New Hampshire is one of the few states that taxes neither wage income nor general retail sales. Traditional IRA, 401(k), and 403(b) distributions paid to a New Hampshire resident incur 0 percent New Hampshire state income tax. The New Hampshire Interest and Dividends Tax (I and D Tax) under RSA 77 was fully repealed effective January 1, 2025 by HB 2 of 2023, after a multi-year phase-down from 5 percent through tax year 2022 to 0 percent for tax year 2025 and after. Bullion and coin purchases are not subject to any New Hampshire sales tax because the state imposes no general sales tax. RSA 511:2, X exempts IRA and other qualified retirement plan assets from execution and attachment by creditors. New Hampshire imposes no state estate tax and no inheritance tax. This guide covers the New Hampshire tax picture for a self-directed gold IRA, out-of-state depository considerations (New Hampshire has no major IRS approved precious metals depository within its borders), creditor protection rules, provider verification through the New Hampshire Bureau of Securities Regulation and the Attorney General Consumer Protection Bureau, and a dealer neutral comparison of three IRS compliant providers serving New Hampshire residents.
Consult your tax advisor for your specific situation. This guide cites New Hampshire statutes and IRS Publication 590-A / 590-B as written. It is not personalized tax advice. New Hampshire filers combining federal taxable income, Social Security, IRA distributions, and any business or partnership income should review their full federal and any out-of-state filing obligations with a licensed CPA before initiating any rollover. Consult a licensed financial advisor before making retirement decisions.
Quick Verdict: Gold IRA Picks for New Hampshire Residents
New Hampshire residents with $50,000 or more in eligible retirement accounts who prefer an education first onboarding process tend to fit Augusta’s typical customer profile. New Hampshire has no in state IRS approved precious metals depository, so all three providers below ship and store metals at out of state facilities, most commonly in Delaware, Texas, or with Brink’s. Each ranking reflects Goldiew internal user reviews and verified BBB profile data, not affiliate priority.
Augusta Precious Metals
Birch Gold Group
Noble Gold Investments
- New Hampshire Income Tax on IRA Distributions
- Interest and Dividends Tax Repeal (HB 2 of 2023)
- No State Sales Tax on Bullion in New Hampshire
- Out of State Depository Considerations for New Hampshire
- IRA Creditor Protection Under RSA 511:2, X
- No New Hampshire Estate or Inheritance Tax
- Verifying a Provider: Bureau of Securities Regulation and BBB
- Gold IRA Providers Serving New Hampshire
- Augusta vs Birch vs Noble for New Hampshire Investors
- Which Provider Fits Your New Hampshire Situation
- FAQ
- Sources and Methodology
New Hampshire Income Tax on IRA Distributions: The Real Numbers
New Hampshire does not impose a broad based personal income tax on wages, salaries, pensions, or IRA distributions. Traditional IRA, 401(k), and 403(b) distributions paid to a New Hampshire resident are taxed at 0 percent at the state level for tax year 2026. Federal tax still applies on the same distribution, reported on Form 1099-R, per IRS Publication 590-B. The federal layer follows ordinary federal income tax rules regardless of the state side outcome.
Until tax year 2024, New Hampshire imposed a separate tax under RSA 77 on certain interest and dividend income received by individuals (the Interest and Dividends Tax, or I and D Tax). That tax has been fully repealed effective January 1, 2025. The section below covers the repeal timeline. The New Hampshire Department of Revenue Administration publishes individual taxpayer guidance at revenue.nh.gov/individuals.
Why retirement income falls outside the prior I and D tax
The I and D Tax under RSA 77 applied to interest and dividend income received outside qualified retirement plans. Distributions from a traditional IRA, Roth IRA, 401(k), 403(b), or pension were not classified as interest or dividends for I and D purposes. New Hampshire retirement income from these qualified accounts was therefore not subject to the I and D Tax even before the 2025 repeal. The repeal removes the tax entirely for taxable interest and dividends held outside qualified accounts (brokerage interest, non IRA dividend income, certain trust income).
