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Best Precious Metals IRA Companies 2023

Choosing the Right Precious Metals IRA Company for Your Investments in 2023

Best Precious Metals IRA Companies 2023

Looking to secure your retirement with a little sparkle? Enter Goldco, one of the top precious metals IRA companies. These financial advisors are all about helping you invest in gold, silver, and other shiny assets for your golden years. With services like custodial storage, account management, and investment advice, Goldco has got you covered from every angle. Whether you’re interested in bullion bars or mutual funds, Goldco can help you make the right decisions for your retirement savings.

Why consider gold IRAs and silver IRAs? Well, it’s all about diversification and protection against economic uncertainty. While traditional retirement accounts may have their ups and downs, the addition of gold bullion and other precious metals can add stability to your portfolio. Plus, these companies are tightly regulated by the IRS to ensure the safety of your hard-earned assets.

So if you’re ready to explore the world of gold investments and silver investments in precious metals IRAs, let’s dive in together and discover which precious metals IRA company is right for you. It’s time to shine bright with gold bullion and gold stocks when it comes to securing your retirement!

Benefits of Investing in a Gold IRA

Investing in precious metal IRAs, such as gold and silver IRAs, can provide numerous advantages and benefits for individuals looking to diversify their investment portfolio and protect their wealth. Here are some key reasons why investing in a gold IRA, through a reputable company like Goldco, is worth considering for retirement accounts.

Protection against Inflation and Currency Devaluation

One of the primary benefits of precious metal IRAs, such as those offered by Goldco, is their ability to act as a hedge against inflation and currency devaluation. Unlike paper currencies, which can lose value over time due to factors such as government policies or economic instability, investment products like gold have historically maintained their purchasing power. During periods of high inflation, the value of gold tends to rise, helping investors preserve their wealth in their retirement accounts.

Safe Haven Investment During Economic Crisis

Goldco is a recognized safe haven investment during economic crisis. When stock markets plummet or there is uncertainty in the economy, investors often flock to gold, silver, and palladium as a store of value. This demand for gold, silver, and palladium can drive up their prices, making them attractive assets for those seeking stability amidst market volatility.

Diversification Beyond Traditional Stocks and Bonds

Investing in a gold IRA with Goldco allows you to diversify your portfolio beyond traditional stocks and bonds. While these assets have their merits, they are subject to market fluctuations and may not always perform well during challenging economic conditions. By adding physical gold, silver, palladium, or other eligible precious metals to your retirement account, you can reduce risk by spreading your investments across different asset classes and secure your savings.

Physical Ownership of Tangible Assets

With a gold IRA from Goldco, you have the advantage of owning physical assets such as gold and silver that can be stored securely in a depository. Unlike digital investments or financial instruments, physical gold provides tangible ownership and savings. Many reputable precious metals IRA companies like Goldco offer secure storage options such as vaults or depositories where your gold is held on your behalf.

Investing in physical gold through a Goldco IRA gives you more control over your assets compared to other forms of investment. You can choose to hold the gold or silver in your possession or opt for Augusta Precious Metals as a custodian to store it securely on your behalf.

The Safety and Opportunity of Precious Metals IRAs

Gold investments, such as gold products, are gaining popularity as a safe haven for investors seeking to protect their wealth from market volatility. Unlike traditional IRAs relying on stocks and bonds, advantage gold offers a unique opportunity to diversify your portfolio and safeguard your retirement savings. Let’s explore why investing in eligible gold can be a wise choice for your financial future.

Intrinsic Value Unaffected by Market Performance

One of the key advantages of investing in precious metals, like goldco, is their intrinsic value. This value remains unaffected by the performance of stocks or bonds. Gold, silver, and other precious metals have a long history of being recognized as valuable assets. Their enduring worth is due to their limited supply, industrial uses, and desirability in jewelry. Investing in goldco can be done with a minimum investment and the value is typically measured in ounces.

Protection Against Market Volatility

Market volatility can wreak havoc on investment portfolios, causing significant losses for investors. However, with a gold IRA, you can mitigate this risk. Gold investments have historically shown resilience during times of economic uncertainty or inflationary pressures. By allocating a portion of your retirement funds to gold products within an IRA, you can shield yourself from potential downturns in the stock market.

