Lexi Capital Review: Your Trusted Guide to Precious Metals IRA Investing

Investigating precious metals IRAs? In this lexi capital review, we analyze the company’s offerings for retirement investors. Expect an impartial look at their IRA services, custodial partnerships, storage solutions, and actual customer reviews, helping you make an informed decision.

Key Takeaways

Lexi Capital’s Origin and Mission

Lexi Capital's Origin and Mission

Launched in 2010, Lexi Capital was the result of a business plan developed by two entrepreneurs during a class project at UCLA. Their motivation was simple yet powerful: to protect retirees from the impacts of fluctuating markets, profit-focused politicians, and unaccountable bankers.

Lexi Capital is committed to providing retirees with reliable investment options, focusing on making market insights and recession-proof assets accessible. While their website may not have an extensive learning center, clients report that they receive comprehensive education from their specialists. A testament to their commitment to client education, Lexi Capital helps clients navigate the often complex landscape of precious metals investing.

Even if their website isn’t brimming with learning resources, Lexi Capital compensates by offering in-depth education through their trained specialists. This commitment to client education is a cornerstone of Lexi Capital’s mission to empower retirees to take control of their retirement planning.

Services Offered by Lexi Capital

Lexi Capital's Services

One of the primary services offered by Lexi Capital is the self-directed IRA. These investment vehicles enable the inclusion of various assets, including precious metals, which are known to be less affected by economic turmoil. This ensures that, even in an unstable economy, your retirement savings remain secure.

Lexi Capital, a precious metals company, provides personalized portfolio analysis, assisting clients in understanding their investments and the role of gold and silver in hedging against market instability. This service gives clients a clear picture of their investment portfolio and the potential benefits of including precious metals in it.

Lexi Capital enhances its service offerings, which include self-directed IRAs and personalized portfolio analysis, by also providing a unique Gold Assurance Plan. This plan provides a six-month repricing policy for eligible gold coins, offering protection for up to $500 per ounce to help mitigate the effects of short-term market corrections. This means that even if the market takes an unexpected downturn, you’re covered.

Gold and Silver IRA Investment Options

Gold and Silver IRA Investment Options

Lexi Capital, one of the leading gold ira companies, has carved out a niche for itself in the area of Gold and Silver IRAs. They provide access to physical gold and silver investments, which are not only tangible but also have a long history of value. With Lexi Capital Gold IRA, you can secure your retirement savings in a reliable and time-tested manner.

Lexi Capital guarantees that gold and silver coins and bars eligible for a precious metal IRA, such as a gold IRA account investment, comply with IRS purity standards. Gold, platinum, and palladium must be at 99.5% purity, and silver at 99.9% purity. This ensures that you’re investing in the highest quality precious metals.

One of the major advantages of investing in gold and silver is their potential to hedge against economic volatility and deliver more stable returns. Lexi Capital also offers a competitive lower minimum investment requirement for gold IRAs, making it more accessible for investors. This means that you can start safeguarding your retirement funds without needing a massive initial investment.

Partnering with STRATA Trust as IRA Custodian

In the world of self-directed IRAs, the role of the custodian is crucial. Lexi Capital has chosen to partner with STRATA Trust Company, a custodian with over 350 years of combined experience in the self-directed IRA industry. This partnership creates a strong foundation for your investments.

As the custodian for Lexi Capital, STRATA Trust is responsible for controlling uninvested cash, holding title to customer assets and complying with IRS regulations, thereby safeguarding your gold IRA investments. They distinguish themselves through customer-focused technology that streamlines IRA transactions and offers investment flexibility beyond traditional financial institutions.

Although Lexi Capital has chosen to partner with STRATA Trust as the IRA custodian, they recognize that investors may choose different custodians to suit their individual retirement planning needs. This shows Lexi Capital’s commitment to providing a personalized service that caters to the unique needs of each client.

Storage Solutions for Precious Metals

Storage Solutions for Precious Metals

Secure storage becomes a significant concern when investing in precious metals. Lexi Capital’s self-directed IRA for precious metals uses an IRS-approved depository, with Delaware Depository being the preferred choice. This ensures compliance with regulations and the security of your investment.

Lexi Capital collaborates with Brinks and Delaware Depository to provide secure storage solutions. The latter is insured up to $1 billion by Lloyds of London. This provides an additional layer of safety for your precious metal investments.

Lexi Capital provides a Personal Storage IRA option for customers who wish to have personal access to their investments. However, it’s crucial to understand IRS stipulations regarding personal storage due to potential tax implications. For those interested in this option, Lexi Capital offers comprehensive service assistance to guide investors through the process.

