United Gold Group Fees Explained

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What the public United Gold Group IRA page shows about fees

The Open a Gold IRA page on unitedgoldgroup.com describes a rollover flow. The reader speaks with a specialist, transfers funds from an existing IRA or 401(k) without a taxable event, selects gold, silver, or platinum, and ships the metal to storage. The page frames four benefits: tax deferment, diversification, physical assets, and protection against inflation. It prints no dollar figures anywhere in that flow (per unitedgoldgroup.com Open a Gold IRA page, checked August 2026).

The page names two depository partners in one line. Its exact wording: "our precious metals can be securely stored at one of various IRA approved vaults across the country, including the DDSC in Delaware and various Brinks depository vaults." It follows with the phrase "Multiple Locations, call for more details," which pushes any storage venue detail back to a phone conversation.

The page ends with a disclaimer that reads, in part, "we are precious metals specialist, we are not licensed financial advisors and do not give financial advice." A specialist phone line, (800) 753-8534, sits under a "SPEAK WITH A SPECIALIST" heading. That is the entire fee disclosure surface for the IRA channel as of August 2026.

For a Texas reader trying to estimate a five year total cost of ownership from public information alone, that is not enough. Every dollar figure that governs a rollover has to come from a phone or email quote with the specialist and the paired custodian named at the end of the intake call.

The four IRA cost lines the public page leaves blank

A retail gold IRA typically carries four annualized cost lines, plus the dealer spread on the first coin purchase. Each line matters more or less depending on the account size and the holding period. On United Gold Group's public site, four of the five are absent as of August 2026, and the fifth is partly named.

Non disclosure of a fee schedule is not, on its own, a compliance flag. Many small dealers keep IRA fee schedules off the public page because the paired custodian sets a share of the cost and the schedule updates annually. It does mean the reader cannot compare United Gold Group to a competitor that publishes numbers, without first obtaining a written quote for each of the seven lines above.

The one item United Gold Group does name publicly: the depository partners

The Open a Gold IRA page prints one specific vault name and one broader partner brand. The first is DDSC, the Delaware Depository Service Company, headquartered in Wilmington, Delaware. The second is Brinks, referenced generically as "various Brinks depository vaults" (per unitedgoldgroup.com Open a Gold IRA page, August 2026).

Delaware Depository is one of the most commonly used IRS approved private depositories in the gold IRA channel. It stores metal for a large number of self directed IRA custodians and publishes storage rates on its own site. Brinks Global Services runs a multi city network of secure vaults, with the Salt Lake City, New York, and Los Angeles sites appearing most often on gold IRA custodian rate cards.

What the page does not disclose: which Brinks vault a Texas account would default to, whether segregated storage is available at either DDSC or the Brinks partner site, and the annual storage rate at each. Those three items sit inside the paired custodian's fee schedule and the reader has to obtain them separately.

What is also not stated: any partnership with the state run Texas Bullion Depository in Leander, Texas. A Texas reader who wants Leander vault custody on state preference will not obtain that option from United Gold Group's public site.

Fee disclosure scorecard at a glance

How to model a United Gold Group IRA cost when the numbers are not published

Two paths work when a dealer does not print an IRA fee schedule. The first path is to obtain every figure in writing from the phone specialist before signing anything, then model the account with those figures. The second path is to bracket the account using industry typical bands, then confirm or reject those bands during the intake call.

Industry typical bands, drawn from public IRA fee pages of gold IRA specialists that do print schedules, sit inside a narrow range. Setup fees at the paired trust company usually land between 50 and 100 dollars, one time. Annual account maintenance usually runs 100 to 300 dollars.

Annual storage and insurance at a large IRS approved depository typically runs 100 to 250 dollars for commingled storage. Segregated storage carries a premium above that, commonly 25 to 100 dollars per year higher. Dealer spread on common American Gold Eagles typically sits between 3 and 8 percent above spot, though numismatic or proof coins can carry premiums above 20 percent.

Combined, a five year fixed cost of ownership on a rollover commonly lands between 1,250 and 3,000 dollars in flat annual account fees, before any dealer spread on the coin purchases themselves. On a 50,000 dollar starting balance, that fixed cost is roughly 2.5 to 6 percent of the account over five years.

Dealer spread on the first coin purchase, at the middle of the industry band, can add another 5 to 6 percent to the year one cost. None of those figures are printed by United Gold Group. They are placeholders a Texas reader can use to sanity check whatever the phone specialist quotes.

The Texas reader must also ask a straightforward question: does the paired custodian charge a flat fee, or a percentage of assets? A flat fee helps a large account, since the fee stays constant while the balance grows. A percentage of assets fee helps a small account, since the fee falls as the balance falls. Both structures exist among IRS approved non bank trustees.

Worked example: a 50,000 dollar Texas rollover with four unknowns

How to obtain the missing fee schedule before you wire

The steps below match the vetting checklist we apply to every gold IRA dealer that does not publish a full fee schedule. Each step is a written request a Texas reader can complete in a single phone call, plus a follow up email, before any wire is authorized. Take them in order.

