Perpetual Assets Review: In-Depth Analysis of IRA & Investment Services

Perpetual Assets has emerged as a notable player in the alternative investment space, offering investors access to both precious metals and cryptocurrency investments through self-directed IRAs.

The company positions itself as a bridge between traditional retirement planning and modern alternative assets, catering to investors seeking portfolio diversification beyond conventional stocks and bonds.

Perpetual Assets specializes in precious metals IRAs and cryptocurrency investments, with a minimum investment requirement of $5,000 for precious metals IRAs and $500 for digital currencies.

The company provides secure storage solutions through partnerships with facilities in the United States and Singapore, while offering personalized guidance through dedicated account representatives.

Understanding whether Perpetual Assets aligns with specific investment goals requires examining multiple factors including fees, service quality, and overall reliability.

This comprehensive review analyzes the company’s offerings, customer experience, pricing structure, and compares it against industry alternatives.

Key Takeaways

• Perpetual Assets offers both precious metals and cryptocurrency investments through self-directed IRAs with competitive pricing and no setup fees
• The company provides personalized customer service with dedicated account representatives and educational resources for informed decision-making
• Investors should consider the limited online reviews and lack of BBB accreditation when evaluating the company’s reliability and reputation

What Is Perpetual Assets?

Perpetual Assets is a financial services company that specializes in self-directed IRAs and alternative investments, founded in 2013 by Gus Demos and William L Lehr.

The company operates as both a precious metals dealer and LLC IRA facilitator, helping clients diversify their retirement portfolios with assets like gold, silver, and cryptocurrencies.

Company Background and Founders

Perpetual Assets was founded in 2013 and operates from Sheridan, Wyoming.

The company maintains a contact address in San Diego, California.

The founding team consists of Gus Demos and William L Lehr.

William L Lehr brings over two decades of experience in the financial services industry.

His background includes expertise in navigating complex financial markets and alternative asset investments.

While specific details about Gus Demos are less publicly available, some sources mention Jim Willie as part of the duo behind Perpetual Assets.

The leadership team focuses on turning precious metals and cryptocurrency investments into viable retirement solutions.

The company has positioned itself as a Texas-based business in some materials.

However, official records show Wyoming as the primary state of incorporation.

Business Model and Philosophy

Perpetual Assets operates as a precious metals dealer, consulting firm, and LLC IRA facilitator.

The company’s core philosophy centers on providing investors with direct control over their retirement assets.

The business model emphasizes asset diversification beyond traditional investments.

Clients can invest in:

• Physical precious metals (gold and silver)
• Cryptocurrencies like Bitcoin and Ethereum
• Real estate through self-directed IRAs
• Other alternative investments

Perpetual Assets focuses on helping investors protect their wealth through strategic investments.

The company eliminates middlemen in many transactions, potentially reducing fees for clients.

Their LLC IRA structure gives investors control over cryptocurrency private keys.

This approach allows for more direct asset management compared to traditional retirement accounts.

Reputation in Financial Publications

Perpetual Assets has received recognition from esteemed financial outlets, which adds credibility to their position in the financial services industry.

The company has been featured in respected publications including Forbes and International Business Times.

These financial publication mentions serve as indirect endorsements of the company’s expertise.

Media coverage helps establish Perpetual Assets as a legitimate player in the alternative investment space.

The company’s growing profile in financial media reflects their innovation in retirement planning.

Publications have noted their unique approach to combining traditional precious metals with modern cryptocurrency investments.

However, the specialized nature of their services means they appeal to a specific investor demographic.

Their reputation is built primarily within the precious metals and cryptocurrency investment communities.

Core Offerings and Investment Products

Perpetual Assets specializes in alternative investment solutions that combine traditional precious metals with modern digital currencies through flexible retirement account structures.

The company positions itself as America’s first Cryptocurrency and Precious Metals Dealer specializing in Retirement Accounts and offshore investments.

Precious Metals: Gold and Silver

The company offers a comprehensive selection of precious metals investments for clients seeking portfolio diversification.

Gold investment options include various coins, rounds, and bars with inventory extending beyond what appears on their official website.

Gold Products:

• Gold coins and rounds
• Various gold bars
• Multiple weight options

Silver investments follow a similar structure with diverse options available.

