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Lear Capital Reviews

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About Lear Capital

Lear Capital has been involved in the precious metals industry since 1997. In its nearly 30 years of operation, the company states that it has assisted more than 100,000 investors with over $3 billion in transactions, including $1 billion in precious metals IRA transactions. Lear Capital helps its clients buy, sell and trade bullion, rare coins and physical gold and silver.

Visit www.learcapital.com
Pros
  • Transparent pricing
  • Full-service gold dealer
  • 24-hour risk-free purchase guarantee
Cons
  • Website can be hard to navigate
  • Only one depository option

Helpful Reviews

Keller, VA
Verified purchase
Lear Capital staff explained the purchasing process for all precious metals in a very professional manner, making it easy for even a simple person like me to understand. I think L...

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Leland, NC
Verified purchase
I was very satisfied with the customer service that Lear Capital provided to me when I purchased an on-line silver order. Lucy answered the questions that I had when I used PLAID ...

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Gold and other precious metal IRAs are an investment and carry risk. Consumers should be alert to claims that customers can make a lot of money in these or any investment with little risk. As with any investment, you can lose money and past performance is not a guarantee of future performance results. Consumers should also obtain a clear understanding of the fees associated with any investment before agreeing to invest.

What is Lear Capital?

Lear Capital is a precious metals dealer that can help you diversify your investment portfolios with precious metal bullion (coins and bars by weight), numismatic coins and precious metal IRAs. Lear Capital also provides real-time customer support and access to daily and weekly updates. However, it’s important to note that the company is not an investment or financial advisor, and it is not required to act as a fiduciary.

How does Lear Capital work?

When you establish a precious metals IRA with Lear Capital, a dedicated account team member walks you through the application process, which takes about 10 minutes to complete. Once the application is processed and approved, your account is set up within 24 hours.

Lear Capital then reaches out to your current IRA custodian on your behalf to arrange for the tax-free rollover of your funds. The funds are transferred via bank wire and deposited into your new precious metals IRA.You can then arrange to buy precious metals for your IRA. All IRA metals are stored in an IRS-approved vault courtesy of Delaware Depository. The minimum to open a precious metals IRA is $10,000.

Reviews often note that Lear Capital’s knowledgeable representatives and no-pressure approach help make the IRA account setup process easy, even for first-time investors. Describing her onboarding phone consultation, Angela from Washington said, “[The account rep] took the time to explain every step... the entire process of rolling over my 401(k) to Lear Capital was smooth, straightforward, and stress-free.”

Lear Capital products and services

Lear Capital offers a variety of products and services, including:

  • Self-directed IRAs: You can transfer funds or roll over portions of an existing IRA into a precious metals IRA. Your physical metals are stored in a private storage facility, but you get the same tax advantages as you would with a normal IRA.
  • Precious metals: You can buy rare coins and gold, silver and platinum bullion (including IRA-eligible products) on Lear Capital's website.

Lear Capital also has an extensive resource library that includes a precious metals encyclopedia, market charts and free guides on precious metals and retirement accounts.

Lear Capital cost

If you choose electronic statements and nonsegregated storage, Lear Capital charges a flat $315 fee for self-directed IRAs in the first year; the annual fee drops to $235 starting in the second year. This price includes storage and insurance. It costs an additional $50 per year if you prefer segregated storage. Fees may be reimbursed for investments above $25,000.

Pricing for individual gold, silver and platinum products varies over time, so it's a good idea to check Lear Capital's website or call to see the latest information.

Lear Capital FAQ

Which coins are IRA-eligible?

A full list of Lear Capital's IRA-eligible coins can be found on its website. In general, gold bullion must be at least 99.5% pure, silver bullion must be 99.9% pure, and platinum bullion must be 99.95% pure.

How can I track the performance of my Lear Capital portfolio?

Round-the-clock access to your portfolio's performance is available via the secure website of Lear Capital’s IRA custodian, Self Directed IRA Services, Inc. The custodian also provides quarterly statements that can be mailed directly to your home address.