The practical effect for a New Hampshire resident considering a gold IRA: state level tax exposure on an IRA rollover or distribution has been at 0 percent for many years for the IRA distribution itself, and is now 0 percent for any taxable interest and dividends sitting outside the IRA as well, beginning tax year 2025. Consult your tax advisor for your specific situation.
Interest and Dividends Tax Repeal (HB 2 of 2023)
The New Hampshire legislature began phasing down the I and D Tax in the 2021 state budget (HB 2 of 2021). HB 2 of 2023 accelerated the schedule so that the tax reached 0 percent two years earlier than originally planned. The statutory phase-down by tax year is shown below.
| Tax year | New Hampshire I and D Tax rate (statutory) |
|---|---|
| 2022 and earlier | 5% |
| 2023 | 4% |
| 2024 | 3% |
| 2025 and after | 0% (fully repealed) |
For a New Hampshire resident holding a taxable brokerage account with interest and dividend income outside a qualified retirement plan, the 2025 tax year was the first year with no New Hampshire tax on that income. For IRA distributions specifically, the practical state level tax has been 0 percent throughout this entire period because IRA distributions were never classified as interest or dividends under RSA 77. Source: HB 2 of 2023 and the New Hampshire Department of Revenue Administration. Consult your tax advisor for your specific situation.
Business and partnership income remains separately taxed
New Hampshire continues to impose the Business Profits Tax (BPT) under RSA 77-A and the Business Enterprise Tax (BET) under RSA 77-E on qualifying business activity, including partnerships and certain sole proprietorships above filing thresholds. These taxes do not apply to a personal IRA distribution or to a self directed gold IRA held by an individual. A New Hampshire resident operating a business may have BPT or BET obligations on the business side, separate from the IRA decision.
No State Sales Tax on Bullion in New Hampshire
New Hampshire is one of five states with no general statewide sales tax (the others are Alaska, Delaware, Montana, and Oregon). New Hampshire imposes a 0 percent state retail sales tax, which means that direct purchases of bullion (gold, silver, platinum, palladium) and coins by a New Hampshire buyer for personal possession are not subject to any New Hampshire sales tax. There is no separate New Hampshire bullion sales tax exemption statute because no general sales tax framework requires one.
What the no sales tax structure covers for precious metals
- Gold, silver, platinum, and palladium bullion in coin, bar, or round form.
- Numismatic coins and currency for direct purchase by a New Hampshire resident.
- Storage of bullion in a New Hampshire safe deposit box or other facility (no use tax framework applies either).
This contrasts with most other states. Of the states that impose a general sales tax, more than 40 have enacted a specific bullion exemption statute. New Hampshire reaches the same outcome by not imposing a sales tax in the first place. Out of state delivery of bullion purchased by a New Hampshire resident from a dealer with nexus in another state may trigger that state’s sales tax depending on the dealer’s collection rules. Consult your tax advisor for transactions involving out of state nexus.
How the no sales tax structure interacts with IRA eligible metals
IRA held metals never reach the individual customer in personal possession before distribution. Per IRS Publication 590-A, IRA eligible metals must be held by an IRS approved trustee or depository. The New Hampshire no sales tax structure matters most for non IRA direct purchases (home storage of non IRA metals, gift purchases, numismatic collecting) where the customer takes delivery in New Hampshire. For IRA held metals shipped directly from the dealer to the out of state depository, sales tax depends on the dealer’s nexus and shipment routing, not the customer’s New Hampshire residency.
Out of State Depository Considerations for New Hampshire Residents
New Hampshire has no major IRS approved precious metals depository within its borders. New Hampshire residents who open a self directed gold IRA will store metals at out of state facilities, most commonly in Delaware, Texas, or with Brink’s Global Services. The three providers compared in this guide use a mix of these states’ depositories.