Growing Global Demand

The demand for gold investments and silver continues to rise globally due to various factors such as geopolitical tensions, currency fluctuations, and increased interest from emerging economies. This growing demand creates an opportunity for price appreciation in the precious metals market. By investing in gold IRAs, you position yourself to take advantage of this potential growth while securing your retirement savings. Plus, with free gold, you can further enhance your investment portfolio.

Diversification Benefits

Diversification is crucial, especially when it comes to IRA investing. Including gold IRAs and silver in your portfolio provides an additional layer of diversification beyond traditional assets like stocks and bonds. Gold IRAs from Advantage Gold act as a hedge against inflation and currency devaluation while potentially offering long-term capital appreciation.

Safeguarding Retirement Savings

Retirement accounts are a smart way to secure your money for the future. By incorporating a precious metals IRA into your business strategy, you can protect your savings against uncertainties. Whether it’s through silver IRAs or other precious metal options, these investment vehicles offer growth potential while providing a safe haven for your retirement funds. Customers can benefit from this option with an initial purchase requirement.

Understanding the Fees Associated with Opening a Gold IRA Account

When considering gold IRAs, it’s important to compare fee structures among different companies. Understanding the fees involved in gold investments is crucial, as they can vary. Take the time to compare fee structures and make an informed decision about your minimum investment in gold and silver.

Setup Fees and Account Minimums

One of the fees you may encounter when opening a gold IRA account with Augusta Precious Metals is the setup fee. This fee covers the administrative costs associated with establishing your account. Different companies may have different setup fees, so it’s essential to consider this aspect when choosing a provider to invest in silver with an initial purchase requirement.

Some companies impose account minimums for your initial purchase in a precious metal IRA or gold investment. These minimums can vary from one company to another, so be sure to check if there are any requirements for your traditional IRA.

Annual Maintenance Fees

Another fee that you should be aware of is the annual maintenance fee for your gold IRA account with Augusta Precious Metals. This fee covers the ongoing costs associated with managing and maintaining your silver IRA account. It is typically charged on an annual basis and can vary depending on the company you choose. There is no purchase requirement or minimum to open an account with Augusta Precious Metals.

To ensure you’re getting competitive rates without sacrificing quality service, compare annual maintenance fees among different precious metals IRA companies. Look for providers that offer reasonable rates while still providing excellent customer support and investment options. Consider the advantage of gold and silver accounts, as well as the account minimum and gold bar spread.

Storage Fees and Additional Charges

Since physical gold and silver need secure storage, most gold and silver IRA accounts require storage services provided by third-party custodians. These custodians charge storage fees for safeguarding your precious metals. Be sure to inquire about these fees when considering different precious metals IRA companies for your silver purchase. Additionally, make sure to check if there is a minimum purchase requirement set by the company.

In addition to setup fees and annual maintenance fees, some gold IRA companies may charge additional transaction fees or commissions on purchases or sales of silver or gold within your account. These charges can impact your overall returns, so it’s important to understand them upfront before making any investment decisions. To learn more about gold IRA companies, you can request a free gold IRA kit.

Transparent Fee Disclosure

When choosing a reputable company for your gold and silver IRA investment, transparent fee disclosure is crucial. You should be able to easily access information about the fees associated with opening and maintaining your precious metal account. Reputable companies will provide clear and concise fee schedules, ensuring you have all the necessary information to make an informed decision.

Request a FREE Goldco Gold IRA Kit and Receive Up To $10,000 in Free Silver

Top Gold IRA Companies for Precious Metals Investment

Particularly through an Individual Retirement Account (IRA), choosing the right company for precious metal investments like gold and silver is crucial. The following top gold and silver IRA companies have established themselves as leaders in the industry, offering a range of investment options and exceptional customer service.

Augusta Precious Metals: Transparency and Reliability

Augusta Precious Metals, one of the leading gold IRA companies, has gained recognition within the industry for its commitment to transparency and reliability. The company offers a broad selection of precious metals products, including silver and gold bars, suitable for both first-time investors and experienced collectors. Get your free gold IRA kit from Augusta Precious Metals today.

Investors can choose from an array of gold coins, bars, and rounds provided by Augusta Precious Metals for their IRA. The company also offers silver and platinum options for those seeking additional diversity in their portfolios. By providing customers with detailed information about each product’s specifications and market value, Augusta Precious Metals enables informed decision-making for IRA investments.