Where are my metals stored with Lear Capital?

Lear Capital stores client metals with Delaware Depository, which is an IRS-approved depository. The depository also provides a comprehensive insurance policy underwritten by Lloyd's of London.

Can I make contributions to my Lear Capital account?

Yes, you can set a recurring schedule to have your contributions automatically transferred into your precious metals IRA.

Did Lear Capital file for bankruptcy?

Yes, Lear Capital filed for bankruptcy in 2022 and completed a Chapter 11 reorganization in 2024. The company continued to operate during the bankruptcy process and restructured its finances as part of the reorganization. Lear Capital states that following the reorganization, it made changes to improve transparency and customer experience.

At the time of the filing, the company was being investigated by state securities regulators for violating consumer-protection laws and engaging in deceptive practices, misleading marketing and inadequate fee disclosures. It had also been sued by the city of Los Angeles (in 2019) and the state of New York (in 2021). As part of its bankruptcy settlement, Lear Capital agreed to pay $5.5 million to compensate investors affected before the restructuring.

Still have questions?

Is Lear Capital legit?

Yes, Lear Capital is a legitimate precious metals dealer that has been in business since 1997. Consumer reviews frequently praise the company's customer service, calling out its representatives’ professionalism, no-pressure sales approach and clear explanations. "No hype, no pressure and business with a positive tone,” said Mark from North Carolina.

From 2022 to 2024, Lear Capital underwent a financial restructuring as part of Chapter 11 bankruptcy proceedings, following several years of investigation and legal actions from city and state authorities in California, New York and other jurisdictions. However, the company states that it has since addressed its legal and financial obligations and improved its transparency practices.

A fiduciary is required by law to act in their clients’ best interests.

Despite these issues, consumer review trends have remained positive. Verified customer reviews on ConsumerAffairs date back to 2015, with a consistent dissatisfaction rate of less than 7%. With an average rating of 4.8 stars and more than 1,600 reviews as of publication, this indicates a high overall level of customer satisfaction.

That said, the small number of negative reviews posted within the past year tend to complain about pricing transparency concerns, markup disputes and distribution delays. “I realized I was overcharged by approximately 36% on my gold purchase,” Komal from New Hampshire told ConsumerAffairs.

Working with Lear Capital to diversify your investment portfolio may suit your needs if you want multiple alternatives for investing in precious metals. It offers bullion, numismatic coins and self-directed IRAs. In comparison to many gold IRA companies, Lear Capital’s flat fee structure is clear and straightforward.

Lear Capital also provides market data, insights and price notifications to help active investors protect and grow their investments. These resources can help you make informed decisions about your investments, since Lear Capital does not provide investment advice and is not a fiduciary.

Lear Capital Reviews

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    3 featured reviews
    How do I know I can trust these reviews about Lear Capital?
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    • Our moderators read all reviews to verify quality and helpfulness.
    Page 1 Reviews 0 - 35
    Verified purchase
    Customer ServiceStaff

    Reviewed Sept. 30, 2026

    Lear Capital was happy to accept my account during the merger from equity trust that went out of business and it has been a pleasure from the first phone call till now, the people that work at Lear Capital like Lucy are very professional and they know how to manage your assets for the coming future of your IRA retirement. It has been a great privilege and honor to be with a well-known company as Lear Capital. Thank you so much for taking in my precious metals.

    Thanks for your vote!
    Lear Capital
    Response from Lear Capital

    Ronald, thank you for your encouraging words about Lucy! We are thrilled to hear that you have found her to be professional and knowledgeable and that your transition to Lear Capital has gone smoothly. Thank you for choosing Lear Capital.

