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How do I take an in-kind distribution from Delaware Depository?

An in-kind distribution allows you to remove precious metals from your IRA without selling them. As part of the request, you will choose whether the metals are transferred to a personal storage account at Delaware Depository or shipped directly to you.

Submit a distribution request

Complete the IRA Distribution Request form and select your delivery method. After STRATA receives your request, we will:

  • Review the form

  • Contact you to verify your information on file

  • Collect applicable shipping and processing fees (see your STRATA Fee Schedule)

  • Send your instructions to Delaware Depository for processing


Delivery options 

The delivery options available are: 

  • Personal storage account transfer
    You may move the metals to your personal storage account at Delaware Depository. You must provide your Delaware Depository personal storage account number. If you do not have one, contact Delaware Depository to establish the account before submitting your request.

Estimated processing time: up to 5 business days

  • Precious metals shipping
    Have the metals shipped to your address of record.

    What to expect:

    • You will receive shipment tracking information from the courier

    • An adult (18+) signature is required upon delivery

    • The package will not clearly identify its contents for security purposes

    • Delivery times may vary during peak shipping periods

Important Information

  • Claims: You must contact STRATA within 7 days of receipt of your precious metals to dispute or report any claims on the shipment.
  • Verification: If your contact information does not match our records, processing may be delayed while we verify your identity. Submit an Information Change Request - IRA Account form before requesting the distribution if updates are needed.

Tax reporting

STRATA reports all IRA distributions to the IRS.

You will receive Form 1099-R by January 31 of the year following the distribution.
The value reported reflects the fair market value of the metals on the date the distribution was processed by Delaware Depository.