Lear Capital - An Impartial Review

For the past 17 years, Lear Capital has been on the cutting edge of the precious metal market helping customers diversify their portfolio in numerous ways. Based in Los Angeles, California, the company can help you purchase physical gold, bullion, and rare coins, and helps you open and administer an Individual Retirement Account (IRA). This Lear Capital evaluation gives you a lowdown on the organization and lets you know what to expect when you do business with them.

The business presents a number of precious metals such as gold, silver, platinum, and palladium. The gold and silver bullion bars offered are .999+ fine, which means you can look forward to top value for your investment.

In addition to this, the business offers gold and silver coins. The best sellers in this category comprise:

Gold coins:

  1. British sovereign.
  2. American Gold Eagle.
  3. Austrian Philharmonic.
  4. Canadian maple Leaf.
  5. Gold Polar bear.

Silver Coins:

  1. Silver American Eagle.
  2. Silver Round.
  3. Silver Canadian Maple Leaf.

Buying Precious Metals from Lear Capital

You can purchase the metals you need directly from the company’s website. Internet purchases get investors free shipping on orders $10,000 and above. The business has a clear directive on the way the shipping of purchases is handled. This directive is spelled out in a Shipping and Transaction Agreement found on the website. The agreement lets you know precisely how your purchase will be delivered.

Prior to purchasing the precious metals you have identified, you can assess a number of free information resources supplied on the website. These include free guides as well as newsletters obtainable in both soft and hard copy. No need to rely upon hearsay before investing — all the information you need easily available.

The complete process culminates with a written account agreement, a list in writing of the metals you have bought, and a phone confirmation as well. Those represent a review of the investment you have just made the company.

The Lear Capital Buy-Back Program

This company allows you to sell the metals you have purchased at the ongoing market cost. The facts about the program are contained in the Shipping and Transaction Agreement. The goal of the information is to tell you what you need to know when you opt for selling the precious metals you invested in.

When it is time to convert your investment into cash, you can locate the prices on the company’s site. The business lists the prices in accordance with the current market value on their site in trading hours. That information is crucial in determining the your investment’s current worth.

You can find more information regarding the rates by phoning company representatives during working hours. That way you can learn the latest on any alterations in the rates and begin the process of selling your precious metals.

This Lear Capital review will only be complete with the mention of the desktop widget developed by the company. This widget enables you to monitor rates real time from your computer or from your smartphone. This widget is free for download.

Customer Service

The business enterprise offers you various means by which you can get the help you need. Clients can connect with the customer representatives via toll-free telephone line or email. Those are ideal avenues to find out more about the business as well as get assistance with your account. Customer care services are available Monday through Friday from 9:00 a.m. to 6.00 p.m. Pacific time.

One of the great features of the company is the fact that you will be assigned a personal account adviser. The professional has the role of keeping you updated on the most recent changes to your account, ongoing economic events, and the way the changes can have an impact on your financial future.

Lear Capital IRA Account

You might choose to hold your investment in an IRA account established with this organization. You can start setting up the account from the company’s site, which is convenient.

Once you open the account, you can either obtain the metals by means of Lear Capital or choose to transfer property held in another IRA account. You are eligible for a $250 bonus if you transfer a portion or all of your assets from another account to the one started with Lear Capital. However, you are only eligible for the bonus if you transfer precious metals worth $5,000 or more.

Lear Capital Rankings

Before you buy precious metals from any company, take some time to evaluate the ratings given the organization by reliable consumer review websites on the market. Here is how some of these authorities rank Lear Capital:

The Better Business Bureau (BBB)

The BBB gives the company an A+ rating. However, the business has received 18 complaints since March 1, 2013. The complaints emanate from:

  1. Blown up advertising.
  2. Instances of wrong deliveries.
  3. Wrong billing.
  4. Problems with collection.
  5. High-priced processing charges.


The organization has acquired 4 stars out of a possible 5 stars from TrustLink. The ranking is a result of 179 reviews currently published on the website about the company.

The Business Consumer Alliance (BCA)

The organization has awarded Lear Capital a rating of AAA, meaning it is a reliable firm that you can trust with your investment. Nonetheless, the consumer watchdog has reported 47 complaints against the business in the last 3 years.

Review Details

  • AAA
  • 44
  • A+
  • 20