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Cornerstone Bullion is a family-owned precious metals dealer and Gold IRA company based in Castle Rock, Colorado, founded in 2009 by Chad Roach. Sixteen years in business. BBB A+ with zero complaints. Zero Ripoff Reports. Four named custodians. Three named depositories. A founder who is publicly identified with a stated investment philosophy. And a storage fee structure that is more transparent than most competitors bother to publish. That is a strong profile for a company that maintains a modest public presence.
One thing to understand before calling: Cornerstone’s storage fees are percentage-based, running between 0.1% and 0.5% of account value per year. That structure is standard in parts of the industry but differs from flat-fee models used by some competitors. On a $50,000 account, 0.5% is $250 per year. On a $200,000 account, that same rate becomes $1,000 per year. Whether that is competitive depends on what specific custodian and vault combination you end up with. Get the exact percentage for your account size in writing before you commit.
#1 Rated Gold Company for 2026
Before going further into Cornerstone Bullion, know that our top recommendation for U.S. retirement investors in 2026 remains Noble Gold Investments. Noble Gold names its custodians and depositories, publishes its fees, and assigns a dedicated IRA specialist to every account. Their free 2026 Gold IRA guide covers the full process — no pressure.
Quick Company Snapshot
| Company | Cornerstone Bullion |
| Founded | 2009 (16 years in operation) |
| Founder & Owner | Chad Roach |
| Business Model | Family-owned and family-run precious metals dealer and Gold IRA facilitator |
| Headquarters | Castle Rock, CO (PO Box 1043, Castle Rock, CO 80104; no physical address listed) |
| Phone | (800) 558-4671 |
| sales@cornerstonebullion.com | |
| Metals Offered | Gold, Silver, Platinum, Palladium |
| IRA Support | Yes — self-directed precious metals IRAs |
| BBB | A+ |
| Website | www.cornerstonebullion.com |
Cornerstone Bullion at a Glance
Cornerstone Bullion is one of the smaller but more credibly documented companies covered in this guide. The fact that their BBB rating A+ is accompanied by 0 complaints in each consumer database does mean something considering how many deals have been made over the last 16 years.
In terms of the transparency concerning the storage fee and third-party entities used, Cornerstone performs above average. Four custodians and three depositories are listed on the official website. Moreover, the range of the fee itself (0.1 – 0.5%) is also published. That is definitely an advantage for Cornerstone compared to similar small/mid-level companies that do not mention these figures until your actual call.
The critical issue here is connected with the fee being percentage-based. This means that in case of smaller investments, you get a lower price than those charged by many competing companies. When the investment amount increases, the range may grow up to 0.5% of the entire capital. It may be higher than the flat fee paid to others, and you should make sure of that in advance (the latter varies from $100-$150 per year).
Pros & Cons
Fees and Cost Structure
Cornerstone Bullion is among the few smaller dealers who provide more context about fees. On its official site, the company indicates that storage fees usually range between “0.1–0.5% of the value of your account per year.” That is, they follow a percentage-based model.
This means the following:
- A $50,000 account at 0.1%: $50/year
- A $50,000 account at 0.5%: $250/year
- A $200,000 account at 0.1%: $200/year
- A $200,000 account at 0.5%: $1,000/year
The bottom end of the range might be competitive when considering small accounts; however, the top end of the range can be much higher than the fee charged by flat-rate competitors. To determine how much your account will cost, get the relevant number in writing based on your account size before taking any decisions. Finally, custodian fees will be different based on the custodian chosen. There are four options, so check them out by calling Cornerstone at (800) 558-4671 or via sales@cornerstonebullion.com.
Company Background
Cornerstone Bullion was founded by Chad Roach in 2009 in Castle Rock, CO, operating as a branch of Cornerstone Capital Investment Inc. As the name suggests, the idea behind Cornerstone Bullion’s establishment was to be the best of its kind in the precious metals industry and provide superior quality goods and services for competitive prices. According to Chad Roach’s statement on Cornerstone Bullion’s website, his company provides services in a family business fashion where clients can feel comfortable as if they are in their own homes.
Cornerstone Bullion represents an example of a family business in which its founder, Chad Roach, states that the company was organized this way as a result of wanting privacy and security for both sides – the customer and the business. It is a member of the Industry Council for Tangible Assets (ICTA), an organization that defines professional standards for tangible assets dealers and sets criteria for becoming one. The firm’s BBB Rating is A+, and there are no complaints registered against the company.
The company’s headquarters is located at PO box # Castle Rock, CO. There is no other official address provided in any official source including the company’s website and BBB profile. While some investors may take this fact casually, others may consider it part of due diligence and inquire about the company’s actual office upon the first contact.
For broader context on how Cornerstone compares to the competitive field, see our precious metals IRA reviews page.
