RC Bullion Review 2026: Manhattan Beach Dealer, Delaware Depository, Fees

Updated: August 9, 2026

OPRS may receive compensation when readers open an account through partner links elsewhere on this site. RC Bullion is not an OPRS affiliate partner and no tracked link to RC Bullion appears on this page. The analysis below is based on RC Bullion’s own live site, the company’s public disclosures at review time, IRC and IRS publications, and public federal enforcement dockets checked at review time.

Quick answer

RC Bullion, LLC is a small US precious-metals dealer based in Manhattan Beach, California, trading since 2013. The company operates a gold IRA funnel and stores IRA-titled metals at the Delaware Depository in Wilmington. Its public trust signal at review time is a Shopper Approved score of 5.0 out of 5 based on 32 ratings.

RC Bullion does not publish an IRA account minimum, does not publish a standing fee schedule, and does not name its IRA custodian on its public site. Its own risk disclosure states that RC Bullion and its agents are not registered or licensed by any government agencies. OPRS did not find any federal SEC, CFTC, or FTC enforcement action against RC Bullion in the public dockets checked at review time. RC Bullion is not on the OPRS 2026 trusted short list. This review is kept as a factual reference for readers comparing options against the dealers OPRS clears.

RC Bullion, LLC has been in the US precious-metals dealer space since 2013. It runs a Manhattan Beach head office at 1230 Rosecrans Avenue, Suite 300. Its inbound flow follows the standard rollover funnel: a phone call, a specialist, and a gold IRA opened with an unnamed third-party self-directed IRA custodian.

This review looks at what a prospective account holder can actually verify before signing paperwork. That means the corporate footprint, the third-party review record, the published minimums and fee terms, the custodian and depository chain, and the federal enforcement record. The tone is flat and factual, not promotional.

Before you route a rollover to any single dealer

The OPRS list of gold IRA operators to avoid names the dealers we currently caution against based on complaint history, state actions, and disclosure gaps. Three of the 27+ dealers reviewed by OPRS make the 2026 trusted short list, and the caution list is the fastest way to see who does not.

See the OPRS dealer caution list

Table of contents show

RC Bullion company profile

RC Bullion, LLC is a California-registered limited liability company. The site copyright footer reads 2013 to 2026, which places the company’s public trading history at roughly 13 years at review time. The head office sits at 1230 Rosecrans Avenue, Suite 300, Manhattan Beach, CA 90266.

The single sales line published on the company’s contact page is 213-465-4835. Published office hours are Monday through Friday from 6:30 AM to 4:00 PM Pacific time and Saturday from 7:00 AM to 3:00 PM Pacific time. There is no publicly listed secondary office and no separate walk-in retail location.

RC Bullion is a dealer, not a custodian and not a depository. It arranges the sale of physical gold, silver, platinum, and palladium into a self-directed IRA opened at a third-party trustee, and it coordinates shipment to an IRS-approved depository. Under 26 CFR §1.408-2(e), only an IRS-approved non-bank trustee may hold IRA-titled precious metals.

The company markets modern bullion, rare, and collectible coins, plus an IRA-eligible gold and silver product set. It does not identify its self-directed IRA custodian by name on its public site. It also does not identify the ownership entity behind the RC Bullion, LLC brand on the public site.

Third-party reviews and federal enforcement record

RC Bullion carries a Shopper Approved rating of 5.0 out of 5 stars based on 32 ratings and reviews as captured on the company’s own reviews page at review time. The 32-rating sample is small compared to the volumes reported by larger US gold IRA dealers, and the Shopper Approved data set is collected by a third-party review platform paid by the merchant.

The Better Business Bureau profile for RC Bullion, LLC was not accessible from the OPRS network at review time. Any BBB grade, accreditation date, or complaint count claim on external review sites should be verified by the reader directly against the current BBB profile before it is treated as a live signal.

OPRS also checked the federal enforcement dockets at review time. The SEC EDGAR full-text search for “RC Bullion” returns zero filings. The CFTC press-release archive does not name RC Bullion. The FTC public cases and proceedings index returns no substantive result. No open California attorney general action against RC Bullion was located in the public consumer index at review time.

The absence of a public enforcement record is not a guarantee of clean sales practices going forward. The SEC investor.gov glossary entry on self-directed IRAs flags the sales-cycle patterns worth watching for on any dealer, including spot-to-premium bait-and-switch and unsolicited call funnels.