The main IRS approved depository options for New Hampshire residents
- Delaware Depository (Wilmington, DE). Licensed by CME Group for COMEX and NYMEX, ICE Futures US approved, SSAE18 SOC1 Type1 audited, with $1 billion all risk insurance coverage. Closest practical Eastern Seaboard option for New Hampshire residents. Birch Gold Group publicly lists Delaware Depository as one of its named partner facilities.
- Texas Bullion Depository (Leander, TX) and Texas Precious Metals Depository (Shiner, TX). State chartered Texas facilities serving precious metals IRA customers.
- International Depository Services (IDS) with facilities in Delaware and Texas.
- Brink’s Global Services, multiple US facilities. Listed by several major precious metals dealers as an IRA partner.
- Noble’s primary Texas based depository, used as the single vendor option for Noble Gold Investments customers.
Why proximity matters less than process
An out of state depository does not change federal IRS rules on self directed IRA storage. Per IRS Publication 590-A, the IRA held metals must remain in the custody of an IRS approved trustee or depository until qualified distribution. Personal possession before age 59 1/2 (or before the rollover completes) triggers distribution treatment and potential penalties, regardless of which state the depository is located in. For New Hampshire residents, the choice between Delaware, Texas, or Brink’s storage is a verification and convenience decision, not a tax or regulatory one.
Verifying any depository before signing
New Hampshire residents can verify the chosen depository through three free public channels: the CME Group approved depositories list (for COMEX and NYMEX status), the ICE Futures US approved facilities list, and the BBB profile of the depository at bbb.org. Each provider in the comparison below works with at least one IRS approved facility.
IRA Creditor Protection Under RSA 511:2, X
New Hampshire RSA 511:2, X exempts assets held in a qualified retirement plan, individual retirement account, Roth IRA, simplified employee pension (SEP), SIMPLE IRA, or similar federally tax qualified plan from execution, attachment, or garnishment by creditors. The exemption covers the IRA wrapper, including the physical gold or silver held by an IRS approved depository on behalf of a self directed IRA.
Common exceptions to the exemption
- Federal tax liens. The Internal Revenue Service can reach IRA assets for unpaid federal taxes regardless of state exemption status.
- Qualified domestic relations orders (QDROs) and child support. Divorce decrees and child support enforcement orders can reach retirement assets.
- Restitution in criminal cases. Some criminal restitution orders override the exemption.
- Federal bankruptcy interaction. The Bankruptcy Abuse Prevention and Consumer Protection Act sets a federal cap on IRA exemption in bankruptcy (currently above $1.5 million, indexed for inflation), with rollover assets generally treated more favorably.
- Fraudulent transfers. Assets moved into an IRA in fraud of an existing creditor are not protected.
Physical metals held outside an IRA (personal possession, home safe, non IRA brokerage gold) do not receive the same statutory exemption under RSA 511:2, X. The creditor protection applies to the IRA wrapper, not to the asset class itself. Consult a New Hampshire licensed attorney for situation specific creditor planning.
No New Hampshire Estate or Inheritance Tax
New Hampshire imposes no state level estate tax and no inheritance tax. The Legacy and Succession Tax under former RSA 86 was repealed effective January 1, 2003. The Estate Tax under former RSA 87 followed federal rules and effectively ended after the federal pickup tax credit was phased out. New Hampshire residents leaving an estate to heirs face no New Hampshire state level transfer tax.
Federal estate tax still applies on estates above the federal unified exemption (currently above $13 million for an individual estate, indexed for inflation under the Internal Revenue Code). Inherited IRA assets remain subject to federal income tax on distributions received by the beneficiary under the rules in IRS Publication 590-B. The Setting Every Community Up for Retirement Enhancement (SECURE) Act of 2019 generally requires non spouse beneficiaries of an IRA to distribute the account within 10 years, with limited exceptions for eligible designated beneficiaries.
For a New Hampshire resident planning a self directed gold IRA as part of a multi generational wealth transfer, the state level outcome is favorable: no New Hampshire estate or inheritance tax applies. The federal income tax obligation on inherited IRA distributions persists. Consult a New Hampshire licensed estate planning attorney for situation specific guidance.