The company provides GSM 10 oz Silver Bars and 100 oz bars from trusted mints including Royal Canadian Mint and Johnson Matthey.

Silver Products:

• Silver coins and rounds
• 10 oz silver bars
• 100 oz institutional bars

Precious metals pricing fluctuates regularly so specific costs are not listed on their website.

The minimum order amount for precious metals investments is $1,000.

Cryptocurrency Investment Options

Perpetual Assets provides cryptocurrency investment services with what they claim is the industry’s fastest onboarding time.

The company operates a specialized Crypto OTC service for immediate digital currency purchases.

Available Cryptocurrencies:

• Bitcoin
• Ethereum
• Litecoin

The company offers offshore investments in Bitcoin-friendly countries for additional diversification options.

Clients can manage their cryptocurrency private keys directly through LLC IRA structures.

Digital currency investments have a $10,000 minimum order requirement.

The company charges no additional service fees for cryptocurrency transactions, though investors may pay network transaction fees.

LLC IRA and Self-Directed IRA Solutions

The LLC IRA retirement solution represents Perpetual Assets’ primary service offering.

This structure provides clients with complete control over their retirement accounts while maintaining IRS compliance.

LLC IRA Benefits:

• Tax-deferred or tax-free growth potential
• Direct control over delivery and storage
• Reduced transaction fees
• Investment flexibility across asset classes

The total solution fee for LLC IRA setup is $1,997 with an annual administrator fee of approximately $200.

The company eliminates typical transaction fees associated with traditional retirement accounts.

Self-directed IRA solutions allow investments in stocks, bonds, and liquidity options alongside precious metals and cryptocurrencies.

The company ensures compliance with IRS, State, and Trustee regulations throughout the investment process.

Account Setup and Onboarding Experience

Perpetual Assets streamlines the account setup process with quick onboarding that takes just a few minutes to begin investing.

The company provides comprehensive documentation assistance and maintains transparent timelines for account activation.

Initial Consultation Process

The initial consultation at Perpetual Assets focuses on understanding each client’s retirement savings goals and investment preferences.

Clients receive a dedicated account representative who guides them through the entire investment process.

The consultation covers available investment options including precious metals and cryptocurrencies within retirement accounts.

Representatives explain the LLC IRA structure and how it provides clients with greater control over their investments.

Educational resources such as webinars and articles help clients make informed decisions about their retirement portfolio.

The personalized approach ensures that investment strategies align with individual financial objectives.

Clients discuss their risk tolerance and investment timeline during this phase.

The consultation also addresses any questions about combining traditional and digital assets within a single retirement account.

Documentation and Requirements

Perpetual Assets handles the essential document preparation and filing of necessary articles of organization for the LLC structure.

The company assists with obtaining an EIN for the LLC and ensures compliance with IRS regulations.

Required documentation includes:

• IRA application forms
• LLC formation documents
• Beneficiary designations
• Investment direction letters

The company provides comprehensive guidance on prohibited transactions to prevent compliance issues.

Clients must provide accurate information and complete paperwork promptly to avoid delays in the setup process.

Tax and legal consultation may be recommended for complex financial situations.

The documentation process ensures that all regulatory requirements are met before account activation.

Timeline to Account Activation

Account setup with Perpetual Assets takes just a few minutes to begin investing, making it one of the faster processes in the industry.

The company offers the industry’s fastest onboarding time for clients ready to diversify their retirement savings.

One client testimonial indicates that LLC setup took approximately 21 days from initial application until the LLC checking account was fully funded.

This timeline includes document processing and regulatory approvals.

The streamlined setup services include assistance with funding transfers to ensure clients have the necessary tools available immediately.

Account activation depends on the complexity of the chosen investment structure and funding method.

Most clients can expect their accounts to be operational within 2-3 weeks of submitting complete documentation.

The company provides regular updates throughout the activation process to keep clients informed of progress.

Investment Flexibility and Diversification

Perpetual Assets provides unique investment opportunities that combine traditional precious metals with digital currencies in self-directed IRAs.

The company’s approach to asset diversification allows investors to build resilient portfolios beyond conventional financial products.

Asset Diversification Strategies

Perpetual Assets enables clients to build diversified portfolios across multiple asset classes within their retirement accounts.

