Accuplan Benefits Services Reviews

By John Otis

March 13, 2021

As Featured In:

Some links within this article are from our sponsors. We provide reliable, and accurate information. Read our Advertising Disclosure. 

Let’s talk about Accuplan and what signing up with it could do for you.

You’ll find out whether they’re a company worth working with or one worth running from. We’ll also let you know if there are similar avenues you should look to instead.

Although we won’t be able to go over absolutely every part of Accuplan, we’ll be able to give you a good overview of it, answering the most pertinent questions new customers have.

First Glance

Specialists in self directed IRA's

1 star review on Yelp with 14 total reviews

2 rip off reports

Who is Accuplan?

Accuplan is mainly advertised as creating self-directed 401(k)s and IRAs. However, that’s not the only thing they offer.

There's also real estate investing tools, which are great for aiding with retirement plans. These go beyond merely purchasing houses. One can secure commercial land, farms, and deeds of trust via Accuplan.

Accuplan, which is based in Utah, has actually been around for a little while. They started in 1993 and have seen some very impressive growth over the years.

Next, we’re going to talk about the different aspects and incentives available with signing up for Accuplan.

What Is Their Main Product?

Accuplan is known for their self-directed IRA's which customers manage on their own. 

You’ve probably heard of an IRA before, but what distinguishes a self-directed IRA from another type? Well, there are managed IRAs, which have another party handling them. However, a self-directed IRA is one that the investor manages themselves.

This means you pick your investments without the assistance of a broker. This might not be the best option if you’re cautious about investing or feel like you don’t have the most knowledge on the subject.

Legally speaking, having self-directed IRAs prohibits Accuplan from offering investment advice. They also don’t have any brokers to offer guidance, nor can investors solicit investing advice.

What Is Their Most Popular Product?

There are multiple precious metals you can access with Accuplan. You can buy, silver, gold, palladium, and platinum.

Other assets are available from other investors, but you’re not going to find one IRA company that has everything. There’s need to be at least some type of specialization. Otherwise, things can start to look like a jack of all trades, which is never good..

If you don’t want to just invest in precious metals, there are also digital investment means, such as Bitcoin. However, that’s not available through Accuplan.

You’ll also have to deal with some fees when using Accuplan. The starting fee is $50 when you open a precious metals IRA. There’s also a yearly fee of $195, as well as a $12 monthly fee.

Since IRS rules forbid holding precious metals at your property when they’re counted as investments for an IRA, the Accuplan fees really aren’t anything too troublesome.

Is It Right For You?

It might seem strange to go for a self-directed IRA, at least if you’ve never tried it before. However, there are some very good reasons to pick it over a managed IRA.

A primary reason to forego the managed IRA is the money you’ll save. It costs to have a managed IRA. This is usually discounted via your compound interest, but it’s still money you’re giving away that you could potentially be saving and using to ferment your retirement account.

The amount deducted isn’t a whole lot, at first. Over time, however, it snowballs into a much more significant number. An IRA could exist for decades before you crack into it. Over that time, you could have sums greater than a year’s salary inflating your advisors' accounts. Wouldn’t it be nice to have that money staying with you instead?

A self-directed IRA works for people who know how to handle their money and aren’t going to leave things to chance. It arguably requires more work, but the payoffs can be a lot better. We mean that literally.

Pros and Cons

If you’re working with an IRA provider, you should hope for the best but understand that not everything will be perfect. The point of researching is to find a company that has the most good, which goes hand-in-hand with having the least bad.

Accuplan has lots of good about it, but there are also a few things that could be improved or make you feel a little skeptical.


1. Lots of choices for investing

2. Great customer care with live chat

3. Expert tips to help you follow IRS guidelines

4. Secure depository storage to keep your metals


1. Mostly negative online reviews

2. Not accredited by the Better Business Bureau

3. Less reputable than other companies

4. Not many details on their investment products

Is Accuplan A Scam or Legit?

Do some terrible aspects mean Accuplan is a scam? No, this company isn’t a scam. They’ve been around too long to be classified as a scam.

Does that mean you should sign up for them right away?

Unfortunately, because this company has more than its share of bad reception and poor review, we would be cautious. If you check Accuplan on review sources like
Yelp, you'll see they have 14 reviews and an overall 1 star rating. On Better Business Bureau, they are not an accredited business and they have zero reviews.

The lack of reviews on important rating websites is troublesome, and they the ones they do have are pretty concerning. If you could only find a handful of reviews for a movie and 90% of them were negative, would you want to see it? We doubt it.

While this company is real, it's one question whether a company is operating and active. It's an entirely different question whether they are reputable, trustworthy, and provide a solid product with top-tier customer service.

We'll let you decide this with Accuplan based on their reviews.

Are There Better Alternatives Out There?

If you are looking for a reputable gold IRA custodian, then Goldco is the company that comes to mind immediately.

We have searched reviews on dozens of website like BBB, TrustPilot and find almost ZERO complaints from thousands of customers. This is almost unheard of, which goes to show they are doing something extremely right and providing an exceptional product and service.

They are also used by celebrities like Chuck Norris, respected and well-known publications, and have been in business for over 10 years.

You can watch the short video below to learn more about Goldco.

John Otis

About the author - John Otis

In the modern age of reckless government spending and central bank money printing, my sole objective is to help others protect their savings, retirement, livelihoods, and purchasing power from currency devaluation. Otis Gold has been featured in Financial Times, Yahoo Finance, Kitco News, Motley Fool, Seeking Alpha, and more. If you have any questions or comments, leave them below. Welcome!

{"email":"Email address invalid","url":"Website address invalid","required":"Required field missing"}

Never miss a LATEST NEWs!

 Subscribe to our newsletter!