Articles on: IRA

Does the $199 "Unlimited Storage" apply to my IRA?

No — the SoundMoney $199 Unlimited Storage plan and your Precious Metals IRA are completely separate programswith different storage arrangements. Here's why:

Two Different Products, Two Different Structures

The $199 Unlimited Storage plan applies to your SoundMoney Wallet account — your personal, non-retirement precious metals account. It covers the cost of storing metals you own outright in your own name outside of any retirement account structure.

Your Precious Metals IRA is an entirely different legal structure. The metals in your IRA are owned by your Self-Directed IRA account, not by you personally — and IRS rules require those metals to be held by a qualified custodian at an IRS-approved depository. That storage is arranged and managed separately through your custodian, New Direction Trust Company (NDTCO), and your chosen depository.

What Does IRA Storage Cost?

Storage fees for your precious metals IRA are set by your custodian and depository — not by SoundMoney. These fees vary depending on:

The depository you choose
Whether you opt for segregated or non-segregated storage
The total value or volume of metals held in your account

The Good News on Shipping

While storage fees are separate, SoundMoney does cover zero-cost shipping and insurance to get your metals from us to your chosen depository when you make a purchase.

A Simple Way to Think About It

	SoundMoney Wallet	Precious Metals IRA
Account Type	Personal ownership	Tax-advantaged retirement account
Storage Plan	$199 Unlimited Storage	Custodian & depository fees
Held By	You personally	SDIRA custodian (NDTCO)
IRS Requirements	Flexible	IRS-approved depository required
Tax Advantages	None	Yes — Traditional or Roth

Questions About Fees?

Our IRA specialists are happy to walk you through the full cost structure of a precious metals IRA so there are no surprises.

Updated on: 09/04/2026

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