, you make the choice of what assets are in your IRA. You can select stocks, money market accounts, bonds, mutual funds, and more.


Is it possible to open a new IRA with cash?

You can certainly fund your new IRA with cash, but you should be aware that you will only get tax benefits on the first $5,000/$6,000 for age 50 or older (maximum annual contribution).


How much does a typical IRA investor invest in precious metals?

Investments of $10,000 to $20,000 are fairly common, with the amount invested in precious metals sometimes reaching $100,000 or more.  Keep in mind that though the yearly maximum contribution is $5,000/$6,000 for age 50 or older, many investors have accrued a substantial amount in their accounts over time.


Why should I choose GoldStar Trust Company as my IRA custodian?

The choice of your IRA custodian is an important one.  When considering adding precious metals to your IRA, selecting a company with solid precious metals experience is key. GoldStar Trust Company is a leading custodian for precious metals IRAs in the United States.  Their experience and expertise in this area make it easy for you to work with them to open your precious metals IRA.


What happens to my gold or other precious metals?

Once you choose a precious metals IRA, your gold or other precious metals will be securely stored at an already designated specialized precious metals depository.  While your precious metals will be safely stored, this facility will allow for easy access to your metals should you choose to have them physically delivered.

Please note, though, if you actually take possession of your precious metals, you’ll likely face penalties and taxes because it counts as a distribution.


How safe are my precious metals?

Precious metals IRA assets are deposited with Delaware Depository Service Company (DDSC), an exchange approved precious metals custody and distribution center licensed by NYMEX, COMEX, and CBOT.  That means you can feel confident that they are safe and secure.  In the highly unlikely event that anything should happen to DDSC or GoldStar Trust Company, your gold or other precious metals are yours and will always be yours, unless you elect to sell these assets or a personal lien is placed against you. In addition, many Cornerstone Mint products are authorized for use in IRAs and are ISO-9000-2008 certified, poured and derived from an LBMA approved refinery.


Can I take custody of IRA assets?

While you may take a distribution of assets in your IRA, you cannot physically take custody of your silver or other assets.  These assets must remain with GoldStar Trust Company. Should you take a distribution, however, this must be reported to the IRS.


How long will it take to receive my distribution funds?

**Selling Procedure:

After your distribution request is submitted to the custodian, you are required to contact us to execute the sale of your metals. After the transaction has been executed, it is then your custodian’s responsibility to transfer the metals from your IRA account to Cornerstone’s account within the depository. We cannot do anything until this step is complete. Once we receive the metals to our account and verify the quantity and coding, we then arrange for immediate delivery to the refinery for the metals to be processed. When the metals have been processed through the refinery, they will then release the funds to Cornerstone, which then allows us to release the funds to your custodian. Each step requires the number of ounces to be calculated before moving onto the next step; this process could take up to 6 weeks.


What is the difference between a custodian and a trustee?

The differences between a “custodian” and a “trustee” are minor.  A trust is a legal entity under which assets are actually owned and held on behalf of a beneficiary.  The trustee has some level of discretionary fiduciary authority over the assets of the fund.  The trustee must exercise that authority in the best interests of the beneficiary.  A custodial arrangement, on the other hand, is like a trust, but the custodian simply holds the assets on behalf of the owner of the assets.  Other than holding the assets and doing as the owner orders, the custodian has no fiduciary obligations to the owner.  The determination of what constitutes a trust or custodial arrangement is a determination made under state law.


What type of gold or silver can be held in my IRA?

According to law, all gold bullion bars with a minimum pureness of 0.995% fineness and NYMEX- or COMEX- approved refiner/assayer hallmark can be added to an IRA, but only select gold bullion coins.

The United States government currently allows Gold American Eagles and Gold proof American Eagles in IRAs.  Other gold coins allowed to be put into an IRA include the American Buffalo, Canadian Gold Maple Leaf, and Australian Gold Nugget.

Gold bars are ideal for IRAs, as they sell at smaller premiums than gold coins.  Although the regulations that govern gold contributions to IRAs call for a minimum purity of only 0.995%, most gold bullion bars are 0.9999% pure.


What are the fees for establishing a Self-directed gold or silver IRA?

The GoldStar Trust fee schedule and financial disclosures can be found here 



Questions about putting gold or precious metals into your IRA? Call Cornerstone Asset Metals at 888-747-3309.  We have the answers!

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