RC Bullion’s own risk-disclosure page states that RC Bullion, LLC and its agents are not registered or licensed by any government agencies and are not financial advisors or tax advisors. That is a normal statement for a US bullion dealer, and it is also a reminder that the dealer’s sales staff is not a fiduciary.

Minimums, fees, and the custodian arrangement

RC Bullion does not publish a standing IRA account minimum on its public product pages. There is no dollar threshold on the site for opening a gold IRA account and no published rollover minimum for the standard IRA product.

RC Bullion also does not publish a standing fee schedule on its public site. The company’s public pages do not include a first-year account fee, an annual account fee, a storage fee, or a wire fee. That is a material transparency gap compared to peers that publish at least the annual account and storage line items.

The company does not name its self-directed IRA custodian on its public site. A prospective buyer only learns which trustee will hold the IRA after the first call. That means the recurring-cost stack, which runs on the custodian’s ticket rather than on a Bullion price sheet, cannot be shopped against peers before a specialist is on the phone.

What the buyer sees on the annual statement, once the account is open, is the custodian’s flat administrative fee plus the depository’s storage fee. What the buyer does not see, unless it is asked for by name, is the dealer’s own spread between the spot price and the coin or bar delivered. That spread is where RC Bullion earns its own revenue on the buy ticket.

The absence of a public fee schedule is not unique to RC Bullion. It is the industry norm for the US gold IRA sector. It is also the single most consistent reason OPRS advises readers to request a written custodian fee sheet and a written spot-plus-premium coin quote before any wire is sent.

Products, storage, and depository

RC Bullion offers IRA-eligible gold, silver, platinum, and palladium in coin and bar formats. The IRS purity floor is 99.5 percent for gold and 99.9 percent for silver, platinum, and palladium, per IRC §408(m)(3), with a statutory carve-out for the American Gold Eagle.

Typical RC Bullion IRA line items visible on the site are American Gold Eagles, American Gold Buffalos, Canadian Gold Maple Leafs, Austrian Gold Philharmonics, and standard 1-ounce gold bars. On the numismatic side, the company also markets rare and collectible coins, most of which are not IRA-eligible under the Section 408(m)(3) carve-out list detailed in IRS Publication 590-A.

IRA-titled metals for RC Bullion accounts are stored at the Delaware Depository in Wilmington, per the company’s own IRA product page. Delaware Depository is a Class 3 UL vault with reported all-risk insurance underwritten through Lloyd’s of London. It is one of a small set of vaults in routine use across the US gold IRA industry.

RC Bullion’s own product page states that account holders retain the option to visit their metals at the Delaware Depository. Segregated storage, where a specific account’s metals are held in a separately allocated position rather than commingled with other clients’ inventory, typically carries a higher annual fee than commingled storage. RC Bullion does not publish which storage election it defaults to.

Home storage of IRA-titled metals is not permitted under IRC 408(m). Any dealer that suggests home storage of IRA gold to a prospective buyer is not describing the tax code correctly, and the buyer should escalate the call.

Where RC Bullion sits in the wider US market

RC Bullion is a small US precious-metals dealer by public footprint. Its 2013 founding date puts it in the middle of the current cohort of gold IRA firms, and its 32-review Shopper Approved sample places it well below the volumes reported by top-tier US IRA dealers.

The company’s marketing lean is on generic rollover mechanics and a wide product menu rather than on a written education-first sales cycle. That places it closer to a traditional dealer footprint than to the education-forward posture of the current OPRS priority partner. The priority partner serves a similar buyer cohort but ships a company checklist and a schedule of one-on-one educational calls before the first buy ticket.

For readers comparing dealers, the useful anchor is the recurring-cost stack, not the front-of-page marketing. The 2026 gold IRA fee industry average lines up account setup, annual administration, and annual storage across the US dealer set. That is the surface an RC Bullion quote should ultimately be measured against.

What RC Bullion does well

Roughly 13 years of continuous trading in the US precious-metals space, dating to 2013.
Public Shopper Approved rating of 5.0 out of 5 stars across a 32-review sample at review time.
IRA-eligible inventory across gold, silver, platinum, and palladium in coin and bar formats.
Metals held at the Delaware Depository, one of the small set of vaults in routine use for US gold IRAs.
Physical viewing option cited by the company for account holders who want to visit their metals in person.
No public federal enforcement action from SEC, CFTC, or FTC located in the dockets checked at review time.

