Introducing the SoundMoney IRA: Retirement, Backed by Real Metal

Sound Money | April 9, 2026

Today we're announcing something we've been quietly working toward for a long time: the SoundMoney IRA. Starting now, you can open a Self-Directed IRA backed by physical gold and silver directly through SoundMoney, or roll over an existing retirement account into one.

If you've been stacking with us for the short term and wondering how to extend that same discipline into your retirement, this is the answer.

---

Why an IRA?

For the past few years, we've focused on making fractional gold and silver ownership simple — low minimums, transparent pricing, and real vaulted metal you can take delivery of whenever you want. That's a powerful tool for building a position over time with everyday dollars.

But retirement money is different. It's the money that needs to last the longest, weather the most volatility, and hold its purchasing power across decades. Historically, that's exactly what physical precious metals are designed to do. Adding an IRA product was the natural next step.

The SoundMoney IRA gives you:

• Tax advantages of a traditional or Roth IRA.
• Tangible, real assets — physical metal stored in an insured depository, not paper promises or derivatives.
• A hedge against inflation with assets that have stood the test of time.
• Personalized service from a dedicated team of IRA specialists.

---

New Accounts and Rollovers — Both Supported

One of the most common questions we hear is, "I already have a 401(k) / TSP / IRA — can I move some of it into gold and silver?"

The answer is yes. The SoundMoney IRA supports both new accounts and rollovers:

• Open a new Self-Directed IRA and fund it with a new contribution.
• Rollover an existing 401(k), 403(b), TSP, traditional IRA, or Roth IRA into a precious metals SDIRA through a direct rollover or trustee-to-trustee transfer.

In most cases, rollovers are a straightforward paperwork exercise that doesn't trigger a taxable event — but the specifics depend on your situation, and that's exactly why we want to talk to you first. Our IRA specialists will walk you through the process one-on-one.

---

How It Works

Setting up a precious metals IRA involves three trusted partners working together. Here's the flow from start to finish:

1. Open or rollover a Self-Directed IRA. Establish a new SDIRA with our custodian partner, or rollover an existing retirement account.
2. Fund your account. Via direct rollover, trustee-to-trustee transfer, or new contribution.
3. Purchase metals. Direct your custodian to place an order with SoundMoney for IRA-eligible gold and silver.
4. Secure storage. We coordinate with the custodian to ship and insure your metals to the depository.
5. Manage your holdings. Work with your custodian to monitor and grow your position over time.

The whole process is designed to be simple from your side — most of the coordination happens behind the scenes.

---

Meet Your IRA Team

Three partners work together on every SoundMoney IRA:

The Metals Dealer — SoundMoney

That's us. We help you understand the difference between IRA-eligible metal and other precious metals, offer competitive pricing and preferred customer rates, and coordinate directly with your custodian for seamless transactions. You'll work with a dedicated SoundMoney IRA specialist who can walk you through metal availability, costs, and purchasing timelines.

The Depository — Money Metals Depository (Eagle, Idaho)

A Fort Knox-level vault for your precious metals. The depository stores your holdings in a secure, state-of-the-art facility, fully insured against loss or damage, and operates independently of the traditional financial system. Shipping and insurance to the depository is at zero cost to you.

The Custodian — New Direction Trust Company (NDTCO)

NDTCO is a trusted administrator of Self-Directed IRAs that specializes in precious metals. They hold your metals in the depository on your behalf, facilitate fund transfers between your IRA and SoundMoney, provide documentation for tax purposes, and ensure accurate account information and timely delivery of metals.

You don't need to manage any of these relationships yourself — SoundMoney coordinates with the custodian and depository directly on your behalf.

---

How to Get Started

We built the IRA process around a conversation. There are plenty of IRA products that will happily take your money through a web form and leave you to figure out the rest; that's not what we wanted. Precious metals IRAs have real nuances — rollover rules, metal eligibility, contribution limits, timing — and the best experience starts with a real human walking you through it.

The first step is to schedule a free consultation with a SoundMoney IRA specialist. On that call, we'll:

• Answer your questions about the IRA process and eligible metals.
• Discuss your goals and whether a precious metals IRA makes sense for your situation.
• Walk you through rollover options if you have an existing retirement account.
• Provide the specific contact information and next steps to open your account.

You can book that call in 30 seconds at sound.money/ira.

If you'd rather reach us another way, you can also email IRA@sound.money or call 208-516-1716.

---

A Note on Why This Took a While

We've had customers asking for an IRA product for a long time. The reason we didn't rush one out is the same reason we built SoundMoney the way we did: we wanted to get the custody, insurance, pricing, and service story right before we put retirement dollars on the line.

Retirement money deserves the same level of care we've brought to every other part of the SoundMoney experience — physical metal in real vaults, transparent pricing, and a team that actually picks up the phone. The SoundMoney IRA is the result of that work.

We're excited to finally be able to offer it. If you've been waiting, the wait is over.

Schedule your free IRA consultation →

---

Disclaimer: Self-directed IRAs backed by gold and silver are administered by third-party IRA custodians at your direction and must be stored at a third-party depository, where they will be safely stored and insured. SoundMoney sells IRA-eligible precious metals but does not provide custodial or depository services and disclaims all liability for metals sold after they have been shipped. SoundMoney is not a financial advisor, accounting firm, tax advisor, or IRA custodian. We do not offer financial or tax advice, and we do not provide fiduciary services. Any information provided here is for informational purposes only. Self-directed IRAs backed by precious metals may not be appropriate for everyone because individual goals and circumstances vary. It is essential to consult with a qualified financial advisor, accountant, or tax professional before buying, owning, or selling precious metals, including those related to precious-metals IRAs. SoundMoney cannot guarantee the future value of precious metals, and their value can fluctuate over time. Past performance is not indicative of future results.