Verifying a Provider: New Hampshire Bureau of Securities Regulation and BBB
New Hampshire residents researching a gold IRA company have four free verification channels before signing any paperwork. None requires sharing personal data with the provider first.
New Hampshire Bureau of Securities Regulation
The New Hampshire Bureau of Securities Regulation, within the Office of the Secretary of State, registers and regulates securities offerings, broker dealers, and investment advisers operating in New Hampshire under the New Hampshire Uniform Securities Act (RSA 421-B). For self directed gold IRA providers, registration scope depends on whether the company operates as a precious metals dealer, an investment adviser, or an IRA setup intermediary. The Bureau publishes registration lookups and a complaint form at sos.nh.gov/securities. Filing a complaint or running a lookup creates a record and costs nothing.
New Hampshire Attorney General Consumer Protection Bureau
The New Hampshire Attorney General Consumer Protection and Antitrust Bureau accepts consumer complaints, investigates deceptive trade practices under the New Hampshire Consumer Protection Act (RSA 358-A), and publishes consumer alerts. The complaint form is available at doj.nh.gov/consumer. Complaints against precious metals dealers selling into New Hampshire can be filed here, regardless of where the dealer is headquartered.
Better Business Bureau profiles
Verify each provider’s BBB profile through bbb.org. Look at the rating, accreditation status, time accredited, complaint volume over the past three years, complaint resolution rate, and any government actions disclosed. Cross check Trustpilot, Google Reviews, and the SEC’s investor.gov for any registered investment adviser filings.
SEC and FINRA fraud alerts
The Securities and Exchange Commission publishes investor bulletins on investing in gold, and FINRA publishes alerts on precious metals fraud red flags. Both are free, both apply nationwide, and both are useful for spotting high pressure sales tactics that should disqualify a provider.
Gold IRA Providers Available to New Hampshire Residents
The three providers below all serve New Hampshire residents and operate under federal IRS Publication 590-A standards for self directed precious metals IRAs. Each section lists what the company actually offers (verified against the company’s own public marketing), not promotional framing.
Augusta Precious Metals
RANK 1 Education first onboarding, Beverly Hills HQ, Money Magazine award 2022 to 2026What differentiates Augusta for New Hampshire investors
Augusta operates an education first process described on its home page as Learn, Talk, Decide: customers start with a 2026 Gold IRA Guide, then schedule a one on one web conference with a salaried, non commissioned educator, then decide whether to proceed. The salaried not commissioned structure is stated directly on augustapreciousmetals.com. For New Hampshire residents who value a slow paced, education heavy approach over a fast self serve flow, this fits.
Augusta has held a BBB A+ rating with zero complaints (accredited since 2014, per BBB) and reports more than 4,000 five star ratings across Trustpilot, Google, and Consumer Affairs. Money Magazine has named Augusta Best Overall Gold IRA Company for 2022 through 2026. CEO Isaac Nuriani and Director of Education Devlyn Steele are named on the company’s about page.
Fees and costs
Augusta advertises a multi year fee waiver for qualifying rollover accounts. The specific terms are reviewed during the free consultation and may vary based on account size. Industry coverage from Money.com and Investopedia reports a minimum investment around $50,000, though this is not stated on Augusta’s home page. Verify current terms with Augusta directly.
Process and depository (New Hampshire angle)
Augusta works with a qualified self directed IRA custodian (per the company’s public statements) and an IRS approved depository. The specific depository options are shared during the consultation rather than published publicly. New Hampshire residents will store metals at an out of state IRS approved facility. There is no Augusta office in New Hampshire; all IRA setup is conducted remotely.
