Frequently Asked Questions​

General Questions

✅ Yes.

The Canada Revenue Agency (CRA) allows certain types of investment-grade gold bullion to be held inside registered accounts, including RRSPs and TFSAs — provided it meets specific purity and storage requirements.

We guide you through every step to ensure full compliance.

Only CRA-approved gold products are eligible, typically:

  • Gold bars from approved refineries with a minimum purity of 99.5% (also known as .995 fineness). This option gives greater choice and, typically, a better price-point.
  • Coins are limited to Royal Canadian Mint’s product offerings. RCM coins are among the most globally recognized and pure coins on the market. This may make them worth more in certain scenarios.

We help you select the right products that meet CRA criteria and your personal goals.

Your gold is securely stored in fully insured, non-bank vaults with Brinks Canada.

It is physically segregated, legally titled in your name, and never pooled or commingled with other investors’ holdings.

Yes.

You hold direct ownership of specific, identifiable gold bars or coins, not just a “certificate” or “paper claim.”
Ownership is legally recorded and insured. You can verify your holdings in person or choose to request delivery from your account. Ask us for more information about these options.

All stored gold is fully insured against theft, loss, or damage by leading Canadian insurers specializing in precious metals.

Process Questions

It’s simple:

Book a free consultation.

We help you review or open a registered account (RRSP, TFSA, LIRA, etc.).

Transfer funds (if needed) and select your gold products.

Arrange secure storage.

You’ll have full guidance at every step.

Book Your Free Consultation

Once your account is set up and funded, buying and storing your gold typically takes just a few days.
Timelines vary slightly depending on your current financial institution and transfer speed.

We typically work with clients investing $10,000 CAD or more into physical gold, but we can do as little as $1,000. This ensures cost-efficiency and eligibility for registered account structures.

Costs and Fees

You pay no direct fees to Your Gold Coach. I’m compensated by the gold provider, which allows me to secure lower purchase costs — and I pass those savings on to you. 

Because gold is priced in U.S. dollars, I also negotiate favourable foreign exchange rates on your behalf — rates that are typically better than what an individual could access alone. Thanks to the volume of client transactions I manage, you benefit from institutional-level pricing without paying any service fee. 

Everything is fully transparent, with no hidden costs or surprises. 

🚫 No hidden fees.

Everything is explained clearly before you move forward.

No. The purchase of your metals through a registered plan is done entirely from your available registered savings. No further cost to you is incurred.​

Other Common Questions

Yes.

You can make additional contributions or purchases anytime, subject to your registered account rules.

Yes! That’s the whole idea of saving in gold and silver. It’s to ensure that your retirement dreams can be made real. We can help you convert a portion of your holdings into cash to help you fund your lifestyle while explaining any tax implications. Please contact us for more information on your specific situation.

When you’re ready to sell, we assist you with liquidation options: 

  • Let us know when you want to sell and we will take care of it for you. You will know the exact price you sold your gold or silver, and will receive that precise amount. Your metals will sell at the market price with no penalty. The funds will be deposited in your investment account typically within three days. 
  • Take delivery of your physical gold (subject to CRA withdrawal rules for registered accounts) 

We ensure the process is smooth and transparent. 

  • RRSP: Withdrawals are taxed as regular income. 
  • TFSA: Withdrawals are tax-free. 

Holding gold inside a registered plan can provide significant tax advantages compared to non-registered holdings. (Remember to consult a qualified financial advisor or tax professional for your specific situation.)

Still Have Questions?

We’re here to help.
Contact us today for personalized answers and expert guidance.