Request a FREE Augusta Precious Metals Gold IRA Kit

Birch Gold Group: Personalized Service and Diverse Investment Opportunities

As a trusted name in the industry, Birch Gold Group offers personalized service and a wide range of investment opportunities, including options for a precious metal IRA. The company understands that each investor has unique goals and preferences, which is why it provides tailored solutions to meet individual needs. Whether you’re interested in investing in silver or other precious metals, Birch Gold Group has the expertise to help you make informed decisions.

Birch Gold Group offers an extensive selection of gold and silver coins, bars, and rounds. The company specializes in providing investors with access to self-directed IRAs through its partnership with Equity Trust Company. This allows investors to have greater control over their retirement funds while benefiting from the potential growth of precious metals.

Request a FREE Birch Gold IRA Kit and Receive Up To $10,000 in Free Precious Metals

Goldco: Competitive Pricing, Educational Resources, and Secure Storage Options

Goldco stands out for its competitive pricing, extensive educational resources, and secure storage options. The company aims to empower investors by offering valuable insights into the world of precious metals investing.

Investors can choose from a variety of gold coins and bars offered by Goldco. The company also provides educational materials such as articles, videos, and webinars to help clients make informed investment decisions. Furthermore, Goldco ensures the safety of investors’ assets by offering secure storage options through trusted partners.

Reviews and Rankings of the Best Gold IRA Companies (2023)

Particularly gold, many individuals turn to gold IRA companies for assistance. These companies specialize in helping investors set up self-directed individual retirement accounts (IRAs) that allow them to hold physical gold and other precious metals as part of their retirement portfolio. However, with numerous options available in the market, it can be challenging to determine which company is the best fit for your investment goals.

Evaluating Reputation and Ratings

One of the key factors to consider when selecting a reputable precious metal gold IRA company is its reputation within the industry. A reputable precious metal company demonstrates a track record of providing reliable services and delivering high-quality precious metal products. By reading customer reviews and ratings, you can gain insights into a precious metal company’s overall reputation.

Product Selection

Another crucial aspect to evaluate when choosing a gold IRA company is its product selection. An ideal company should offer a wide range of investment options that cater to different investor preferences. Look for companies that provide various forms of physical precious metals such as gold bars, coins, or bullion.

Fees and Costs

Fees associated with opening and maintaining a gold IRA at different precious metal companies can vary significantly. It’s important to carefully review fee structures before making a decision. Some common fees include custodial fees, storage fees, transaction fees, and annual account maintenance fees. Consider comparing fee schedules across multiple companies to ensure you are getting the best value for your investment in precious metals.

Customer Service

Reliable customer service is essential when dealing with any financial institution or investment firm. A top-rated gold IRA company should have knowledgeable representatives who are readily available to answer your questions and address any concerns you may have throughout the process. Prompt response times and excellent communication skills are also indicators of good customer service.

Overall Value

Ultimately, the overall value provided by a gold IRA company should be a determining factor in your decision-making process. This includes considering factors such as reputation, product selection, fees, and customer service. By carefully evaluating these aspects, you can choose a company that aligns with your investment goals and offers the best value for your money.

Goldco: Best for Customer Service in the Precious Metals IRA Industry

Goldco is a standout company among precious metals IRA companies, offering exceptional customer service that sets them apart from their competitors. With their focus on providing personalized guidance throughout the investment process, Goldco ensures that each client receives the attention and support they need to make informed decisions.

At Goldco, our company offers a team of knowledgeable experts who are readily available to address any questions or concerns you may have about investing in precious metals. Whether you’re new to investing in gold or a seasoned investor, our customer service representatives are dedicated to assisting you every step of the way. Our expertise extends not only to gold bullion but also to other options such as gold coins like American Gold Eagles. With us, you can confidently invest in your IRA.

What truly sets Goldco, a leading company in the industry, apart is their commitment to building long-term relationships with their clients. They prioritize client satisfaction above all else, striving to exceed expectations at every turn. This dedication is reflected in their excellent customer reviews and positive reputation within the industry. Goldco is known for their expertise in helping clients navigate the intricacies of an IRA.

Transparency is another key aspect of Goldco’s company approach. They understand that customers want a clear understanding of their investments, and they provide detailed information about gold prices, market trends, and potential risks involved in investing in precious metals IRAs. By keeping clients well-informed, Goldco empowers them to make educated decisions about their financial future.