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      Verified purchase
      Customer ServiceStaff

      Reviewed Sept. 15, 2026

      Att: Management/Customer Service/Review. I am so pleased with another silver purchase from Brendan ** at Lear Capital. Mr. **'s professionalism, efficiency, helpfulness and pleasant nature have once again made my silver purchase a delightful experience. I will always make my future purchases from him. Lear Capital is fortunate to have such a fine agent in their employ!

      Respectfully,

      Jacqueline **

      Lear Capital is fortunate to have such a fine agent in their employ!

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      Lear Capital
      Response from Lear Capital

      Jaylene, thank you so much for your enthusiastic words about Brendan! We are thrilled to hear he was professional, efficient, and helpful and that he made it a delightful experience. Thank you for choosing Lear Capital.

      Verified purchase
      Staff

      Reviewed Aug. 18, 2026

      I was so dreading even starting the process of doing a liquidation, because these kind of things are not my area of expertise by any means. But Dmitri really did all the work and explained every step in detail so I knew what to expect and what to do, so it was actually very easy for me. So, thank you Dmitri for your help and for being so pleasant to work with. He deserves 10 stars.

      Thanks for your vote!
      Lear Capital
      Response from Lear Capital

      Carol, thank you for your gracious words about Dmitri. We are so glad to hear that he explained every step and made the process easy for you. Thank you for choosing Lear Capital.

      Verified purchase
      Customer ServiceStaff

      Reviewed July 21, 2026

      Derek ** is the senior account executive who worked with me throughout the process that led to my purchase with Lear Capital. He was professional, friendly and knowledgeable about the industry to fully answer my inquiries and further explain to educate me in order for me to make an informed decision that best fit my investment needs and goals. I should add that he was also patient throughout the process of multiple phone calls and questions. I am confident in my decision to invest with Lear Capital. As a matter of fact, I have already referred someone to Mr. ** and am going to refer someone else this week. Thank you Mr. ** and Lear Capital! Julia

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      Lear Capital
      Response from Lear Capital

      Julia, thank you for taking the time to share such a thoughtful review! We appreciate hearing that Derek was professional, friendly, and knowledgeable and that he was able to help inform you so that you can meet your goals. Thank you for your referrals and thank you for partnering with Lear Capital.

      Verified purchase
      CoveragePriceStaffRates

      Reviewed July 17, 2026

      Mr. Dmitri **, Senior Account Executive is an excellent representative of Lear Capital LLC. Dmitri guided me through a precise step-by-step process of selling my gold bars after a very competitive price offer, to Lear Capital. This was my first experience with selling my gold and I was apprehensive about putting my gold in a box and sending it off to any company. Dmitri reassured me that Lear Capital is a highly reputable company and that my gold was fully insured during the shipping process. Everything went exactly as Dmitri said that it would. I'm extremely pleased and have received my check from Lear Capital and deposited it into my bank account. I will do business with Lear Capital again and highly recommend them to family and friends.

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      Lear Capital
      Response from Lear Capital

      David, thank you so much for sharing your gracious feedback. We are thrilled to hear that Dmitri was helpful, informative, and reassuring and that he was able to ease anxiety about parting with your precious metals. Thank you for your recommendation and thank you for partnering with Lear Capital!

      Verified purchase
      Customer ServicePunctuality & SpeedStaff

      Reviewed Sept. 29, 2026

      Dimitri is always professional and friendly. His prompt response is much appreciated.

      Thanks for your vote!
      Lear Capital
      Response from Lear Capital

      Helen, thank you for your helpful words about Dmitri. We love hearing that he is professional, friendly, and prompt. Thank you for partnering with Lear Capital!

      Verified purchase
      Customer ServicePunctuality & SpeedStaff

      Reviewed Sept. 28, 2026

      Mr ** was very helpful and patient with all my concerns and inquiries, and promptly returned calls just as he said he would. Very Thoughtful for all the help.

      Thanks for your vote!
      Lear Capital
      Response from Lear Capital

      Clifford, thank you for your kind words about Bradford! We love hearing that he was helpful, patient, and prompt in his follow up. Thank you for choosing Lear Capital.