Pros
- Salaried (non commissioned) educator model reduces high pressure sales risk
- BBB A+ rating, zero complaints, accredited since 2014
- 4,000+ five star aggregate ratings (Trustpilot, Google, Consumer Affairs)
- Multi year fee waiver structure available on qualifying accounts
Cons
- $50,000 industry-reported minimum filters out smaller New Hampshire savers
- Required web conference adds a step compared with self serve dealers
- Specific depository options not published publicly (shared in consultation)
Birch Gold Group
RANK 2 Established 2011, 40,000+ customers, five depository network including DelawareWhat differentiates Birch for New Hampshire investors
Birch Gold Group reports more than 40,000 customers since 2011 on birchgold.com. The company publicly lists five partner depositories: Delaware Depository, Brink’s Global Services, International Depository Services, Texas Precious Metals Depository, and Texas Bullion Depository. For New Hampshire residents who want the option of Delaware based storage (the closest practical Eastern Seaboard IRS approved depository), Birch publishes the broadest and most New Hampshire friendly depository network of the three providers compared here.
Birch has a BBB A+ rating and AAA rating from the Business Consumer Alliance, both verifiable on the company’s about page. Public endorsers include Ron Paul, Stephen K. Bannon, Clay Travis and Buck Sexton, Dan Bongino, Megyn Kelly, Chad Prather, and Lance Wallnau. New Hampshire residents who do not value media endorsements can ignore that signal. The BBB rating, customer count, and depository network are the substantive data points.
Fees and costs
Birch does not advertise a fee waiver on its public site. Industry coverage reports a minimum investment around $10,000, lower than Augusta’s $50,000 industry-reported figure. The lower entry point opens Birch to a larger pool of New Hampshire savers, including those starting with a partial 401(k) rollover.
Process and depository (New Hampshire angle)
The Birch process is a one on one Birch Gold Specialist call followed by paperwork handled through an in house IRA Department. During the call, New Hampshire residents can choose among Birch’s five partner depositories based on storage location preference. Delaware Depository in Wilmington is the closest geographic option for New Hampshire residents; the two Texas based facilities offer alternative storage.
Pros
- Five publicly named partner depositories (Delaware, Brink’s, IDS, Texas PMD, Texas BD)
- Delaware Depository is the closest practical option for New Hampshire residents
- Lower industry-reported minimum (around $10,000) opens access to more New Hampshire savers
- BBB A+ rating, AAA Business Consumer Alliance rating
- 14+ years operating history (since 2011)
Cons
- No public fee waiver structure advertised
- Sales process is commission incentivized (standard industry model, not salaried like Augusta)
- Media personality endorsements may not match all New Hampshire residents’ filtering criteria
Noble Gold Investments
RANK 3 16,000+ customers, Texas based depository, streamlined applicationWhat differentiates Noble for New Hampshire investors
Noble Gold Investments reports more than 16,000 customers and $2.5 billion in metals safeguarded on noblegoldinvestments.com. Noble’s marketing references industry experience going back to 2003, though Noble Gold Investments as a corporate entity is more recent. The company is headquartered in Encino, California, and operates a Texas based depository. New Hampshire residents using Noble will store metals at the Texas facility.
The application process is described publicly as four steps: simple application, connection with the trusted custodian, a Gold and Silver specialist call, and metal selection. Noble also publicly offers a non IRA home delivery option for precious metals, which does not qualify for IRA tax treatment but is available for direct purchase. New Hampshire residents should not confuse the home delivery product with the IRA product; they have different tax and creditor outcomes under New Hampshire law.
Fees and costs
Noble does not advertise a fee waiver. Industry coverage reports a minimum investment around $20,000, between Birch and Augusta. Specific custodian and depository fees are shared during the application call.
Process and depository (New Hampshire angle)
Noble operates a Texas based depository, distinguishing it from Augusta (third party depositories) and Birch (five depository network including Delaware). For New Hampshire residents the Texas only model places metals in a relatively distant out of state facility compared with Delaware. The single vendor structure does simplify the chain of custody for residents who weight that over choice of facility. There is no Noble office in New Hampshire; all IRA setup is conducted remotely.