The company’s self-directed IRA structure gives investors access to alternative investments beyond traditional stocks and bonds.

Clients can allocate funds across precious metals, cryptocurrencies, and other approved assets.

This diversification strategy helps spread risk across different market sectors.

The LLC IRA solution provides full control over investment decisions.

Investors can adjust their asset allocation based on market conditions and personal financial goals.

Key diversification benefits include:

• Reduced portfolio volatility
• Protection against inflation
• Multiple income streams
• Hedge against economic uncertainty

Mixing Precious Metals and Cryptocurrencies

The company’s standout feature is its ability to combine precious metals with digital currencies in a single retirement account. This blend offers exposure to both traditional safe-haven assets and emerging digital markets.

Gold and silver provide stability during economic downturns. These metals have historically maintained value during periods of high inflation and market volatility.

Cryptocurrencies offer growth potential and portfolio modernization. Digital assets can provide higher returns but come with increased risk compared to precious metals.

Investment flexibility allows clients to rebalance between these asset types as market conditions change. Investors can shift allocations without third-party approval through the checkbook control feature.

Accessible Alternative Investments

Perpetual Assets makes alternative assets accessible to individual investors through simplified account setup. The company’s streamlined process removes traditional barriers to alternative investment participation.

The platform provides access to investment opportunities typically reserved for institutional investors. Self-directed IRAs open doors to assets beyond conventional retirement account options.

Clients can explore various alternative investments while maintaining tax-advantaged retirement account status. The company’s educational resources help investors understand different asset classes and their potential risks and rewards.

The fastest onboarding time in the industry allows investors to begin diversifying quickly. This efficiency helps clients capitalize on time-sensitive investment opportunities in volatile markets.

Fees, Pricing, and Transparency

Perpetual Assets offers transparent pricing with no setup or transfer fees for precious metals IRA accounts. The company uses a flat-fee structure with a one-time LLC IRA setup cost of $1,997 and an annual maintenance fee of $200.

Transparent Fee Structure

Perpetual Assets maintains a straightforward pricing model without hidden charges. The company charges no setup or transfer fees for precious metals IRA accounts, which benefits new investors.

The one-time LLC IRA establishment fee costs $1,997. Investors can pay this fee directly from their IRA funds.

The partnered custodian charges a flat annual maintenance fee of $200. This fee remains constant regardless of account size or asset value.

Larger accounts benefit from this structure since the fee does not increase with portfolio growth.

Comparing Costs to Competitors

Traditional self-directed IRA providers often charge transaction-based fees for each investment decision. These fees can add up quickly for active investors.

Perpetual Assets eliminates many recurring transaction costs through its LLC IRA structure. The checkbook control model reduces ongoing custodial fees.

Investors can execute transactions directly without paying additional custodial approval fees. This structure particularly benefits those who trade cryptocurrencies or make frequent precious metals purchases.

Most competitors charge percentage-based annual fees or multiple transaction fees. Perpetual Assets’ flat-rate approach can result in significant savings for investors with larger account balances or frequent trading activity.

Minimum Investments and Ongoing Charges

Perpetual Assets does not specify minimum investment requirements in available public information. The initial setup cost of $1,997 represents the primary barrier to entry for new investors.

After setup, investors face minimal ongoing charges. The annual $200 custodian fee represents the only recurring cost.

No additional fees apply for storage selection, asset management, or routine account maintenance. The company eliminates many traditional IRA fees such as transaction fees, wire transfer charges, and custodial approval costs.

This fee structure allows investors to keep more of their returns over time.

Customer Support and Service Quality

Perpetual Assets provides dedicated account representatives for each client and offers educational resources through webinars and articles. The company maintains regular business hours for phone support, though customer feedback varies across different review platforms.

Support Channels and Accessibility

Perpetual Assets assigns a dedicated account representative to guide clients through the investment process and address inquiries. This personalized approach ensures each investor receives individual attention throughout their investment journey.

The company offers phone support during regular business hours. Customer service representatives are available to assist with questions or concerns clients may have about their accounts or investment options.

Clients can contact their assigned representatives directly for assistance with account management, investment decisions, and general inquiries. The dedicated representative model aims to provide continuity and build stronger client relationships.

