"Hi, Becca. You helped us start a precious metals IRA a few years back. I’m so glad we bought when we did! When it comes time to withdraw our funds, how difficult will it be? Is there a possibility/situation of not being able to sell to make our retirement withdrawals? Will gold buyers give us what it’s worth? We are so grateful for SJP because we trust a company so committed to the Catholic faith! God bless, Stacy"

Dear Stacy,

Thank you for your kind words and for trusting St. Joseph Partners with your precious metals IRA. We truly value your support and are so glad you’re seeing the benefits of your investment!

First off, great job on setting up your precious metals IRA when you did! Timing really is everything, and it sounds like you made a smart move. It’s always rewarding to see the benefits of planning ahead.

For my readers who may not have set one up yet—don’t worry! Today is still a great time to buy and roll over into a precious metals IRA. Stacy made a smart move a few years ago, but that doesn’t mean the boat has sailed! In fact, now more than ever, it’s important to get some of your hard-earned savings out of the dollar and into something more stable.

Now, when it comes time to withdraw your funds, I know the idea might conjure up images of battling mountains of paperwork or feeling like you’re trying to crack the Da Vinci Code. But don’t worry—it's way easier than that! We totally get it—retirement paperwork can feel like deciphering a secret language. That’s why we’re here to help with every single form and process, making sure it’s all done right without the headache.

You asked a great question about whether you might ever get stuck with your metals, unable to sell. It’s totally fair to wonder about that—no one wants to be left holding the (gold) bag! While I can’t guarantee future market conditions, I want to reassure you that historically, there has always been demand for gold, and we work to make the process as smooth as possible when it comes time to make your retirement withdrawals.

At St. Joseph Partners, we are committed to transparency when it comes to our purchase prices. We don’t add hidden fees or charges, and we offer fair market value based on current conditions. Additionally, we regularly assist clients with distributions from IRAs, even if they originally purchased their metals from another broker.

I know—it can feel like the precious metals world is a bit of a maze sometimes, with more obstacles than answers. It’s enough to make anyone’s head spin! But let me share a quick story to show you how we’re different.

Recently, we helped a retired couple who had purchased metals from another broker years ago. Unfortunately, that broker went out of business, and when the couple needed to take their Required Minimum Distribution (RMD), they were at a loss. The custodian managing their IRA assumed they wanted to sell their metals and kept pointing them to different metals brokers. But none would help because the couple didn’t want to sell—they just wanted to take their metals as a distribution. Other brokers didn’t want to touch it because there wasn’t a payday in it for them. Classic, right?

Finally, after what felt like a wild goose chase, the custodian pointed them our way. We didn’t hesitate to roll up our sleeves and get to work—even though there wasn’t a cent to be made on it. We helped them with the paperwork, and they were finally able to take their distribution. They were so grateful that someone took the time to understand their needs and support them. Since then, they have come back to us more than once for assistance and have been glowing in their appreciation for our help. They have even introduced family members to us, trusting that we would provide the same level of care and support.

This isn’t about giving ourselves a gold star—it’s about showing you that we actually practice what we preach. We’re all about walking the walk, not just talking the talk. We’re here not just to sell metals but to support you throughout your journey, even when other companies might not see it as worthwhile. While we can’t predict every scenario, we are committed to being there for our clients and assisting them with their precious metals needs.

We believe in helping families and being good stewards of their hard-earned money, especially in an industry where not everyone operates with the same integrity. As a company committed to the Catholic faith, we are guided by biblical principles that call us to serve others with honesty and compassion. Every day, we strive to support families and individuals in making wise financial decisions that reflect good stewardship and long-term security. It’s not just about business—it’s about doing the right thing and being there for those who trust us.

And when it’s time to sell your metals, don’t just settle for the first offer that comes your way. I always recommend getting quotes from a few reputable dealers—because who doesn’t love a good comparison shop? Make sure to ask for the spot price they are quoting from and any fees they might charge. You want a clear, “out-the-door” price to avoid unexpected costs. Some dealers may quote a seemingly attractive price but then tack on extra fees, so always double-check.

And if you currently have a qualified retirement plan and aren’t sure whether you can convert it to a precious metals IRA, don’t worry! I’m happy to discuss how it works and answer any questions you have.

Thank you, Stacy, for such a thoughtful and important question! I really appreciate you taking the time to reach out and share your thoughts.

Have a question for a future Ask Becca? Send it my way at info@stjosephpartners.com—I’d love to hear from you!

Here’s to asking questions, learning something new, and making your financial journey feel just a bit more grounded. So, let’s get started.

Looking forward to hearing from you!

- Becca

Past performance is not indicative of future results.