Noble Gold Is Our #1 Pick for 2026
Cornerstone Bullion has a strong BBB A+ rating, a named founder with a clear investment philosophy, and all custodians and depositories stated upfront. The percentage-based storage fee and thin review volume are the areas that warrant a closer look. Noble Gold Investments offers that comparison point, plus a free guide that answers the fee questions Cornerstone leaves to a call.
Management Team
Founder & Owner — Chad Roach
Cornerstone Bullion was established in 2009 by Chad Roach. Roach has a CLA in Law degree from the Oak Brook College of Law and Government Policy. He has vast experience in fields such as finance, real estate, construction of insurance firms, venture capitalism, and prepaid credits. Roach is the face of the company and openly discloses his strategy for investing in gold and silver to act as a strategic hedge against fiat currencies and central bank policies. Reviewers openly refer to him by his name and describe him as honest and principled, which is quite an achievement in an industry where most owners are anonymous.
Products Available
Cornerstone Bullion’s catalog covers all four IRA metals: gold, silver, platinum, and palladium. The focus is on IRA-eligible bullion coins and bars, with a small selection of gold numismatic coins for collectors. No pricing is listed on the website. Quotes are obtained by calling (800) 558-4671 or emailing sales@cornerstonebullion.com.
IRA-Eligible Gold Products (Examples)
- Gold American Eagle
- Gold Austrian Philharmonic
- Gold Canadian Maple Leaf
- Gold bars in various weights
IRA-Eligible Silver Products (Examples)
- Silver American Eagle
- Silver Canadian Maple Leaf
- Silver bars in various weights
IRA-Eligible Platinum Products
- Platinum American Eagle
- Platinum Australian Platypus
IRA-Eligible Palladium Products
- Palladium Canadian Maple Leaf
Collector Products
- Gold numismatic coins (select rare and historic pieces)
For guidance on metals selection within a retirement portfolio, see our guide to precious metals investing.
Cornerstone Bullion IRA Details
Who Cornerstone Bullion Is Best Suited For
Worth a Closer Look If You Are:
- An investor who values founder-led, personally accountable service and wants to deal with an owner who is publicly identified and states their investment philosophy
- Someone who weights BBB ratings heavily — the A+ with zero complaints is a strong signal for a boutique dealer
- An investor comfortable with a family-run, boutique operation that prioritizes relationship depth over marketing scale
- Someone whose account size keeps the percentage storage fee in a competitive range relative to flat-fee alternatives
- An investor who wants all four metals (gold, silver, platinum, palladium) from one dealer
Consider Alternatives If You Are:
- Running a large IRA where a 0.5% annual storage fee would be significantly more expensive than a flat $100–$150 annual fee
- Requiring a physical office address before engaging with a company
- Wanting a high volume of third-party consumer reviews before making a decision
- Looking for live pricing or online ordering without a phone call
- Prioritizing a Trustpilot profile as part of your vetting process
For the full competitive landscape, see our precious metals IRA reviews page. For the broader case for gold in retirement portfolios, see our articles on inflation risk and inflation hedges.
Start With the #1 Rated Company of 2026
Cornerstone Bullion is a credible, founder-led operation worth serious consideration. For a fully guided, fee-transparent Gold IRA setup in 2026, Noble Gold Investments is where we recommend starting. Request their free guide before speaking with any rep.
Final Verdict
Cornerstone Bullion is a reputable precious metals dealer owned by its founder, which enjoys an above average compliance record. Rating A+, no complaints on BBB, 16-year-old company, 4 custodians named, 3 depositories named, a founder who is known publicly and can be held accountable, and storage fee that is clearly stated upfront in a range form. That is a solid set of attributes to expect from a reputable dealer of this sort.
The percentage based storage fee that you’ll need to pay is what matters the most before making a decision to go with Cornerstone or choose a competitor with a fixed fee structure. It is fairly reasonable when considering the lower part of the range, but becomes too costly when applied to larger sums. You will need to find out the exact amount that you have to pay and compare it to other companies’ flat rates.
The PO Box address and few reviews can be viewed as red flags, but should not stop you from moving forward since legitimate dealers can also lack a physical address and take much time to collect reviews. The fact that there are no Ripoff Report complaints, and the record on BBB is perfect shows that there is no actual scam activity involved.
Cornerstone Bullion is a precious metals investment firm founded in 2009. It is a bullion dealer, which also helps customers establish a Precious Metals IRA with their partnered IRA custodians. New Direction IRA, The Kingdom Trust Company, The Entrust Group, and GoldStar Trust Company are all options for custodial services. In addition, storage options of precious metals bullion include the esteemed Delaware Depository, Dakota Depository, or Idaho Armored Vaults. Cornerstone Bullion’s catalog of products includes silver, gold, palladium, and platinum coins and bars. The company website does not offer any prices for its bullion.
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Mohammed Saqib is a finance professional and CFA Level II Candidate with a Master of Finance from Wilfrid Laurier University. He specializes in financial content covering equities, alternative assets, precious metals, and capital markets.