Where RC Bullion is weaker

No standing IRA account minimum is published on the public site, which makes cost-planning at signup guess-driven.
No public fee schedule of any kind, so the recurring-cost total has to be requested by phone on a case-by-case basis.
The self-directed IRA custodian is not identified by name on the public site, which prevents advance custodian comparison.
No published dealer-markup range on standard bullion coins, which is the largest single line item in the first-year cost.
The Shopper Approved sample of 32 ratings is small compared to the volumes reported by top-tier US gold IRA dealers.
The BBB profile is not linked or referenced from the RC Bullion public site, which slows independent verification of the complaint record.
Marketing pages reference rare, collectible, and pre-1933 US gold, which is generally not IRA-eligible under IRC 408(m)(3).

Should you use RC Bullion?

RC Bullion is a small, long-tenured US precious-metals dealer with no public enforcement record located at review time and a workable depository at the back end of its IRA offer. A well-prepared buyer who insists on a named custodian, a written custodian fee sheet, a recorded spot-plus-premium coin quote, and a bullion-only inventory can transact with RC Bullion without hidden traps.

RC Bullion is not on the OPRS 2026 trusted short list. That is not a caution flag against the company. It reflects OPRS priority routing to partners that ship a written company checklist and a scheduled education call before any first buy ticket, plus a public dealer-disclosure posture that RC Bullion does not currently match.

OPRS does not receive any compensation for RC Bullion sign-ups and does not link to the RC Bullion storefront from this page. The company’s own site is straightforward to find. Any reader who plans to open an RC Bullion account should also read the OPRS dealer caution list, the custodian framework, and the gold IRA scam checklist before wiring funds.

FAQ

Is RC Bullion a scam?

OPRS found no open enforcement action from the SEC, CFTC, FTC, or the California attorney general against RC Bullion, LLC in the public dockets checked at review time. The company has traded publicly since 2013 from a Manhattan Beach, California office. RC Bullion is a legitimate US precious-metals dealer, though its public disclosure of fees, minimums, and custodian identity is thinner than several peers.

What is the minimum to open an RC Bullion gold IRA?

RC Bullion does not publish a standing IRA account minimum on its public site at review time. A prospective buyer should ask for the current minimum in writing from the assigned specialist before agreeing to open an account.

Who is the custodian and depository for an RC Bullion IRA?

RC Bullion’s public IRA page names the Delaware Depository in Wilmington as the vault where IRA-titled metals are held. The self-directed IRA custodian is not named on the public site. A prospective buyer should ask for the custodian name in writing before signing custodial paperwork, since the recurring account fees run on the custodian’s ticket.

What fees does RC Bullion charge?

RC Bullion does not publish a public fee schedule at review time. Recurring account and storage fees are billed by the self-directed IRA custodian and the Delaware Depository, not by RC Bullion directly. The dealer’s own revenue comes from the spread between the spot price and the coin or bar delivered, which is not disclosed on the public site.

Where is RC Bullion located?

RC Bullion’s head office is at 1230 Rosecrans Avenue, Suite 300, Manhattan Beach, CA 90266. The published sales phone is 213-465-4835. Office hours are Monday through Friday from 6:30 AM to 4:00 PM Pacific time and Saturday from 7:00 AM to 3:00 PM Pacific time. The company has traded publicly since 2013.

Does RC Bullion have any regulatory actions on record?

OPRS located no SEC filings for RC Bullion in the EDGAR full-text search, no CFTC press releases naming RC Bullion, no FTC cases-and-proceedings hits, and no California attorney general consumer action at review time. RC Bullion’s own risk disclosure states that the company and its agents are not registered or licensed by any government agencies.

What should I check before opening any gold IRA account?

Read the OPRS dealer caution list, request a written custodian fee sheet, ask for the custodian name in writing, and ask for a recorded spot-plus-premium quote on the specific coins or bars being sold. Confirm each coin is IRA-eligible under IRC 408(m)(3). The OPRS custodian framework and the gold IRA rollover walkthrough cover the sequence in detail.

Sources cited

OPRS is not a financial, tax, or legal advisor. Dealer facts, fees, minimums, and public disclosures change over time and should be re-verified from the primary sources cited above before any account is opened. Past performance is not a guarantee of future results.

RC Bullion Review 2026: Manhattan Beach Dealer, Delaware Depository, Fees, and Where It Sits on the OPRS List