The Rollover Ledger is researched and written by Karl Jesper, an independent publisher. My professional background is in marketing strategy and market analysis — not financial services, which is exactly why this site is built the way it is.
What I am not
Let me be direct, because this industry isn’t: I am not a financial advisor, accountant, tax professional, or attorney, and I hold no financial credentials. Nothing on this site is personal advice, and I will never pretend otherwise.
What I offer instead is a researcher’s discipline. Every regulatory claim on this site is traced to primary sources — the Internal Revenue Code, US Tax Court decisions like McNulty v. Commissioner, IRS publications, CFTC investor materials — and named so you can verify it yourself. Every company figure is dated and marked by whether the company itself published it or a third party reported it. When something is uncertain, the page says so.
I built this site because I went looking for exactly this resource and found an industry of telephone salespeople instead.
Why trust a site instead of a person
Fair question. The answer is that you shouldn’t trust either — you should trust what’s checkable. This site is built so that its claims don’t depend on my authority: the editorial policy describes how figures are verified and corrected, the fee comparison marks its verification levels, and the primary sources are cited by name. A credentialed byline with unverifiable claims is worth less than an uncredentialed one you can audit.
How this site makes money
Some links are affiliate links: if you request an information kit or open an account through them, the company pays a commission at no cost to you. Two rules keep that honest:
- The drawbacks stay in. Every review names the company’s weaknesses — minimums, sales pressure, fee math, missing guarantees — because a review without them is an advertisement.
- The advice doesn’t bend. The standing guidance here (standard bullion only, direct rollovers only, gold as a slice rather than the whole) reduces what companies earn from you, and therefore what I earn. It stays anyway.
Full details in the affiliate disclosure.
Corrections
Tax rules and company terms change. If you find an error, email contact@rolloverledger.com and I’ll verify and correct it, with the update date noted on the page.