Client Education Resources

Perpetual Assets supplies educational resources including webinars and articles to help clients make informed investment choices. These resources focus on precious metals and cryptocurrency investments.

The company regularly hosts webinars covering various topics related to precious metals and digital currencies. These sessions educate clients on alternative investment benefits, market trends, and investing strategies.

Their website features a blog section with articles on global economics, cryptocurrencies, and precious metals. The company also provides regular market updates offering insights into precious metals and digital currency performance.

Customer Reviews and Feedback

Perpetual Assets has a 4.5-star rating on Trustpilot based on a limited number of reviews. Most reviewers praise the company’s customer service, professionalism, and expertise in alternative investments.

Google reviews show mixed results. Some clients report positive experiences with the company, while others express dissatisfaction with various service aspects.

The company lacks reviews on significant consumer protection sites like the BBB, which raises concerns about credibility verification. The limited number of online reviews makes it difficult to assess broader client experiences comprehensively.

Performance, Reliability, and Safety

Perpetual Assets demonstrates strong operational reliability through transparent practices and personalized customer support. The company faces typical precious metals market risks while offering storage solutions designed to protect retirement investments from economic uncertainty.

Company Track Record

Perpetual Assets has earned high marks for customer satisfaction through their commitment to transparency and personalized support. The company provides clients with dedicated expert teams who assist with asset selection and management decisions.

The company is known for their reputation of being transparent and reliable in all products and services. This consistency makes them a preferred choice for investors who prioritize investment safety.

However, Perpetual Assets has been rated 3/5 stars by some expert reviewers. This middling rating suggests room for improvement in certain operational areas.

The company specializes in storage solutions for precious metals and digital currencies. Their focus on security and reliability attracts clients seeking long-term asset protection.

Risk Factors and Market Fluctuations

Precious metals IRAs face inherent market volatility that affects investment values. Gold, silver, and other metals experience price swings based on economic conditions, inflation rates, and global events.

Key Market Risks:

• Price volatility – Metal prices can fluctuate significantly over short periods
• Economic factors – Interest rates and currency values impact precious metals pricing
• Supply disruptions – Mining issues or geopolitical events can affect availability

Storage costs represent an ongoing expense that reduces overall returns. Investors must factor these fees into their long-term investment calculations.

Liquidity challenges can arise when investors need to sell precious metals quickly. Physical metals require more time to convert to cash compared to stocks or bonds.

Financial Security for Retirement Portfolios

Precious metals IRAs serve as portfolio diversification tools during economic uncertainty. These investments typically maintain value when traditional assets like stocks decline during market downturns.

Security Benefits:

• Inflation protection – Precious metals often retain purchasing power during inflationary periods
• Portfolio balance – Physical assets provide stability against paper asset volatility
• Economic hedge – Metals perform well during currency devaluation or financial crises

Retirement investors use precious metals to reduce overall portfolio risk. The assets provide stability that complements traditional retirement investments like stocks and bonds.

Storage security remains crucial for protecting physical precious metals investments. Professional storage facilities offer insurance coverage and security measures that individual investors cannot replicate at home.

Alternatives to Perpetual Assets

Several companies compete with Perpetual Assets in the alternative investment space, each offering distinct fee structures, investment options, and service levels. The market includes established precious metals dealers and newer self-directed IRA specialists with varying approaches to client service and portfolio management.

Comparing to Other Gold IRA Providers

Multiple companies provide similar services to Perpetual Assets in the self-directed IRA market. Better Bullion mentions several alternatives including IRAServices, Sam Sloat Coins, GoldSeek Mint, Alhambra Coin Center, and Colorado Gold.

IRAServices specializes in self-directed retirement accounts with precious metals focus. They offer gold, silver, platinum, and palladium investments through custodial arrangements.

Sam Sloat Coins provides both retail precious metals sales and IRA services. Their approach combines decades of coin dealing experience with retirement planning expertise.

GoldSeek Mint focuses on precious metals IRAs with competitive pricing structures. They emphasize transparent fee disclosure and educational resources for new investors.

Alhambra Coin Center operates as both a coin dealer and IRA provider. They offer numismatic coins alongside bullion investments for retirement accounts.

Colorado Gold serves clients seeking precious metals investments through self-directed IRAs. Their services include storage solutions and portfolio diversification strategies.

