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RC Bullion was founded in 2013 and operates out of Los Angeles. It is not a large or well-known company, but it has a few characteristics worth paying attention to. The fee structure is one of the most clearly published in the category: $95 per year for the custodian, $100 per year for storage, and both fees waived for the first year on investments of $25,000 or more. The minimum investment is $10,000, which is lower than what many Gold IRA specialists require. The account setup is fast. And the Delaware Depository is used for storage, which is one of the most credible vault operators in the U.S.
The drawbacks are real too. The product catalog is small. The company does not publicly name its leadership. The custodian and depositories are not listed on the website. And the BBB A+ letter grade comes without accreditation. For investors who weight cost efficiency and speed alongside a simple coin selection, RC Bullion is worth a serious look. For investors who want a wide product range or public leadership disclosure, other options fit better.
#1 Rated Gold Company for 2026
Before going further into RC Bullion, know that our top recommendation for U.S. retirement investors in 2026 is Noble Gold Investments. Noble Gold names its custodians and storage partners publicly, publishes its fee structure, and assigns a dedicated IRA specialist to every account. Their free 2026 Gold IRA guide covers the full process with no strings attached.
Quick Company Snapshot
| Company | RC Bullion (rcbullion.com) |
| Founded | 2013 (12+ years in operation) |
| Key Principal | John Rozdzielski (per third-party filings; not disclosed on company website) |
| Headquarters | 2999 Overland Ave #219, Los Angeles, CA 90064 |
| Phone | 844-523-7337 |
| info@rcbullion.com | |
| Metals Offered | Gold, Silver, Platinum, Palladium |
| IRA Support | Yes — self-directed precious metals IRAs |
| Custodian | Strata Trust Company (not named on public website) |
| Account Setup | 3 business days; metals delivered within 1 week of transfer |
| Website | www.rcbullion.com |
RC Bullion at a Glance
RC Bullion is a more streamlined firm compared to many other firms. It has a limited catalog, lacks public management team, and has a website that has been criticized by many for being less usable. However, it is competitive when it comes to cost-related concerns. A fixed annual custodial and storage fee of $195 after year one is among the lowest fees charged by other Gold IRA companies. Additionally, it provides a free year-one fee for a rollover greater than $25,000, which makes it different from many competitors who lack such financial benefits. The fact that it uses Delaware Depository for storage provides additional credibility.
However, the catalog serves as the functional limitation of this company since it offers a limited selection of coins that include gold, silver, platinum, and palladium. This is definitely the wrong place if you are looking for variety in your products. However, this is an excellent destination if you are interested in purchasing commonly-held IRA eligible coins.
Pros & Cons
Fees and Cost Structure
RC Bullion is one of the few companies in this category that publishes specific annual fee figures rather than directing every inquiry to a phone call. The structure, confirmed across multiple independent sources:
- Annual custodian fee: $95 (payable to Strata Trust Company after year one)
- Annual storage fee: $100 flat, regardless of account value (payable to the depository)
- Total annual cost after year one: $195
- First-year fee waiver: custodian and storage fees are both waived for year one when the investment exceeds $25,000. The waiver extends up to three years for every additional $25,000 invested
- Shipping: covered on IRA transfers and on direct orders over $5,000
- Minimum investment: $10,000
The flat storage fee irrespective of account size makes it very favorable for investors. A storage fee of $195 annually from a total of $50,000 in the account translates to 0.39% of the account balance. If the total value in the account were $150,000, the storage fee would now be 0.13% of the account balance. The fees become relatively small compared to the account balance as the value increases. Make sure you confirm the latest fees charged by RC Bullion prior to opening your account. Call 844-523-7337 or email info@rcbullion.com.
Company Background
RC Bullion was founded in 2013 in Los Angeles, California. RC Bullion works as a dealer of bullions as well as a facilitator of Gold IRA. The firm has operated continuously for more than 12 years. Its online exposure is limited; apart from Facebook, it has no social media pages. In addition to this, there are some usability issues with the website and no mention of any executive members in any of the company disclosures. However, one of the key members according to third party filing seems to be John Rozdzielski, although he is mentioned neither on the company’s website nor on LinkedIn.
What the company makes sure of publishing is their fees and their IRA process. They have an educational section on the website that discusses gold and silver investment articles, FAQs, a free Gold IRA guide, and the spot price charts of all four precious metals. In addition, there is also a direct link provided to apply for an IRA through Strata Trust Company.
For a broader comparison of where RC Bullion fits in the Gold IRA market, see our precious metals IRA reviews and best gold investment companies pages.
IRA Custodian and Storage
Custodian: Strata Trust Company
RC Bullion works with Strata Trust Company as its IRA custodian. Strata Trust is an IRS-approved trust company and established administrator for self-directed IRAs, previously operating under the name Self Directed IRA Services (SDIS). A direct link to the IRA application with Strata Trust is available on RC Bullion’s website, which reduces one friction point in the setup process.
Strata Trust is not named prominently on RC Bullion’s public website, so some investors arrive at a consultation without knowing who the custodian will be. Ask Strata Trust directly for its current annual fee schedule before signing paperwork. Our self-directed IRA guide covers what to look for in any custodian.