Pros
- Single vendor Texas depository simplifies the chain of custody
- $20,000 industry-reported minimum, mid range entry point
- Non IRA home delivery option available for direct purchase (separate from IRA product)
- Streamlined four step application path
Cons
- Founding year framing requires careful reading (corporate entity is more recent than the 2003 industry experience reference)
- Single Texas depository removes the Delaware option offered by Birch
- BBB rating widely reported as A+ but not confirmed on every public page
Full Comparison: Augusta vs Birch vs Noble for New Hampshire Investors
The table below compares the three providers on the criteria most relevant to a New Hampshire resident’s decision. Cells with a light green highlight indicate the strongest factual position on that row (not a value judgement on the provider as a whole).
| Criterion | Augusta | Birch | Noble |
|---|---|---|---|
| Founded (public) | 2012 | 2011 | Marketing references 2003; corporate entity more recent |
| Customer count | Not stated publicly | 40,000+ | 16,000+ |
| Headquarters | Beverly Hills, CA (secondary in Casper, WY) | Burbank, CA | Encino, CA |
| Minimum investment (industry-reported) | around $50,000 | around $10,000 | around $20,000 |
| BBB rating | A+ (accredited 2014, zero complaints) | A+ | A+ (industry-reported) |
| Closest depository for New Hampshire | Not publicly listed (shared in consultation) | Delaware Depository (Wilmington, DE) | Texas (single facility) |
| Depository options | IRS approved (specifics shared in consultation) | 5 depositories (Delaware, Brink’s, IDS, Texas PMD, Texas BD) | 1 (Texas based) |
| Sales staff structure | Salaried, non commissioned (stated publicly) | Specialist model (industry-standard commission) | Specialist call (industry-standard) |
| Fee waiver advertised | Multi year waiver on qualifying accounts | None advertised | None advertised |
| Process steps | Learn, Talk, Decide (education first) | Specialist + IRA Department paperwork | 4 step application |
| Awards (verifiable on site) | Money Magazine Best Overall (2022 to 2026), Investopedia Most Transparent | Endorsements (Ron Paul, Megyn Kelly, others) | None highlighted |
| Goldiew internal rating (verified users) | 4.71 / 5 | 4.43 / 5 | 4.67 / 5 |
| Non IRA option | Not the primary product | Not advertised | Home delivery (non IRA) |
No single provider wins every row. New Hampshire residents weighing this decision should pick the criteria that match their own situation, then choose the provider that wins on those criteria. The next section walks through who each provider fits best.
Which Provider Fits Your New Hampshire Situation?
None of these providers
New Hampshire residents starting with under $25,000 are below all three providers’ industry-reported minimums. Continue contributing to your existing 401(k) or IRA, build the balance, and revisit the gold IRA decision once you cross a meaningful threshold. Augusta in particular asks for $50,000 or more for the model to make sense.
Birch Gold Group
Delaware Depository in Wilmington is the closest practical IRS approved depository for New Hampshire residents. Birch publicly names Delaware Depository as one of its five partner facilities. Augusta does not publicly list its depository options. Noble uses a single Texas based facility. For New Hampshire residents who weight East Coast geographic proximity, Birch is the clearest fit.
Augusta Precious Metals
This is Augusta’s target customer. The salaried educator model, BBB profile, multi year fee waiver structure on qualifying accounts, and Money Magazine award history align with a New Hampshire filer at or near retirement age rolling over a substantial 401(k) or IRA. Schedule the free web conference and ask about depository options.
Birch Gold Group
Birch publicly names five partner depositories across Delaware, Texas, and Brink’s facilities. New Hampshire residents who want explicit storage choice published before the application call will find Birch the most transparent on this dimension.