1. Ask the specialist to name the specific chartered trust company that will hold your IRA account. Verify the institution appears on the IRS list of approved non bank trustees, or is a chartered bank, insured credit union, or state trust company under 26 United States Code section 408(a)(2). Ask that the name be confirmed in a follow up email.
2. Request the paired custodian's current fee schedule in writing. Ask for the one time setup fee, the annual account maintenance fee, any wire or transfer fee, and any account closure fee. Ask whether the schedule differs by account size or by rollover source type.
3. Ask which specific depository will hold your metal. Confirm whether it is Delaware Depository Service Company in Wilmington, a specific Brinks vault (Salt Lake City, Los Angeles, or New York), or another named venue. Ask for the annual storage and insurance fee for that site.
4. Ask whether the storage fee quoted is for commingled or segregated storage. Segregated storage keeps your coins physically separate and commonly carries a premium of 25 to 100 dollars per year above the commingled rate at large depositories.
5. Ask the sales specialist for the current dealer spread on the specific coin or bar you intend to buy inside the IRA. Have the spread quoted as a percentage of the spot price, not just as a total dollar amount, so you can compare against retail spot prices posted on the same day at a large national bullion dealer.
6. Ask whether the paired custodian charges a flat annual fee or a percentage of assets fee. Small accounts pay less under a percentage fee. Large accounts pay less under a flat fee. That structure is the single biggest cost variable over 10 or 20 years.
7. Request a written buyback policy. Ask whether United Gold Group publishes a price at which it will repurchase common bullion coins from the account and, if so, how that price relates to the current spot bid. A round trip cost estimate needs both a buy spread and a sell spread.
8. Confirm the paired custodian applies a hard dollar minimum, if any, on rollovers or transfers. United Gold Group does not print an IRA minimum on the public site. The paired custodian may still apply one at the account level.

The Texas storage question: no printed Texas Bullion Depository partnership

The Texas Bullion Depository in Leander is the only state administered and state audited precious metals depository in the United States, per texasbulliondepository.gov. It has stored precious metals for account holders since 2018, operated for the Texas Comptroller of Public Accounts by Lone Star Tangible Assets under Texas House Bill 483 from the 2015 legislative session.

United Gold Group does not print a Texas Bullion Depository partnership on its public site as of August 2026. Its published depository partners are DDSC in Delaware and various Brinks vaults. United Gold Group is not published among the depositor partners the state depository lists at texasbulliondepository.gov.

Practical implications are twofold. The first is fee relevant: the storage fee for a United Gold Group IRA will apply at whichever venue the paired custodian selects. The Texas specific fee schedule at Leander will not apply. The second is geographic: the metal will physically sit outside Texas, at either the Delaware or the assigned Brinks site.

Texas has no state personal income tax on wages or investment income, as stated by the Texas Comptroller of Public Accounts. That is true regardless of where the metal physically sits, so the storage decision is not a state tax decision. The state tax advantage a Texas retiree already has at distribution is unchanged by the storage venue.

Five year fixed fee scenarios on a 50,000 dollar Texas rollover

The scenarios above use flat annual fee assumptions of 250, 425, and 600 dollars, drawn from public IRA fee schedules of larger gold IRA specialists that publish numbers. On a 50,000 dollar rollover held for five years, a low band 250 dollars per year compounds into a fixed 1,250 dollar draw, or 2.5 percent of the starting balance.

A mid band 425 dollars per year compounds into a 2,125 dollar draw, or 4.25 percent of the starting balance over five years. A high band 600 dollars per year compounds into a 3,000 dollar draw, or 6 percent of the starting balance.

None of those bands is a United Gold Group quote. They are scenario tools a Texas reader can use to challenge whatever the phone specialist quotes. A specialist figure that sits inside the low band should be confirmed in writing. A specialist figure that sits above the high band should be explained line by line in writing, and compared to the schedules published by dealers that print their numbers.

Estimate the fee drag on your own rollover with our neutral calculator:

Regulatory footprint check: SEC EDGAR and CFTC

Two public regulator databases give a first pass check on any gold IRA dealer. The SEC EDGAR full text search covers securities filings for the trailing decade. The CFTC Press Room lists enforcement actions in the commodities space. Neither is a fee data source, but both help pressure test whether a dealer has an unresolved securities or commodities matter that would color a fee negotiation.

A full text search on the exact phrase United Gold Group in EDGAR returned zero filings over the trailing decade, per efts.sec.gov, checked August 2026. A search on the same phrase in the CFTC Press Room returned no results, per cftc.gov, August 2026. Retail bullion sales generally do not require SEC registration, and physical delivery bullion sales generally do not fall under CFTC leveraged futures rules, so a zero result is consistent with the business model.

What a zero result does not do is confirm a clean record. It only confirms that neither of those two public databases has captured a matter under the exact corporate name. To verify the current BBB letter grade, complaint counts, and accreditation date, open the BBB profile page directly in a browser. Automated fetches to bbb.org returned an HTTP 403 anti automation response on our August 2026 check.

When United Gold Group fee opacity is a bad fit for you

Frequently asked questions

Sources

Harry's Coins Editorial. Last reviewed August 2026.