      Verified purchase
      Customer Service

      Reviewed Sept. 28, 2026

      Our experience with Radd was very positive - he took the time to make sure we understood the process and how the market worked. We look forward to doing more business with him. Thanks.

      Thanks for your vote!
      Lear Capital
      Response from Lear Capital

      George, thank you for sharing your experience with your representative! We love hearing that he took the time to educate you and that you would work with him again. Thank you for choosing Lear Capital.

      Verified purchase
      Staff

      Reviewed Sept. 26, 2026

      Nick and Ira were exceptional and helped me transfer my precious assets in such a way that I felt very confident in choosing Lear Capital. They both were informative and straightforward in explaining suggestions to ensure solid results for my investment. I’m very pleased.

      Thanks for your vote!
      Lear Capital
      Response from Lear Capital

      Harold, thank you for your gracious feedback about Nick and Ira. We are thrilled to hear that they were informative, straightforward, and that they helped you feel very confident during your transfer. Thank you for choosing Lear Capital!

      Verified purchase

      Reviewed Sept. 24, 2026

      Peter spent over an hour explaining my options and the results I would achieve as a result of my choices. He also answered any questions I might have as a result of my decisions.

      Thanks for your vote!
      Lear Capital
      Response from Lear Capital

      Charles, thank you for your encouraging words about Peter! We love hearing that he was helpful and informative and that he answered all of your questions. Thank you for choosing Lear Capital.

      Verified purchase
      Staff

      Reviewed Sept. 17, 2026

      Dimitri was extremely helpful throughout the process of buying my precious metals. He went over and beyond by educating me appropriately. I felt taken care of and very comfortable as if my hand was being held by a parent to guide me through a 4 lane highway.

      Thanks for your vote!
      Lear Capital
      Response from Lear Capital

      Olu, thank you for your kind words about Dmitri. We love hearing that he was helpful, and exceeded your expectations during the buying process, making you feel comfortable. Thank you for choosing Lear Capital.

      Verified purchase

      Reviewed Sept. 16, 2026

      Lear Capital has delivered professionally exactly as they said they would. Really appreciate it.

      Thanks for your vote!
      Lear Capital
      Response from Lear Capital

      William, thank you for sharing your encouraging review. We love hearing that you found us professional and true to our word. Thank you for choosing Lear Capital.

      Verified purchase
      Customer ServicePunctuality & SpeedStaffBilling

      Reviewed Sept. 16, 2026

      We have been with Lear Capital for several yrs. and William is always helpful. He is very knowledgeable in the metals and is always quick to return calls. We have bought and sold metals through Lear and it had always been with William's help. Thank you William (Bill).

      Thanks for your vote!
      Lear Capital
      Response from Lear Capital

      Dezra, thank you for sharing your positive experience! We love hearing that William is helpful, knowledgeable, and quick to return your calls. Thank you for partnering with Lear Capital.

      Verified purchase
      Customer ServiceRates

      Reviewed Sept. 10, 2026

      I recently had a metals purchase with Lucy ** that was extremely satisfying. From the start of the call to the finish it was to the point and professionally accomplished. She is fun to chat with and has your best interests in mind. The experience I have had with her and Lear Capital have been exceptional. I would recommend them to anybody that asks.

      Thanks for your vote!
      Lear Capital
      Response from Lear Capital

      Bob, thank you so much for your kind words about Lucy. We love hearing that she was fun and helpful throughout the whole process and that you were satisfied. Thank you for your recommendation and thank you for choosing Lear Capital!

      Verified purchase
      Punctuality & SpeedStaffHonesty & Transparency

      Reviewed Sept. 9, 2026

      Lucy was very friendly, helpful, polite, and very knowledgeable about precious metals. She was easy to understand and kept her commitments. She was very honest and processed things quickly. She helped me get everything in order (as a new customer). She also had suggestions for dealing with a situation involving Thor Metals.

