Education, not advice.

Not personal advice

Content on this site, including guides, examples, quizzes, and calculators, is for general educational purposes only. It is not financial, investment, tax, legal, or retirement-planning advice, and it is not an offer or solicitation to buy or sell any security, precious metal, insurance, or other product.

Who we are not

Heirloom Money is not a registered investment adviser, broker-dealer, insurance agency, tax preparer, law firm, IRA custodian, or precious-metals dealer, and does not act as a fiduciary to readers. We do not manage money or execute transactions.

Investing involves risk

All investments carry risk, including the possible loss of principal. Past performance does not guarantee future results. Precious metals in particular:

• can rise and fall sharply in price, sometimes for years at a time;
• pay no interest or dividends;
• involve dealer markups, storage, custodian, and selling costs that reduce returns; and
• may take time and cost money to sell or distribute from an IRA.

Taxes and rules

Tax rules, contribution limits, and distribution rules change and depend on individual circumstances. Our explanations are general. Confirm the rules that apply to you with the IRS, your plan administrator, or a qualified tax professional.

Calculators

Calculator results are estimates based on your inputs and stated assumptions. They are not guarantees and may differ from actual results.

Get professional help

Before making decisions about your retirement savings, consider speaking with a fee-only fiduciary financial planner or a CPA. You can check the background of financial professionals at FINRA BrokerCheck and the SEC's Investment Adviser Public Disclosure site.

Affiliate relationships

We may be paid by companies mentioned on this site. See our advertiser disclosure for how that works and what it does not change.