CamaPlan Gold IRA Review: Fees, Metals, and How It Works (2026)

Most self-directed IRA administrators make you request a fee quote before sharing their fee schedules. CamaPlan does things differently: its Precious Metals Fee Schedule lives on a public page at camaplan.com/resources/precious-metals-fee-schedule/. For investors comparison-shopping flat-fee administrators, that one document changes the research process considerably. This review covers what that schedule contains based on currently available sources, how CamaPlan’s legal structure works, and who the company actually serves well.

Who Founded CamaPlan

Carl Fischer and Maggie Polisano founded CamaPlan in Ambler, Pennsylvania with a positioning they state openly: the company is run “for investors, by investors.” Both carry professional credentials in trust services and IRA administration (industry-reported as Certified Trust Specialist and Certified IRA Services Professional designations). That background shapes how the company operates. CamaPlan targets investors who manage their own retirement strategies and want a platform that handles IRS compliance and paperwork without directing their investment decisions.

The Ambler headquarters sits at 122 E Butler Ave Ste 100, Ambler, PA 19002. CamaPlan operates nationally, serving clients across all 50 states, which means your state of residence does not restrict account eligibility.

The “for investors, by investors” framing carries operational meaning. Rather than guiding clients toward specific metal products or managing the entire purchase process, CamaPlan positions itself as a platform that clears the compliance path and gets out of the way. Whether that model fits you depends almost entirely on how much guidance you want during the purchase process.

Custodian or Administrator: What CamaPlan Actually Is

Based on publicly available review sources, CamaPlan operates as a self-directed IRA administrator rather than a state-chartered trust company custodian. In this structure, a separate IRS-approved custodian holds the assets on your behalf while CamaPlan manages day-to-day account service. This is a common and fully legal structure in the self-directed IRA market, but the practical implication is clear: there is an additional party involved in your account that you should identify before signing.

To verify the current regulatory structure, the Pennsylvania Department of Banking and Securities maintains records of trust companies and registered financial entities chartered in the state. CamaPlan’s team can confirm which IRS-approved custodian currently holds assets on their accounts. Ask that question directly before opening. For the full breakdown of how IRS oversight and state regulation apply to different types of IRA custodians, see our guide on who regulates gold IRA custodians.

The Precious Metals Fee Schedule: The Transparency Differentiator

Most self-directed IRA administrators publish a general fee schedule that treats all assets the same. Precious metals storage, insurance, and transaction costs often live in footnotes or are available only after a sales conversation. CamaPlan takes a different approach by publishing a dedicated Precious Metals Fee Schedule.

Because CamaPlan’s own website was inaccessible for direct verification at the time this review was written (returning server errors), the fee figures below are drawn from third-party review publications. Treat them as a working reference. Pull the current official schedule from camaplan.com/resources/precious-metals-fee-schedule/ before making any account decision, since fee schedules change without public notice.

The storage math is straightforward. On a $100,000 precious metals position, the annual storage and insurance component runs approximately $150 at 0.15% of asset value. Add the annual maintenance band of $160 to $280 and the total annual cost at that balance level falls in a reported range of roughly $310 to $430 per year, before any transaction fees. Some third-party reviewers have described CamaPlan’s maintenance fee as higher than the industry standard for comparable administrators. Whether that assessment holds for your specific situation depends on what services other administrators bundle into their fees.

What sets CamaPlan apart is not necessarily fee level but fee transparency. Publishing a metals-specific schedule means you can run the math before picking up the phone. Most competitors do not. Our full SDIRA custodian comparison for precious metals investors puts these numbers alongside other administrators so you can check the calculation against alternatives.

Precious Metals Eligible for a CamaPlan IRA

CamaPlan supports precious metals as one of several alternative asset classes within its self-directed IRA accounts. The IRS sets the eligibility rules; CamaPlan does not determine which metals qualify. IRS Publication 590-B and the rules established under the Taxpayer Relief Act of 1997 define the fineness requirements:

• Gold: 99.5% minimum fineness. Approved coins include the American Gold Eagle, American Gold Buffalo, and Canadian Gold Maple Leaf.
• Silver: 99.9% minimum fineness. The American Silver Eagle qualifies; so does the Canadian Silver Maple Leaf.
• Platinum: 99.95% minimum fineness.
• Palladium: 99.95% minimum fineness.

Proof coins and numismatic (collector) coins occupy a gray zone. Most do not meet the fineness and approved-coin requirements for IRA eligibility. Do not assume a coin qualifies because a dealer describes it as “gold” or “silver.” Confirm IRS eligibility before purchasing for an IRA, and consult your tax advisor on any coin product you are unsure about.

Storage is mandatory at an IRS-approved depository. Holding IRA metals at home, in a personal safe, or in any facility you personally control is prohibited under IRS rules and constitutes a distribution of the account, triggering ordinary income tax and a potential 10% early withdrawal penalty for investors under 59½. This rule applies regardless of which administrator manages your account. IRS Publication 590-B covers the distribution and prohibited-transaction rules in full.

CamaPlan’s public materials describe directing investors to their chosen IRS-approved storage facility. Specific depository names were not publicly listed in the sources reviewed at the time of writing. Ask CamaPlan directly for their current approved storage partners, their fee structures, and whether they offer options for segregated or allocated storage.

How the Account Opening Process Works

The standard process for opening a CamaPlan precious metals IRA follows the same sequence used by most self-directed IRA administrators:

1. Open a self-directed IRA with CamaPlan. Available account types include Traditional IRA, Roth IRA, SEP IRA, SIMPLE IRA, and Inherited IRA.
2. Fund the account through a cash contribution, a direct rollover from a 401(k) or 403(b), or a trustee-to-trustee transfer from an existing IRA. A direct rollover avoids the 60-day window and withholding requirements that apply to indirect rollovers.
3. Select a precious metals dealer. CamaPlan, as an administrator, does not source metals directly. You choose the dealer; the purchase runs through your IRA.
4. Choose specific metals products that meet IRS fineness requirements for IRA eligibility.
5. Place the purchase order through the IRA account, not through personal funds.
6. Metals ship directly from the dealer to your chosen IRS-approved depository for storage.

Third-party review sources estimate the full process at approximately 15 days from account opening to metals in storage. Rollovers from employer plans typically take longer depending on the releasing plan administrator’s processing time. Tax implications vary by account type, source account, and individual situation. Consult your tax advisor before initiating any rollover. Nothing on this page constitutes tax or financial advice.

Pros and Cons

Who CamaPlan Serves Well