      Thanks for your vote!
      Lear Capital
      Response from Lear Capital

      Mitchel, thank you for sharing your experience working with Lucy. We are pleased to hear that she was friendly, helpful, and knowledgeable and that she made it easy to understand, especially as a new customer. Thank you for choosing Lear Capital.

      Verified purchase

      Reviewed Sept. 9, 2026

      Great people, Great product, they are awesome. Thanks Much Josh!!!

      Thanks for your vote!
      Lear Capital
      Response from Lear Capital

      Michael, thank you for your kind words about Josh! We love hearing that you were pleased with us and the product. Thank you for choosing Lear Capital.

      Verified purchase

      Reviewed Sept. 2, 2026

      Was nervous to send large amounts of gold and silver to unknown persons/company. But was well assured all was good and I was in good hands for security. The transaction went smoothly and easy, even with me checking every day for something happening.

      Thanks for your vote!
      Lear Capital
      Response from Lear Capital

      Dale, thank you for sharing your helpful experience! We love hearing that it went smoothly and easily. Thank you for choosing Lear Capital.

      Verified purchase
      Punctuality & SpeedStaffBilling

      Reviewed Aug. 28, 2026

      I am a customer who needed some assistance in redeeming some of my Silver coins I had purchased over a year ago. I had an emergency come up that needed my immediate attention, to sell and get a check in my hands as soon as possible. That's when Bill ** came to my aid. He helped me expedite the transaction quickly and efficiently! The transaction was confirmed right away. Thank you, Bill!

      Thanks for your vote!
      Lear Capital
      Response from Lear Capital

      Joan, thank you for taking the time to share your helpful experience. We are so glad that Bill was able to assist you and meet your needs quickly and efficiently. Thank you for partnering with Lear Capital.

      Verified purchase
      Staff

      Reviewed Aug. 27, 2026

      I absolutely love working with Joanne. She is so helpful and friendly. We have really connected, she is such a sweet gal. She does not pressure you into buying anything and always wants to make sure I am happy with the coins. She is the BEST!

      Thanks for your vote!
      Lear Capital
      Response from Lear Capital

      Gayle, thank you for your enthusiastic review of Joanne. We are thrilled to hear that you have connected and that she has been able to assist you in your transactions. Thank you for choosing Lear Capital.

      Verified purchase
      Staff

      Reviewed Aug. 27, 2026

      Conor was very helpful in providing me the information I requested.

      Thanks for your vote!
      Lear Capital
      Response from Lear Capital

      Mark, thank you for taking the time to share your kind words about Conor. We love to hear that he was helpful and informative. If there is anything we can do to improve your experience, please reach out to CustomerCare@learcapital.com or 1-800-885-LEAR (5327). Thank you for choosing Lear Capital.

      Verified purchase
      Customer ServiceStaff

      Reviewed Aug. 26, 2026

      Dimitri made the entire process so easy! He is incredibly patient, always answers all of our questions, never gets frustrated, and is persistent with his follow ups. He truly goes above and beyond to make sure everything is taken care of. We couldn’t be happier with the experience!

      Thanks for your vote!
      Lear Capital
      Response from Lear Capital

      Eduardo, thank you for your kind words about Dmitri. We love hearing that he made the process easy, was patient, knowledgeable, and followed up consistently. Thank you for choosing Lear Capital.

      Verified purchase
      Punctuality & SpeedStaff

      Reviewed Aug. 25, 2026

      Joann was extremely helpful and good to deal with. She listened to my questions and understood what I wanted, and fulfilled my order promptly.

      Thanks for your vote!
      Lear Capital
      Response from Lear Capital

      Eugene, thank you for sharing your encouraging words about Joanne. We are thrilled to hear that she was helpful, listened to your needs and that she was able to complete your order quickly. Thank you for choosing Lear Capital.