Opening a Lexi Capital Self-Directed IRA

The process of opening a self-directed IRA with Lexi Capital is rather straightforward. Various account types can be transferred into a self-directed IRA, including:

They also offer the option to create a new self-directed IRA.

If you plan to open a new gold and silver IRA with Lexi Capital, you’ll need to provide your social security number and personal details. This is necessary in order to complete the account setup process. If you’re transferring from an existing account, you’ll also need your retirement account statements.

Lexi Capital distinguishes itself with a low minimum investment requirement of $1,500 to open a self-directed IRA. Their Express IRA Application process simplifies the application process, with step-by-step guidance and customer support readily available to assist with both new account setup and account transfers.

Why Choose Lexi Capital?

A primary reason to opt for Lexi Capital is their significant focus on client education regarding precious metal investment. While they may lack an extensive learning center on their website, they compensate by providing a free investor kit to prospective clients, demonstrating their ongoing commitment to educating investors.

Lexi Capital exclusively offers gold and silver assets, known for their consistent strong returns. With their high demand in both domestic and international markets, these assets can provide a solid foundation for your retirement portfolio.

Navigating Lexi Capital’s Website

Lexi Capital’s website is user-friendly, making it easy for clients to navigate. However, it does not offer online trading, investing apps, or a trading platform. This means that while the site is easy to navigate, you’ll need to contact the company directly to make trades or investments.

Products and prices are not listed on the Lexi Capital website, so customers must contact the company directly to obtain product and pricing information. This might be a minor inconvenience for some, but it also ensures that you’ll receive personalized service.

Customers can inquire about services via telephone, email, or an online contact form. Despite Lexi Capital’s focus on being user-friendly, they do not provide real-time interaction options such as web-based chat services.

Customer Feedback and Reviews

Lexi Capital has garnered predominantly positive reviews across multiple platforms when it comes to customer feedback. They have an A+ rating from the Better Business Bureau (BBB), indicating a positive reputation, and a perfect 5/5 rating based on three reviews on TrustLink.

However, the number of customer reviews for Lexi Capital is minimal on platforms like the BBB and TrustPilot, making it challenging to assess overall customer satisfaction. Gold IRA Guide and Sophisticated Investor both rate Lexi Capital at 4 out of 5 stars, while TrustLink does not show any reviews below 4 stars for the company.

Pros and Cons of Investing with Lexi Capital

Pros and Cons of Investing with Lexi Capital

As with any investment firm, Lexi Capital comes with its own set of advantages and disadvantages. On the plus side, they offer a full refund or exchange within three days of receiving gold or silver products, giving customers a brief period to reconsider their purchases. They also offer a competitive annual fee structure, with no annual fees for IRAs of at least $50,000.

On the downside, there has been at least one customer complaint regarding Lexi Capital’s repricing policy and the wait times experienced when calling back to place an order. In case of order cancellation, Lexi Capital charges a fee that includes the market loss and an additional $45.

Despite these cons, the pros of investing with Lexi Capital, such as their full refund/return policy, low minimum investment, and online express IRA application, make them an attractive option for many investors.


Investing in precious metals through a self-directed IRA with Lexi Capital offers a potentially safe and stable avenue for your retirement savings. With their strong emphasis on client education, personalized portfolio analysis, and diverse investment options, Lexi Capital provides a comprehensive service for investors.

However, like any investment, it’s important to weigh the pros and cons. While Lexi Capital offers a low minimum investment requirement and a unique Gold Assurance Plan, they also have a lack of product and pricing information online and no real-time interaction options. Therefore, it’s crucial for potential investors to do their due diligence and consider their individual investment needs.

In conclusion, Lexi Capital provides a solid platform for those looking to invest in gold and silver IRAs. With their client-focused approach and commitment to providing reliable investment options, they offer a unique solution for those seeking to protect their retirement funds from market fluctuations.

Frequently Asked Questions

What is the minimum investment required to open a self-directed IRA with Lexi Capital?

You need a minimum investment of $1,500 to open a self-directed IRA with Lexi Capital.

What kind of storage solutions does Lexi Capital offer for precious metals?

Lexi Capital offers secure storage solutions for precious metals through partnerships with Brinks and Delaware Depository, as well as a personal storage IRA option. This ensures the safety and security of your valuable investments.

Who is the IRA custodian for Lexi Capital?

The IRA custodian for Lexi Capital is STRATA Trust.

What services does Lexi Capital offer?

Lexi Capital offers self-directed IRAs, personalized portfolio analysis, and a unique Gold Assurance Plan to their clients. These services can help you manage your investments effectively.

How can I inquire about Lexi Capital’s services?

You can inquire about Lexi Capital’s services by using their telephone, email, or online contact form. Just choose the method that works best for you.