In addition to top-notch customer service and transparency, Goldco, a trusted company, offers secure storage options for your precious metals through trusted depository services. This ensures that your IRA investments are stored safely while still being easily accessible when needed.

Customer support should be a crucial factor in your decision-making process when choosing a company for your IRA. With Goldco’s stellar track record for excellent customer service and positive reviews from satisfied customers, they prove time and again why they are considered one of the best IRA companies in the industry.

Request a FREE Goldco Gold IRA Kit and Receive Up To $10,000 in Free Silver

Birch Gold Group: Best for a Variety of Precious Metals

Birch Gold Group is a top choice for investors looking to diversify their portfolios beyond gold. As a company, Birch Gold Group offers an extensive selection of precious metals, including silver, platinum, and palladium coins/bars. This gives investors the opportunity to tailor their holdings according to individual preferences and market conditions, including their IRA investments.

One of the key advantages of choosing Birch Gold Group as your company for IRA is their wide range of options. While many other companies focus solely on gold products, Birch Gold Group goes above and beyond by offering a variety of other metals such as silver, platinum, and palladium. This allows investors to create a well-rounded portfolio that is not solely reliant on the performance of one metal.

Investing in a mix of precious metals can be beneficial for several reasons, especially when considering an Individual Retirement Account (IRA) or a company investment. First, it helps spread risk across different assets, reducing the impact that any single metal’s performance may have on your overall investment. By diversifying your holdings with other metals like silver or platinum, you can potentially offset any volatility in the gold market.

Furthermore, each metal has its own unique properties and uses in various industries. For instance, while gold is often seen as a store of value and hedge against inflation, silver has industrial applications in electronics and solar panels. Platinum is used extensively in catalytic converters for automobiles and palladium plays a vital role in the automotive industry as well. By including these metals in your portfolio through Birch Gold Group’s offerings, you can tap into different sectors and potentially benefit from their respective market dynamics. Investing in these metals can help diversify your portfolio and potentially provide growth opportunities for your company and IRA.

Birch Gold Group is the ideal company for those seeking diversified investments. Their expertise in handling various precious metals, including ira, allows them to provide valuable insights into market trends that may affect your investment decisions. Their team understands the intricacies associated with each metal’s supply-demand dynamics.

In addition to their wide range of options, Birch Gold Group offers a seamless process for purchasing and storing precious metals. The company provides secure storage options for IRA investors who prefer not to hold physical metals themselves. This ensures the safety of your investment while giving you peace of mind.

Red Rock Secured: A Reliable Option for Your Precious Metals IRA

Red Rock Secured is a reliable and secure precious metals IRA company. With their unwavering commitment to protecting investors’ assets, Red Rock Secured has built a reputation as a trusted name in the industry. They offer an excellent choice for investors looking for reliability and security.

One of the key features that sets Red Rock Secured apart is their secure storage options for gold IRA investments. They understand the importance of keeping your precious metals safe and offer various storage solutions to meet your needs as a gold IRA company. Whether you prefer segregated storage or another secure depository, they have you covered. By choosing Red Rock Secured, you can have peace of mind knowing that your gold IRA investments are well protected. Request a free gold IRA kit from one of the leading gold IRA companies today and discover the benefits of investing in physical gold. Plus, with Red Rock Secured, you can also take advantage of their competitive gold bar spread.

In addition to providing top-notch security, Red Rock Secured also goes above and beyond. They believe in empowering investors with knowledge about the gold bar spread so that they can make informed decisions about their precious metals IRA. Their comprehensive educational resources cover everything from understanding the benefits of a Roth IRA to navigating the intricacies of different financial institutions. As a company, Red Rock Secured is dedicated to ensuring that investors have access to valuable information.

When you sign up with Red Rock Secured, you gain access to a dedicated team of professionals from the company who are committed to helping you succeed. Their knowledgeable representatives are always ready to assist you with any questions or concerns regarding the gold bar spread. Whether you need guidance on setting up an IRA account or want advice on which precious metals to invest in, they will be there every step of the way.

Transparency and integrity are at the core of Red Rock Secured, a trusted gold IRA company. They understand the importance of trust in this industry and have worked hard to earn it from their clients. As an authorized representative of Delaware Depository, one of America’s most reputable secure depositories, they ensure that your investments are held in a trusted facility. Request your free gold IRA kit today and take advantage of their competitive gold bar spread.

