Lexi Capital Review

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Precious metals IRAs are becoming more and more popular these days. Since 1997, you have been able to store certain precious metals in your retirement account as a type of alternative asset. But the paperwork to do so can be complex. For this reason, there are companies that help you through the legal process. Then they help you invest in the precious metals you want.

Lexi Capital is one of dozens of precious metals IRA companies. At a glance, it offers a streamlined approach and tailored investment options. But how does it compare to the competition? Is it really the best company to invest with? This is what you should know.

  • Product Type: Precious Metals
  • Owner: Chris Mitchell (CEO)
  • Rating: 3.0/5

Important: Before we move on with this review...

Picking a company to invest with is a HUGE financial decision. We have done years of research (updated often) and want to share our results with you before you make this important decision.

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About Lexi Capital

Lexi Capital Review

Lexi Capital has been part of the precious metals industry for over a decade, having been founded by a team of entrepreneurs in 2010. The company was created because the owners saw that people's retirement accounts were suffering as a result of the economic recession and profit hungry banks. The goal was to give the general public access to tangible assets like precious metals, and to educate people about why precious metals are an important investment.

A precious metals IRA is a type of self-directed IRA that is held in precious metals. Every account must be stored in a licensed depository with an IRS-approved custodian. You can purchase your precious metals from whatever dealer you want, as long as the metals themselves meet IRS guidelines for holding in an IRA.

The global economy has gone through several serious upheavals in the past few decades. Precious metals tend to perform inversely to the stock market. When the stock market crashes, demand for these tangible assets goes up. To protect against a potential crash in the future, you can invest a portion of your portfolio in precious metals. That way, you have a cushion if there is any kind of economic turbulence.

Self-directed IRAs are different from traditional IRAs. With a traditional IRA, an investment manager chooses a combination of traditional investments to grow over time. But with a self-directed IRA, you have complete control over the assets you want to include. As long as you're compliant with the federal guidelines, you can mix alternative and traditional assets in whatever percentages you want.

Precious metals aren't the only type of alternative asset that you can hold in a self-directed IRA. You can also add real estate properties and even corporations to your retirement account.

Lexi Capital Mission

Lexi Capital Review

It's common for precious metals dealers to offer IRA investment products. They make it easy for you to secure platinum, palladium, gold, and silver for your retirement. And then they stop caring about your financial future.

Lexi Capital, on the other hand, is built entirely around the financial future of the client. The owners firmly believe that precious metals are only a worthwhile investment if you're making wise choices. That means that you need to understand the different available options instead of going in blind.

There are many precious metals dealers that offer a huge range of bullion, collectibles, copper, and other rarities. You might be able to browse these markets specifically by IRA offerings, but they won't have a lot of insights about the best choices. There are fewer companies that only offer items that you can secure in an IRA.

Lexi Capital is even rarer. Not only are their products all available to put into an IRA, but they only sell the IRA products that have strong growth over time. This means that their selection of items is much smaller than that of the competition. But it also means that you know that no matter what you choose, you're picking something that's been hand-selected to show strong investment performance.

Of course, there's never any guarantee of returns. The company makes predictions for the future of these items based on their past performance. But no one can know the future for certain.

Gold Assurance Plan

Lexi Capital Review

The Gold Assurance Plan is one of Lexi Capital's most unique assets. However, their website doesn't have a lot of information about how it works. They explain the basics, but to learn the rest, you'll need to request one of the company's free investor kits.

With the Gold Assurance Plan, you'll have access to a repricing policy that lasts for six months. Basically, your investment will be protected against market crashes in the short term. If you decide that you want to sell your items back to the company because of how the investment is performing, you can do that within a six month period.

The company does this to alleviate some of the anxiety around short term losses. The plan acts as a guarantee that if the market crashes so badly that you desperately want to cut your losses, you can do so without losing your whole investment. But at the same time, you're encouraged to hang onto the precious metals for longer periods of time, as they tend to grow slowly to match inflation.

If your coins are eligible for the plan, they will be protected for six months after the purchase. Each coin has a maximum protection of $500 an ounce. So if you lose more than $500 on each one ounce coin, there will be limitations on how much you can recoup if you sell.

Your company representative will tell you whether or not you qualify for the plan when you make your purchase. Many of the coins are automatically eligible. If you want to add your bullion to the plan, you can do so, though you will need to pay a fee.

