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Lexi Capital

4.5 Stars
Updated: June 5, 2023
By: Jeff Smith
Jeff Smith
Sr. Content Manager
As Retirement Living’s senior content manager, Jeff oversees the product and publishing of all retirement, investing, and consumer wellness content on the site. His extensive expertise in brand messaging and creating data-driven stories helps position Retirement Living as a top authority for senior content and community resources.
Sr. Content Manager
Edited By: Lauren Hamer
Lauren Hamer
Sr. Editor
Bringing more than a decade of editorial experience to Retirement Living, Lauren focuses on reporting senior-related issues, including retirement planning, finance, consumer protection, and health and wellness. Lauren has edited consumer content for Credible, Angi, Slickdeals, Jobs for the Future, and more.
Sr. Editor

Lexi Capital strives to simplify investing in gold and silver IRAs. The firm allows investors to buy gold and silver with the same protections afforded to large investment houses and hedge funds. The Gold Assurance Plan helps clients avoid short-term price fluctuations to reduce risk when first buying gold or silver.

Lexi Capital Logo

Editorial Breakdown

Customer Care 4.6 Stars
Price 4.5 Stars
Reliability 4.6 Stars
Ease of Purchase 4.7 Stars

Overall Rating 4.5 Stars

Bottom Line

Lexi Capital allows customers to invest in the same gold and silver IRA options as professional investors.

Lexi Capital Review

Lexi Capital was founded in 2010 by two entrepreneurs who developed a business plan for a class project at UCLA. They turned that first-prize plan into Lexi Capital to help retirement investors navigate fluctuating gold and silver markets. Gold IRA experts provide retail investors with market insights for using gold to help recession-proof assets.

Most gold IRA companies provide pages of information on their websites. While Lexi Capital doesn’t clutter its site, you will quickly find basic information about the company’s offerings and links to set up an account.


  • Gold Assurance Plan six-month return policy
  • Streamlined focus on gold and silver investments
  • Express IRA application
  • Combine other assets with gold in your account


  • Website provides few details
  • Time lag on responses to phone calls

Gold and other precious metal IRAs are an investment and carry risk. Consumers should be alert to claims that customers can make a lot of money in these or any investment with little risk. As with any investment, you can lose money and past performance is not a guarantee of future performance results. Consumers should also obtain a clear understanding of the fees associated with any investment before agreeing to invest.

The Gold Assurance Plan from Lexi Capital

Although gold and silver are typically an excellent way to diversify your retirement savings, precious metal prices may rapidly fluctuate. Lexi Capital’s unique Gold Assurance Plan helps investors buffer their IRA from global and economic situations.

The Gold Assurance Plan provides six months of price protection for up to $500 per ounce for gold and silver coins. Bullion products are eligible for the Gold Assurance Plan for an additional fee.

Start an ApplicationProvide DocumentationSelect Investments
– Open a new self-directed IRA or transfer another retirement account.- Download an application or use the Express IRA online form to apply.– Provide Social Security number and personal information. Provide recent retirement account statements for transfers.– An advisor answers your questions and explains specific gold and silver investments. Choose your retirement assets.
Lexi Capital Three-Step IRA

Investing with Lexi Capital

Lexi Capital only sells gold and silver. Gold and silver are typically higher in demand on domestic and international markets than other precious metals. Lexi Capital focuses on giving clients access to the highest and most reliable returns.

Lexi Capital specializes in setting up gold and silver IRAs and gold IRA rollovers. Clients can also hold several other investments in their account:

  • Real estate, trusts, deeds
  • Mortgages, tax liens, IRS-approved precious metals
  • Promissory notes, closely held stocks, real estate investment trusts
  • Private limited partnerships, limited liability companies and others

We found no IRA custodian mentioned on Lexi Capital’s website. One online review says it uses Self-Directed IRA Services Inc. This company is now STRATA Trust, a respected gold IRA custodian. Discuss custodian selection with a Lexi Capital representative.

Lexi Capital Customer Service

Lexi Capital processes all sales online, and the company does not keep regular customer service hours. Use the Contact Us link on the website to email customer service. You can also phone and leave a message if no one is available to take the call. Representatives return phone calls within 24 to 48 hours, while email usually has a faster turnaround.

The company asks that you call during regular business hours to cancel an order. Cancellations are rare, but consider that you could wait a day or two to hear from a representative.

Lexi Capital Gold IRA Costs

Lexi Capital does not publish account management, storage or transaction fees on its website. The minimum investment required is $1,500, which is lower than most other gold IRA companies. There are no new account fees if your initial investment is at least $15,000.

Cancellation fees are equal to Lexi Capital’s market loss policy plus $45. We found no information about the market loss policy.

How to Set Up a Lexi Capital Gold IRA

Use the forms provided on Lexi Capital’s website or call to set up a traditional or Roth IRA. You will also find a link at the top of each page on the site for the Express IRA application. Filling out this form is an easy way to get the ball rolling on setting up your new account.

Lexi Capital Complaints

We mainly found positive reviews for Lexi Capital, but the number of customer reviews was minimal. Consumer reviews on Yelp, TrustLink and Google mention receiving a high level of education from gold IRA specialists. One person complained about the repricing policy and waiting to get a call back about placing an order.

The Better Business Bureau recently accredited Lexi Capital with an A+ rating. The Business Consumer Alliance gives the company a AAA rating. Gold IRA Guide and Sophisticated Investor both rate Lexi Capital 4 out of 5 stars.

Lexi Capital FAQ

  • How accurate is the weight of Lexi Capital’s gold bars?

    Lexi Capital triple-checks the weight of each poured bar and remelts underweight bars. Each gold or silver bar weight is exact or slightly overweight.

  • Do I have to take minimum required distributions from a Lexi Capital Gold IRA?

    Minimum distribution rules apply to all traditional IRA accounts. You must take a required minimum distribution each year from a gold IRA when you reach age 70-1/2.

  • Does Lexi Capital offer any discounts?

    Lexi Capital offers a 3% discount if you pay with cash, check, bank wire or cashier’s check. The company extends the offer to money order payments on a case-by-case basis.

  • Does Lexi Capital take credit card payments?

    Yes. You can purchase gold and silver from Lexi Capital with a credit card, but you’ll forgo the 3% discount.

  • Can I store the gold I buy from Lexi Capital?

    The IRS stipulates that gold IRA assets be held at an IRS-approved trustee. The Lexi Capital website hints at options for personally storing gold held within an IRA. We recommend using a secure physical precious metals storage facility to prevent problems you may experience storing gold yourself.


Lexi Capital emphasizes educating clients to give them control over their retirement funds. You’ll find all you need to set up a gold IRA on the website and can get quick answers to questions via email. Competitors offer a broader selection of precious metals, but Lexi Capital specializes in gold and silver for higher long-term returns.

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