A gold IRA may fit your New Hampshire profile if
- You have $25,000 or more in eligible retirement accounts
- You are within 10 years of retirement or already retired
- You have decided (independently or with your CPA) to allocate part of retirement holdings to physical precious metals
- You can hold the position for 5 or more years without needing liquidity
- You have factored in the 0 percent New Hampshire state tax on IRA distributions and confirmed your federal tax picture with your tax advisor
A gold IRA may not fit your New Hampshire profile if
- You have under $25,000 saved
- You may need to liquidate within 1 to 5 years
- You have not maxed out the employer 401(k) match (free money first)
- You have high interest debt outstanding (pay off first)
- You are uncomfortable with physical asset custody arrangements at an out of state depository
Two related Goldiew resources may help before you proceed: Gold Calculator: What Is Your Gold Worth Today? for understanding spot to product premium math, and How to Tell If Gold Is Real: 5 Home Tests for verifying physical metals you may already own.
Frequently Asked Questions
Does New Hampshire tax IRA distributions in 2026?
No. New Hampshire does not impose a broad based personal income tax on wages, salaries, pensions, or IRA distributions. Traditional IRA, 401(k), and 403(b) distributions paid to a New Hampshire resident in 2026 incur 0 percent New Hampshire state income tax. Federal tax still applies under standard IRS rules on the same distribution, reported on Form 1099-R. Roth IRA qualified distributions are tax free at both the federal and state level. Consult your tax advisor for your specific situation.
What is the New Hampshire Interest and Dividends Tax in 2026?
The New Hampshire Interest and Dividends Tax under RSA 77 was fully repealed effective January 1, 2025 by HB 2 of 2023. For tax year 2026 the rate is 0 percent. The phase-down schedule was 5 percent through 2022, 4 percent in 2023, 3 percent in 2024, and 0 percent in 2025 and after. The repeal applies to taxable interest and dividend income held outside qualified retirement plans (brokerage interest, non IRA dividend income, certain trust income). IRA distributions were never classified as interest or dividends under RSA 77, so they sat outside the I and D Tax framework before the repeal as well.
Does New Hampshire charge sales tax on gold and silver bullion?
No. New Hampshire imposes no general statewide sales tax (one of five states without one, along with Alaska, Delaware, Montana, and Oregon). Direct purchases of gold, silver, platinum, or palladium bullion and numismatic coins by a New Hampshire resident for personal possession in state are not subject to any New Hampshire sales tax. There is no separate New Hampshire bullion exemption statute because no general sales tax framework requires one. Out of state delivery from a dealer with nexus elsewhere may trigger that state’s sales tax. Consult your tax advisor for nexus specific situations.
Are IRAs protected from creditors in New Hampshire?
New Hampshire RSA 511:2, X exempts qualified retirement plan assets, individual retirement accounts, Roth IRAs, simplified employee pensions (SEP), and SIMPLE IRAs from execution, attachment, or garnishment by creditors. Common exceptions: federal tax liens, qualified domestic relations orders, child support, certain criminal restitution orders, fraudulent transfers, and the federal Bankruptcy Code cap in bankruptcy proceedings. Consult a New Hampshire licensed attorney for situation specific creditor planning.
Does New Hampshire have an estate or inheritance tax?
No. New Hampshire imposes no state level estate tax and no inheritance tax. The Legacy and Succession Tax was repealed effective January 1, 2003. Federal estate tax may still apply on estates above the federal unified exemption (currently above $13 million per individual, indexed for inflation). Inherited IRA assets remain subject to federal income tax on distributions received by the beneficiary under the rules in IRS Publication 590-B. The SECURE Act of 2019 generally requires non spouse beneficiaries to distribute the account within 10 years, with limited exceptions.
Where will my gold IRA metals be stored if I live in New Hampshire?
New Hampshire has no major IRS approved precious metals depository within its borders. New Hampshire residents who open a self directed gold IRA will store metals at out of state facilities, most commonly the Delaware Depository in Wilmington (the closest practical East Coast option), the Texas Bullion Depository in Leander or Texas Precious Metals Depository in Shiner, or Brink’s Global Services or International Depository Services facilities. The provider chosen determines the available facilities. Birch publicly names five partner depositories including Delaware, Noble uses one Texas based facility, and Augusta shares its options during the consultation.
What gold and silver products qualify for an IRA under IRS rules?