      Verified purchase
      Staff

      Reviewed Aug. 24, 2026

      My purchase of precious metals via Lear Capital was the easiest investment event I have ever entered. Reid **, the account representative, was informative, professional, and personable. He made each transaction so simple to accomplish; I couldn't have asked for a better experience.

      Thanks for your vote!
      Lear Capital
      Response from Lear Capital

      Thomas, thank you for sharing your encouraging experience! We are thrilled that Reid was informative, professional, and personable and that you found the transaction to be easy. Thank you for choosing Lear Capital.

      Verified purchase
      Staff

      Reviewed Aug. 24, 2026

      I had a very positive experience with my recent service. Brad was professional and courteous.

      Thanks for your vote!
      Lear Capital
      Response from Lear Capital

      John, thank you for sharing your kind words about Brad. We love hearing that he was professional and courteous. Thank you for choosing Lear Capital.

      Verified purchase
      Staff

      Reviewed Aug. 19, 2026

      This is about Josh, how kind, considerate he has been towards me. Sometimes I didn’t understand any continue to talk to me until I did. I will recommend Josh and May Capital to everybody I know. Thank you Josh

      Thanks for your vote!
      Lear Capital
      Response from Lear Capital

      Cheryl, thank you for your positive feedback about Josh! We love to hear that he was kind, considerate, and helpful. Thank you for choosing Lear Capital.

      Verified purchase
      Staff

      Reviewed Aug. 18, 2026

      Lucy is great - so knowledgeable and helpful. Glad to be investing in silver.

      Thanks for your vote!
      Lear Capital
      Response from Lear Capital

      Dianna, thank you for your kind words. We appreciate hearing that Lucy was knowledgeable and helpful. Thank you for choosing Lear Capital.

      Verified purchase
      Staff

      Reviewed Aug. 17, 2026

      Peter ** was knowledgeable, organized, and precise in his presentation, as he has been for us a number of times in the past. He is pleased to work with us even though we are small investors. We anticipate continuing this relationship.

      Thanks for your vote!
      Lear Capital
      Response from Lear Capital

      Donna, thank you for sharing your encouraging feedback about Peter. We are thrilled to hear that he was knowledgeable, organized, and precise and that you have built a professional relationship with him. Thank you for partnering with Lear Capital.

      Verified purchase
      Staff

      Reviewed Aug. 15, 2026

      I'm so far very satisfied with the help, advice and professional instructions I have received. I just transferred from another company to Lear and they made it easy and much more clear about my investment, very impressed.

      Thanks for your vote!
      Lear Capital
      Response from Lear Capital

      Jeri, thank you for your kind words. We appreciate hearing that you got the help, advice, and instructions you needed and that it was an easy transition for you. Thank you for choosing Lear Capital.

      Verified purchase
      Staff

      Reviewed Aug. 15, 2026

      Brad as always took care of me and laughed with me.

      Thanks for your vote!
      Lear Capital
      Response from Lear Capital

      Frances, thank you for sharing your positive experience with Brad. We are happy to hear that he has taken good care of you. Thank you for choosing Lear Capital.

      Verified purchase
      Customer Service

      Reviewed Aug. 14, 2026

      I would like to thank Mr. Bradford ** for working with me regarding all of my questions and requests associated with my metals account. Going forward, I would not hesitate to work with Mr. ** and Lear Capital with the confidence that I will be treated with the ultimate in Customer Service.

      Thanks for your vote!
      Lear Capital
      Response from Lear Capital

      Peter, thank you for sharing your helpful experience working with Brad. We are thrilled to hear that he was helpful and that you would work with him again. Thank you for choosing Lear Capital.

      Verified purchase
      Staff

      Reviewed Aug. 12, 2026

      Brad ** has been my advisor for many years and always delivered exemplary service. I've come to trust him on my requests, he delivers on every request. The only way I have the success in the precious metals is due to Brad ** and the Lear Capital team.