The assurance plan is part of the company's client education mission. They want clients to understand how precious metals can benefit them in the long run, allowing them to have more confidence in their future endeavors.

Company Policies

Lexi Capital Review

There are a variety of transparent policies regarding shipping, packaging, items in your order, cancellation, returns, and other minutiae.

If you make a purchase through Lexi Capital, you will need to meet a minimum order threshold of $1,500. This remains the same no matter what payment method you use. People in the US will need to pay a flat fee of $14.95 for their order to ship. But if your order is more than $15,000, you will get free shipping.

There are other companies that offer free shipping at a much lower threshold. This may be a drawback if you're invested in getting a purchase with as few additional costs as possible.

When you are given your price quote, this is what you can expect to pay using a credit card. But if you use any other method of payment, you'll get a 3% discount on that price. The other available methods of payment are:

  • Cash
  • Bank wire transfer
  • Trading other precious metals
  • Mailing in a check or cashier's check

Credit cards will always be approved as a method of payment. Cash payments, money orders, checks, and bank wire transfers will need to be approved individually based on your case.

Cancellation Policy

Lexi Capital Review

As soon as your confirmation number is issued, your pricing is considered final. That goes for both purchases and sales. You will be expected to pay the total or to send the agreed-upon precious metals through the mail.

But the company also says that they know there are rare circumstances that necessitate a cancellation. If you have to cancel the order, you'll need to contact the company during business hours on the weekdays in EST. You will need to pay a $45 fee for the cancellation, and you will also be subject to payment for market losses.

The only way to have a cancellation approved is through a phone call. You cannot do it by email. Your company representative will tell you your cancellation number. That is the moment at which the market losses and fee will be charged. You also will not be allowed to place any new orders until you have completely covered the cost of the market loss and cancellation fee.

There is also a return policy, though you will need to be quick about it. Your items can be refunded or exchanged in the three day period after you receive them. But you must call to tell the customer service department in that time period.

Is Lexi Capital a Scam?

Lexi Capital Review

Lexi Capital is not a scam. This is a legitimate business with an accreditation from the BBB. They focus on helping people to accumulate gold and silver investments over time, rather than just having a one-and-done account setup process. Their goal is to help consumers make the best choices for their unique investment needs.

It's true that different types of precious metals perform differently based on economic factors. Any consumer who wants to diversify their portfolio should learn about the different risks and benefits of coins, bars, gold, silver, and other metals. But Lexi Capital isn't the only company to offer this education.

There's nothing that sends up overt red flags about Lexi Capital's setup. They are forthcoming about their company mission and their offerings, and they don't have many complaints online. But it's also hard to find neutral and positive customer feedback from past consumers.

That means that it's difficult to determine how satisfied customers have been in the past. By comparison, there are competing precious metals IRA firms that have hundreds or even thousands of verified reviews from satisfied consumers. Though Lexi Capital claims that they stand apart from the rest, they don't offer anything that you can't get with these other companies.

But if you like their approach to gold and silver investment, there's nothing stopping you from getting started.

Pros & Cons of Lexi Capital


  • Gold Assurance Plan comes with a six month return policy.
  • Company focuses on IRAs with an express IRA application.
  • Strong focus on investing in gold and silver for retirement.


  • Website lacks some details about the company's products and services.
  • It sometimes takes a while for phone calls to be answered or returned.
  • Very few customer reviews are available online, so it's hard to say whether people are satisfied with their service.

Final Thoughts

Lexi Capital is a precious metals IRA company that aims to empower people to make long-lasting financial decisions. They don't just want to sell you precious metals and send you on your way. They want to work with you to develop a gradual investment plan that adheres to your long term goals, risk tolerance, and budget.

The company seems to have a good plan in place. Their policies and services are solid. But they don't have the same number of reviews that some of their competitors do. It's hard to find reliable information about what their customers think, at least if you're looking at third party websites.

This isn't necessarily a red flag in itself. It could just be a sign that Lexi Capital has a smaller client base, or that they do a lot of their business offline. But if you have to choose between a company with excellent consumer reviews and a company with no feedback, it's pretty obvious which has the better reputation.

Overall, we believe that there is a better option when it comes to your investment.

The above company is our top recommendation after doing extensive research. Feel free to keep doing your own research, or you can visit Lexi Capital below!

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