Key Differences and Advantages

Each alternative provider offers distinct advantages compared to Perpetual Assets. Fee structures vary significantly between companies, with some charging flat annual fees while others use percentage-based pricing models.

Investment options differ across providers. Some focus exclusively on precious metals, while others include cryptocurrencies, real estate, or private equity investments in their offerings.

Customer service approaches range from high-touch personal guidance to self-service online platforms. Established companies often provide more extensive educational resources and market analysis.

Storage solutions vary between providers. Some offer segregated storage options, while others use commingled storage facilities with different insurance coverage levels.

Account minimums differ substantially. Some providers require $50,000 minimum investments, while others accept smaller initial deposits for new clients.

Processing times for transactions and account setup vary between companies. Some providers complete transfers within days, while others require several weeks for account establishment.

Frequently Asked Questions

Perpetual Assets offers LLC IRA services with a $1,997 setup fee and $200 annual maintenance cost. The company specializes in cryptocurrency and precious metals investments while providing checkbook control over retirement funds.

What type of services does Perpetual Assets offer?

Perpetual Assets specializes in LLC IRA services that give clients direct control over their retirement investments. The company focuses on helping clients invest in alternative assets through self-directed retirement accounts.

Their primary service involves setting up a Limited Liability Company structure within an existing IRA. This allows account holders to make investment decisions directly rather than going through traditional custodians.

The LLC IRA differs from standard self-directed IRAs because it eliminates many restrictions that other administrators impose. Clients can invest in a wide range of assets without requiring approval for each transaction.

How does Perpetual Assets ensure the security of its clients’ investments?

Perpetual Assets uses a structured legal framework to protect client investments within the LLC IRA structure. The company works with qualified custodians to maintain regulatory compliance for all retirement accounts.

The LLC formation process follows specific legal requirements to avoid prohibited transactions. The company has spent extensive time researching and consulting with attorneys to ensure proper structure and execution.

Clients maintain direct control over their assets through checkbook control. This eliminates counterparty risk because investors manage their own holdings rather than relying on third-party decisions.

Can clients hold cryptocurrency in a Perpetual Assets retirement account?

Yes, cryptocurrency investments are available through Perpetual Assets’ LLC IRA structure. The company specifically mentions that many clients use their LLC IRA to invest in crypto currencies.

The self-directed nature of the LLC IRA allows for cryptocurrency purchases without requiring approval from traditional custodians. Clients can buy and sell digital assets directly through their retirement account.

All cryptocurrency gains remain within the tax-advantaged retirement account structure. This means profits from crypto investments maintain their tax-deferred or tax-free status depending on the account type.

What are the fees associated with services provided by Perpetual Assets?

Perpetual Assets charges a total solution fee of $1,997 for setting up the LLC IRA structure. This fee can be paid directly from existing IRA funds.

The ongoing maintenance costs are minimal compared to traditional retirement account fees. Administrator fees are approximately $200 annually regardless of account size or transaction frequency.

There are no transaction fees when buying and selling investments through the LLC IRA. This fee structure remains the same whether the account holds $50,000 or $500,000 in assets.

What distinguishes Perpetual Assets from other investment service providers?

Perpetual Assets provides checkbook control that most traditional IRA custodians do not offer. The company eliminates the extensive annual reviews and restrictions that other self-directed IRA providers typically impose.

The LLC IRA structure allows for immediate investment decisions without waiting for custodian approval. This speed advantage helps clients capitalize on time-sensitive investment opportunities.

The company focuses specifically on alternative investments like precious metals and cryptocurrency rather than traditional stocks and bonds. This specialization sets them apart from general investment firms.

How does Perpetual Assets comply with regulatory requirements in managing client assets?

Perpetual Assets operates within IRS regulations by following Title 26 USC 408 guidelines for retirement accounts. The company ensures all LLC formations comply with prohibited transaction rules.

The formation process follows a very specific sequence to avoid creating prohibited transactions that could trigger IRS audits. Each step must be completed in the correct order with proper documentation.

All eligible retirement account types can be transferred into the LLC IRA structure. This includes traditional IRAs, Roth IRAs, 401(k)s, 403(b)s, and other qualified plans that meet IRS requirements for self-direction.