      Thanks for your vote!
      Lear Capital
      Response from Lear Capital

      James, thank you for your encouraging words about Brad. We are thrilled to hear that you have built a professional relationship with him and that he has delivered exemplary service. Thank you for partnering with Lear Capital.

      Verified purchase
      Punctuality & SpeedStaff

      Reviewed Aug. 12, 2026

      Excellent service! I received my order very quickly. I ordered this order as a promo from the YouTube channel Fanfare with Barry Cunningham.

      Thanks for your vote!
      Lear Capital
      Response from Lear Capital

      Elaine, thank you for your encouraging words. We are thrilled to hear that you received excellent service and it arrived quickly. Thank you for choosing Lear Capital.

      Verified purchase
      Staff

      Reviewed Aug. 11, 2026

      Brad and Reid are outstanding representatives of your company. I genuinely felt they were concerned for the customer.

      Thanks for your vote!
      Lear Capital
      Response from Lear Capital

      Rebecca, thank you for your encouraging words! We love to hear that Brad and Reid were great representatives and that you felt cared for. Thank you for choosing Lear Capital.

      Verified purchase
      Staff

      Reviewed Aug. 5, 2026

      Brad, thank you for your help with my IRA Distribution Request. Having the help you gave me made it so much easier to complete. I look forward working with you and Lear Capital in the future. May you have a blessed day. Jim **

      Thanks for your vote!
      Lear Capital
      Response from Lear Capital

      James, thank you for your encouraging words about Brad! We are thrilled that you found him helpful and that you would work with him again. Thank you for choosing Lear Capital.

      Profile pic of the author.
      Stuart D. increased rating by 2 stars.
      Customer ServiceStaff
      After a positive interaction with Lear Capital, Stuart D. increased their star rating on Aug. 2, 2026.

      Updated review: Aug. 2, 2026

      **UPDATE** LEAR delivered. I'm grateful and very appreciative of your help. I'm just sorry LEAR got caught up in the middle of this disagreement between myself and ROS****. Mr Todd ** was fantastic. He was very upfront with me, explained the timing and processes, and very easy to contact. All this helped in my satisfaction. Thank you to LEAR CAPITAL, for your assistance to my issue, and I look forward to a long and prosperous business relationship.

      Original Review: July 30, 2026

      I hate to do this to LEAR, but I feel I have no other choice. I found LEAR after having a fallout with another commodities trader. Apparently, and I do not know for sure, I was caught up in the middle of a transition from one dealer-broker to another dealer-broker. In an effort to stay where I was, I changed traders, FROM R****** to LEAR. Lear was caught in the middle.

      With trader A (name being withheld) I requested an IRA withdrawal back on February 22 of this year. I was informed that the settling of this transaction would take approximately 90 days (I was unaware of this transition happening). In May 2026, when I did not receive my requested disbursement, I reached out to trader A and was told at that time, "as soon as the transition is completed, my request would be settled". Because nobody informed me of such, and I just wasted 90 days thinking a disbursement was in route, when it wasn't in route, I switched traders from R****** to LEAR.

      Lear promised to assist me in my request. And while LEAR has been more informative about the processes than R****** was, I still haven't received my initial request from February. It's past 6 month now, and I still don't know. I do understand the fact that I changed traders and this may have created some additional paperwork, but the account remains at the same "dealer desk" of Equity Trust.

      Speaking of Equity Trust, my online portal is so screwed up, it appears that I have lost 1/2 my original investment, and nobody will help me restore the account nor explain to me "how" my portal account was so screwed up. Individual Customer Service Reps are most kind, and willing to assist, and empathize with my frustrations, however, they are limited in their abilities to "force an answer". LEAR has been mediocre at best. They really haven't helped me as much as originally promised. Equity Trust already knows my voice on the telephone as I call them almost every day. Please, if anyone reads this that can point me into the direction of someone that can actually "DO" something, please contact me. **

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      Verified purchase
      Staff

      Reviewed July 14, 2026

      This was my second experience purchasing through Lear Capital. The representative was extremely friendly, like he lived next door instead of across the entire country. He made sure to stress that my purchase should be considered as a long-term hold, which is an important statement. He also disclosed the commission percentage, which is simply excellent service. It was a great experience.