Per IRS Publication 590-A, IRA eligible precious metals must meet specific fineness standards: 0.995 fineness for gold (with the American Gold Eagle exception), 0.999 for silver, 0.9995 for platinum, and 0.9995 for palladium. The metals must be held by an IRS approved trustee or depository. Personal possession of IRA metals before age 59 1/2 (or before the rollover completes) triggers distribution treatment and potential penalties. Consult your tax advisor for your specific situation.
How do I verify a precious metals provider in New Hampshire before signing?
Use four channels: the New Hampshire Bureau of Securities Regulation (within the Office of the Secretary of State) for broker dealer and investment adviser registration; the New Hampshire Attorney General Consumer Protection and Antitrust Bureau for complaints history; the BBB profile for rating and complaint volume; and the SEC investor.gov and FINRA fraud alert pages for federal level red flags. None of these requires sharing your personal data with the provider first.
Is a gold IRA the same as buying gold coins for home storage?
No. A self directed gold IRA holds physical metals at an IRS approved depository under the IRA wrapper, with federal tax deferral on growth and the creditor protection of RSA 511:2, X. Home storage of metals is a direct purchase with no tax deferral and no statutory IRA creditor protection. The two are different products with different tax, custody, and creditor outcomes under both federal and New Hampshire law. Noble Gold Investments offers both products separately. Augusta and Birch focus primarily on the IRA product.
Sources and Methodology
- IRS Publication 590-A: Contributions to Individual Retirement Arrangements (IRAs) for federal IRA contribution and rollover rules.
- IRS Publication 590-B: Distributions from Individual Retirement Arrangements (IRAs) for federal IRA distribution rules and tax treatment.
- IRS Publication 915: Social Security and Equivalent Railroad Retirement Benefits for federal taxation of Social Security benefits.
- New Hampshire Department of Revenue Administration: Individual Taxpayer Information for current-year guidance.
- New Hampshire RSA 77 (Interest and Dividends Tax framework, repealed effective January 1, 2025 by HB 2 of 2023).
- New Hampshire HB 2 of 2023 for the accelerated Interest and Dividends Tax repeal.
- New Hampshire HB 2 of 2021 for the original Interest and Dividends Tax phase-down schedule.
- New Hampshire RSA 77-A (Business Profits Tax) and RSA 77-E (Business Enterprise Tax) for business activity taxes that do not apply to personal IRA distributions.
- New Hampshire RSA 511:2, X for IRA and qualified retirement plan creditor exemption.
- New Hampshire RSA 421-B (Uniform Securities Act) administered by the Bureau of Securities Regulation.
- New Hampshire RSA 358-A (Consumer Protection Act) administered by the Attorney General Consumer Protection and Antitrust Bureau.
- New Hampshire Bureau of Securities Regulation for broker dealer, investment adviser registration, and securities complaint filing.
- New Hampshire Attorney General Consumer Protection and Antitrust Bureau for consumer complaints and deceptive practices investigations.
- SEC Investor Bulletin: Investing in Gold for federal investor warnings.
- FINRA: Precious Metals Fraud Alerts for red flags to apply when evaluating any provider.
- Better Business Bureau for company profile verification (ratings, complaint volume, accreditation history).
- Provider public marketing pages verified during the most recent partner verification crawl: augustapreciousmetals.com, birchgold.com, noblegoldinvestments.com.
- Goldiew internal user reviews (manually moderated and verified) for the per-provider rating figures cited in the Quick Verdict and comparison table.
Methodology note. Provider rankings reflect Goldiew internal review aggregates and verifiable BBB profile data. The order does not reflect affiliate commission rates, which differ across the three providers. Provider facts (founding year, customer counts, BBB ratings, fee structures, depository networks) are cross-referenced against each company’s own public website plus the institutional sources above. Where industry coverage (Money.com, Investopedia) cites a figure not on the company’s own site, the figure is labeled “industry-reported.” This guide is reviewed for factual accuracy each quarter.