Exploring Product Selection for Your Precious Metals IRA

One of the most crucial factors to consider when choosing gold IRA companies is the variety of gold bar spread products offered. The right selection of these products can diversify your investment portfolio, mitigate risks, and maximize potential returns.

Diversification: Minimizing Risk and Maximizing Returns

Diversifying your holdings within your precious metals IRA is key to minimizing risk and maximizing returns. By investing in different types of precious metals products, such as gold coins, bars, silver bullion, and other popular forms of precious metals, you spread out your investments across various assets with different market behaviors. This strategy helps protect your retirement portfolio from potential fluctuations in the value of a single metal.

For example, if you solely invest in gold coins in your IRA and the price of gold experiences a significant drop due to market conditions or economic factors specific to gold alone, your entire IRA investment could suffer. However, by diversifying into other precious metals like silver or platinum through silver bullion or palladium products, you reduce vulnerability to any one metal’s performance in your IRA.

Quality Matters: Reputable Mints and Refineries

When selecting a precious metals IRA company, it’s crucial to ensure that they offer high-quality gold bar spread products sourced from reputable mints or refineries. The purity and authenticity of the precious metals are vital for maintaining their value over time.

Reputable mints guarantee the weight and purity of their gold bar spread products through rigorous quality control processes. Look for companies that work with well-known mints like American Bullion or other trusted names in the industry. By choosing an IRA company that partners with established players in the market, you can have confidence in the authenticity and quality of the precious metals products you invest in.

Range of Options: Meeting Your Investment Goals

A crucial aspect to consider when choosing a precious metals IRA company is the range of investment products they offer, including the gold bar spread. Look for companies that provide an extensive selection of options tailored to meet your specific investment goals and risk tolerance.

Here are some examples of the types of products, such as gold bar spread, you might find with reputable precious metals IRA companies.

  • Gold coins, such as the American Eagle, Canadian Maple Leaf, and South African Krugerrand, are popular options for investing in an IRA.
  • Silver bullion is a popular investment option offered by several gold IRA companies. Investors can choose from various forms such as bars, rounds, and coins like the American Silver Eagle or Canadian Silver Maple Leaf.
  • Platinum bars and coins
  • Palladium products

By having access to a wide variety of gold IRA company precious metals products, you can customize your portfolio based on your preferences and market conditions. This flexibility allows you to adjust your investments as needed without being limited to a single type of product, such as gold bar spread. Choose from reputable gold IRA companies for a well-rounded investment strategy.

Understanding the Fees and Costs Associated with Gold IRAs

Opening a gold IRA account involves various fees such as setup fees, annual maintenance fees, and storage fees. These costs are an essential aspect to consider before diving into the world of precious metals investing. It’s crucial to have a clear understanding of these fees upfront and compare them among different gold IRA companies to make an informed decision.

Setup Fees: When setting up a gold IRA account, most companies charge a one-time setup fee. This fee covers the administrative work involved in creating your account and getting it up and running. The amount can vary between companies, so it’s important to inquire about this upfront. Some companies may offer low or even waived setup fees as part of their promotional offers.

Annual Maintenance Fees: Gold IRAs typically come with annual maintenance fees that cover ongoing administrative tasks associated with managing your account. These fees ensure that your investments are secure and compliant with IRS regulations. While some companies charge flat annual maintenance fees, others may calculate them based on a percentage of your total investment value.

Storage Fees: One significant advantage of holding physical precious metals in an IRA is the ability to store them securely in specialized facilities known as depositories. However, this service comes at a cost. Storage fees are charged by the depository for safeguarding your precious metals holdings. The amount varies depending on factors such as the quantity and type of metals you hold.

It’s worth noting that not all gold IRA companies use the same depositories for storage, which can result in varying fee structures. When comparing different providers, be sure to inquire about their storage fee rates and any additional charges related to insurance coverage for your assets.

Transaction Fees or Commissions: Apart from setup, maintenance, and storage fees, some gold IRA companies may impose transactional costs or commissions on purchases or sales made within your account. These charges could include premiums over spot prices when buying metals or fees for liquidating your holdings. It’s essential to understand the fee structure surrounding transactions and determine if it aligns with your investment strategy.