      Thanks for your vote!
      Lear Capital
      Response from Lear Capital

      J, thank you for sharing your enthusiastic review! We love to hear that your representative was personable, helpful, and honest and that you had a great experience with him. Thank you for partnering with Lear Capital!

      Verified purchase
      Staff

      Reviewed July 8, 2026

      I first purchased silver from Lear Capital December 2025. My advisor Darius **, made it so easy that I returned today July 2026 to make another purchase. This company clearly explains everything that will take place during the transaction and completely answered all my questions. I will not boubt be an many time over repeat customer.

      Thanks for your vote!
      Lear Capital
      Response from Lear Capital

      Linda, thank you for sharing your encouraging experience! We are thrilled that Darius made the process easy and answered all of your questions and that you are now a returning customer. Thank you for partnering with Lear Capital!

      Verified purchase
      Staff

      Reviewed July 8, 2026

      Peter ** is the representative I have dealt with at Lear Capital on several occasions. He has always been very helpful in providing information and assisting me as I determine the appropriate investments to make in precious metals. He has proven to be very professional and knowledgeable and, in my opinion, he is a real asset to Lear Capital.

      Thanks for your vote!
      Lear Capital
      Response from Lear Capital

      Stephen, thank you for taking the time to share your encouraging feedback! We are thrilled that you have found Peter to be helpful, professional, and knowledgeable. Thank you for partnering with Lear Capital!

      Verified purchase
      Customer ServiceStaffRates

      Reviewed July 2, 2026

      Working with Joanne was an outstanding experience from beginning to end. She was professional, knowledgeable, patient, and took the time to explain every step of the rollover process in a way that was easy to understand. She answered all of my questions thoroughly and made me feel comfortable and confident with my decision. Thanks to Joanne’s guidance, the entire process of rolling over my 401(k) to Lear Capital was smooth, straightforward, and stress-free. I truly appreciated her excellent communication, attention to detail, and genuine commitment to making sure everything went seamlessly. I am very happy that I chose to rollover my 401(k) to Lear Capital, and I highly recommend both Joanne and Lear Capital to anyone considering their retirement investment options. Based on my experience, they have earned my trust and my highest recommendation. I gladly give Lear Capital a 5-star rating!

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      Lear Capital
      Response from Lear Capital

      Angela, thank you for taking the time to share your wonderful feedback! We love hearing about how Joanne was professional, knowledgeable, patient, and walked you through the whole process of rolling over your 401(k). We value your trust and your recommendation. Thank you for choosing Lear Capital!

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      Staff

      Reviewed July 1, 2026

      I was very confident and pleased to work with Lear Capital. They were professional, efficient and dependable. The only problem that I have with Lear is their fiduciary bank, Equity Trust. As I write this review, I still have not received my money from my IRA transferred over to another bank since April 29th. I have had nothing but aggravation, trouble, repetition and poor, untrained personnel. It is because of Equity Trust that I am leaving Lear Capital to a bank that does not deal with Equity Trust.

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      Lear Capital
      Response from Lear Capital

      Diane, thank you for taking the time to share your feedback with us. While we are happy to hear that our team has been helpful and professional, we are sorry that Equity Trust has been frustrating to work with. We are sharing your comments with our executive team, and we'd be happy to do anything else to serve you in the transfer: CustomerCare@learcapital.com or 1-800-885-5327.

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      Lear Capital Company Information

      Social media:
      Company Name:
      Lear Capital
      Company Type:
      Private
      Year Founded:
      1997
      Address:
      1990 S. Bundy
      City:
      Los Angeles
      State/Province:
      CA
      Postal Code:
      90025
      Country:
      United States
      Website:
      www.learcapital.com