Storage: Delaware Depository and Brinks
The two storage companies RC Bullion works with to store its IRA metals are the Delaware Depository of Wilmington, Delaware, and Brinks Global Services. The Delaware Depository is one of the best-known vaults in the industry and is SSAE-18 SOC 1 certified. It is also insured to the tune of $1 billion by Lloyd’s of London all risk policy.
Both segregated and non-segregated storage are available. The $100 annual storage fee applies regardless of which depository is used. Neither depository name is prominently displayed on RC Bullion’s public website, so confirm the storage arrangement and insurance details in writing before metals are shipped. Our guide to gold storage vaults covers what segregated versus non-segregated storage means in practice.
Products Available
The catalog offered by RC Bullion is among the shortest in the industry. This organization deals in gold, silver, platinum, and palladium coins, as well as a limited number of bullions. It offers the most common IRA-approved products but does not cover a variety of other products. Collectible coins can be purchased from here as well. All transactions are made via the phone or the website.
IRA-Eligible Gold Products
- Gold American Eagle
- Gold American Buffalo
- Gold Canadian Maple Leaf
IRA-Eligible Silver Products
- Silver American Eagle
- Silver Canadian Maple Leaf
IRA-Eligible Platinum Products
- Platinum Canadian Maple Leaf
- Platinum Australian Platypus
IRA-Eligible Palladium Products
- Palladium Canadian Maple Leaf
Additional Products
- Collectible coins
- Select bars in gold and silver
The narrow catalog is the most consistent criticism of RC Bullion across independent reviews. If specific products outside this list are a priority for your IRA, verify availability directly before opening an account. For guidance on product selection within a retirement portfolio, see our precious metals investing guide.
Noble Gold Is Our #1 Pick for 2026
RC Bullion has one of the clearest fee structures in this category and a first-year fee waiver that few competitors match. But for retirement investors who want named custodians and depositories published upfront alongside a guided specialist experience, Noble Gold Investments covers more ground from the start. Their free guide takes minutes.
Buyback Program
RC Bullion offers a buyback program for the precious metals it sells. Before purchasing with a future sale in mind, confirm the following directly:
- How is the buyback price set relative to spot on the day of sale?
- Are there any fees or commissions on the selling side?
- Does the buyback apply to all four metals?
- What is the typical timeline for proceeds after a completed sale?
RC Bullion vs Other Gold IRA Companies
RC Bullion sits in the value tier of the Gold IRA market: lower minimums, published flat fees, and fewer premium features. Here is how it compares against key peers:
Noble Gold Investments is our #1 pick for 2026. Noble Gold names custodians and depositories publicly, publishes fees, assigns a dedicated IRA specialist, and carries a broader product range than RC Bullion. It is the most transparent and well-rounded comparison at any investment level.
Augusta Precious Metals targets investors prioritizing depth of educational support and a premium guided experience. Augusta’s minimum investment is significantly higher than RC Bullion’s, so the two serve different starting points.
Goldline offers a longer national profile and broader product selection than RC Bullion. Worth comparing for investors who want more coin and bar options alongside IRA facilitation.
USAGOLD is a direct peer in the “smaller, more relationship-driven” tier alongside RC Bullion, but with a much longer operating history and more extensive educational resources.
GoldCore is the comparison for investors focused on international custody as a primary feature. RC Bullion’s storage is domestic-first through Delaware Depository and Brinks.
Advantage Gold is a close alternative for rollover-focused investors who want a more guided IRA specialist experience with broader product selection than RC Bullion offers.
Best gold investment companies — full comparison roundup for investors evaluating the broader field.
RC Bullion’s sharpest competitive advantage is its fee transparency and first-year waiver. Its most consistent weakness is catalog breadth and public disclosure on leadership and storage partners.
Start With the #1 Rated Company of 2026
RC Bullion is a legitimate, low-cost option worth including in any serious comparison. For the most guided, fully transparent Gold IRA setup available in 2026, Noble Gold Investments is where we recommend starting. Request their free guide before speaking with any rep.
Final Verdict
RC Bullion is a legitimate, low-cost Gold IRA option with real strengths in fee transparency and speed. The $195 flat annual fee after year one, first-year waiver for $25,000+ investments, $10,000 minimum, and three-business-day account setup make it one of the more accessible entry points in the category. The Delaware Depository adds storage credibility to what is otherwise a modest public profile.
The catalog is the real limit. If your IRA strategy requires a range of products beyond the most common gold, silver, platinum, and palladium coins, RC Bullion will not cover it. The absent leadership disclosure and unnamed website partners are gaps that require resolution by phone before you commit.
If cost efficiency and fast setup matter most and you are comfortable with a small coin selection, RC Bullion is worth calling. Get the Strata Trust fee schedule in writing, confirm the storage arrangement, and compare the product premiums against Noble Gold Investments and at least one other provider before committing retirement funds.
- Phone : 844-523-7337
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Headquartered in Los Angeles, RC Bullion is a precious metals broker and assists clients in establishing Precious Metals IRAs. The catalog is decidedly smaller than most other dealers, but many of the available gold, silver, palladium, and platinum coins are eligible to be held in an IRA. The website offers no pricing information. RC Bullion’s preferred custodian is Equity Institutional. Conveniently for customers, the company's website provides a direct link to Equity's IRA application page. There is no information apropos of who runs the company. Unfortunately, the website offers no pricing information, rather customers must contact the company directly for that information.
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.
