Lear Capital

Summary

Lear Capital is a U.S. precious-metals dealer. People come to firms like this to buy gold or silver outright or to move retirement money into a self-directed IRA that holds IRS-eligible metal. The IRA version still needs a custodian and a depository. Lear is the dealer in that chain, not the IRS and not your advisor.

A conversation with a dealer should cover product (what coin or bar), price (spot plus their spread or markup), process (how a rollover is initiated), and after-costs (custodian and storage). If any of those are vague, pause. Retirement transfers are slow to unwind and easy to rush.

We list Lear Capital because it is a paid partner in our commercial order, not because we assigned it a score. Do not treat this page as research on returns. Precious metals can drop. Fees still come due when prices are down.

Pros

• Dealer channel for both IRA and non-IRA metal purchases
• Rollover conversations are part of the category they operate in
• You can verify details on their site; our page is only an advertised entry point

Cons

• Paid placement: we may earn a commission if you buy
• Spreads, markups, custodian fees, and storage costs are part of the real price
• No guarantee of buyback at spot
• Not FDIC-insured; not a performance ranking

Facts