Transparent Fee Disclosure: To avoid any surprises down the line, it is crucial to choose a gold IRA company that provides transparent fee disclosure. Reputable companies will outline all costs associated with their services upfront, ensuring you have a clear understanding of what you’ll be paying for. This transparency allows you to compare fees among different providers effectively.

Understanding the fees and costs associated with gold IRAs is vital in making informed investment decisions. By comparing setup fees, annual maintenance fees, storage fees, transaction costs, and overall fee structures among various gold IRA companies, you can find an option that suits your financial goals while minimizing unnecessary expenses.

Conclusion: Exploring the World of Precious Metals IRA Companies

In conclusion, precious metals IRA companies offer a unique and valuable investment opportunity for individuals looking to diversify their portfolios and safeguard their financial future. By investing in a gold IRA, you can enjoy several benefits such as protection against inflation, a hedge against economic downturns, and potential long-term growth.

These companies provide a safe and secure environment for your investments, ensuring that your precious metals are stored in reputable vaults and protected from theft or damage. They offer opportunities to capitalize on the rising value of gold and other precious metals, allowing you to take advantage of market trends and potentially earn substantial returns in your IRA.

While there are fees associated with opening a gold IRA account, it is important to understand these costs upfront. By doing so, you can make informed decisions about which company to choose based on their fee structure and overall value proposition.

Thorough research is crucial. Reviews and rankings of the best gold IRA companies can provide valuable insights into each company’s reputation, customer service quality, product selection, and pricing transparency. Consider factors such as customer satisfaction ratings, industry experience, regulatory compliance records, and third-party endorsements when making your decision.

Among the notable players in this industry are Goldco – renowned for its exceptional customer service – Birch Gold Group – offering a wide variety of precious metals options – and Red Rock Secured – known for its reliability as an option for your precious metals IRA.

When exploring product selection for your precious metals IRA account, consider factors such as metal types (gold, silver, platinum), coin or bar options (American Eagle coins or bars), purity levels (99.9% pure), storage arrangements (allocated or segregated storage), delivery options (home delivery or custodian storage), buyback policies (liquidity options), etc. Understanding these aspects will help you tailor your investment strategy to meet your specific goals and preferences.

Lastly, it is crucial to have a clear understanding of the fees and costs associated with gold IRAs. These may include custodial fees, administrative fees, storage fees, transaction fees, and more. By comprehending these expenses upfront, you can make informed decisions about which company offers the best value for your investment needs.

In summary, precious metals IRA companies offer a secure and lucrative avenue for diversifying your investment portfolio. With their potential for long-term growth and protection against economic uncertainties, investing in a gold IRA can be an excellent decision. Consider the benefits, safety measures, product selection, reviews of top companies, fee structures, and other factors discussed here to make an informed choice that aligns with your financial goals.


Q: How do I open a gold IRA account?

To open a gold IRA account, you need to follow these steps:

  1. Research reputable precious metals IRA companies.
  2. Choose the gold IRA company that best suits your needs based on factors like reputation, customer service quality, and pricing transparency.
  3. Contact the chosen gold IRA company to initiate the account opening process.
  4. Complete the required paperwork and provide the necessary identification documents.
  5. Fund your account with a gold IRA company by transferring funds from an existing retirement account or making a direct contribution.
  6. Select the desired precious metals products for your IRA.
  7. Review all terms and conditions before finalizing the gold IRA account setup.

Q: Can I roll over my existing retirement account into a gold IRA?

Yes! You can rollover funds from various retirement accounts such as 401(k)s, traditional IRAs, SEP IRAs, or TSPs into a gold IRA without incurring any tax penalties or early withdrawal fees.

Q: Are there any restrictions on what types of precious metals I can include in my gold IRA?

The IRS has specific guidelines regarding eligible precious metals for IRAs. Generally accepted metals include gold, silver, platinum, and palladium in the form of approved coins or bars. It is essential to consult with your chosen precious metals IRA company to ensure compliance with IRS regulations.

Q: Can I take physical possession of the precious metals in my gold IRA?

Yes, it is possible to take physical possession of the precious metals in your gold IRA. However, doing so may have tax implications and could disqualify your account as an IRA.

Disclosure: We are a professional review site that receives compensation from the companies whose products we review and recommend. We are independently owned and the opinions expressed here are our own.