Are you preparing to retire in the future? Nobody wants to work forever, so we have to begin preparations now before it’s too late.
In this particular case, opening a gold IRA account is a great way to shore up your retirement future. This account allows you to buy physical precious metals in the form of gold, silver, platinum, and palladium.
Many people realize the benefits of opening this type of account. It’s a valid way to take precaution while protecting your wealth from economic volatility, inflation, and stock market and housing market crashes amongst all the things.
Initiating a gold IRA rollover seems like a complicated process that many people unfortunately fear. There’s a good reason to worry because it’s possible to make a mistake that could lead to an additional 10% penalty and paying early withdrawal taxes.
To avoid this prospect, it’s important to learn about the rules and regulations regarding a gold IRA rollover. I’ll also share information about agold IRA transfer, which is a safer alternative depending on whether or not it’s allowed for your particular account.
Gold IRA Rollover Important Info
The main way to initiate a gold IRA rollover is to take a distribution from a retirement account already in existence, and use the distributed proceeds to fund the gold IRA account. There are many options for investors to choose from as far as personal and employer-sponsored retirement accounts are concerned. The eligible accounts allowed during a gold IRA rollover include:
Traditional IRA
Roth IRA
SEP IRA
Self-directed 401(k)
Employer-sponsored 401(k)
TSP
403(b)
457(b)
When dealing with accounts that are employer-sponsored, the person who owns the account must no longer remain as an employee of their former employer in order to be able to initiate a gold IRA rollover. This is the case all around, but the majority of employers will not allow rollovers from their sponsored retirement accounts.
On the other hand, an employee can initiate a partial rollover once they reach 59 ½ years old as long as their employer allows it.
Please note: when you ask your custodian or administrator to initiate a rollover, the funds will be withdrawn as a distribution from your existing retirement account. The custodian will send the funds directly to you via wire transfer or check.
At this stage, you become responsible to deposit the distribution into your new gold IRA account. You have to make this deposit within 60 days of the distribution taking place.
If you fail to deposit the money within 60 days, you will have to pay an early withdrawal fee in the form of a 10% penalty. Plus, since the rollover is now considered a distribution because you missed the 60-day window, you are also responsible to pay taxes on the income the next time you file with the federal government.
If you are looking to invest in precious metals through your retirement savings, one of the top recommended companies by financial services expertsMy Retirement Paycheckis currently offering up to $10,000 in free silver with qualifying purchases.
Can you afford not to explore protecting your retirement? If you have the slightest concern about the weakening dollar, get afree gold investing guide.
Gold IRA Rollover Rules
As previously mentioned, it’s important to pay close attention to the 60-day deposit rule. Failure to do so can lead to an early withdrawal penalty that costs 10%, as well as paying tax consequences within your next filing. You have to deposit the funds into your new gold IRA account within the 60-day window. If you miss the window, the rollover then becomes a distribution according to the IRS.
The account holder isn’t always responsible to pay an early withdrawal penalty depending on their age. If the account holder happens to be 59 ½ years of age or older, they could potentially miss the withdrawal window and avoid the early withdrawal 10% penalty. Why? 59 ½ years of age is the minimum withdrawal age requirement. Anyone at this age or older isn’t technically taking an early withdrawal because they’ve reached retirement age. Just remember that failing to complete the rollover means you’ve taken a distribution, which also means you must pay taxes on the income when you file a tax return next.
Gold IRA account holders must also be aware that they are only allowed to initiate one rollover every 365 days, or once a year to put it another way. If a second rollover is initiated during the same calendar year, this will be considered a distribution and an early withdrawal penalty will kick in if the account holder is younger than 59 ½ years old.
When rolling over funds from one IRA account to a gold IRA account, there is no need for tax withholding. This isn’t the case with other types of retirement accounts, so keep this in mind. With a 401(k), as an example, there is a 20% tax withholding after initiating a rollover.
Gold IRA Transfer Rules
A gold IRA transfer is an entirely different way to fund your brand-new gold IRA account, and quite frankly, it’s the easiest and most convenient way to fund the account without having to worry about early withdrawal penalties and other tax consequences.
The rules for a gold IRA transfer include:
Account holders are not subjected to a 60-day deposit rule during the transfer process. Why? This is a custodian to custodian transfer, meaning the account holder never gets involved during the entire process. The money goes directly from one retirement account to the other, and the new custodian deposits the funds into the new gold IRA account without your intervention.
Account holders never have to pay early withdrawal penalties during a gold IRA transfer. It’s never going to be an issue because the money moves directly from one account to the other, so a potential distribution never actually happens.
Gold IRA transfer funds aren’t taxable. The only time anyone will pay taxes on funds from a gold IRA account is if they take a distribution. This usually happens when the account holder reaches 59 ½ years old.
There aren’t any limits to the number of gold IRA transfers made with an account during the year. You can transfer funds once a day, once a week, once a month, or once a year if that’s how you want to handle things.
Final Thoughts
Clearly, gold IRA rollover is likely a little more complicated than you originally imagined, but it isn’t mine numbingly difficult to complete. Follow the rules mentioned above and you’ll have no problem initiating a rollover or transfer and properly following the steps so you aren’t subject to early taxes or early withdrawal penalties.
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JULY 1, 2026
Get Your Home Ready for (San Diego) Summer
Tips from the trusted experts at Mauzy Cooling, Heating, Plumbing, and Electrical
San Diego summers can be brutal. But since the hottest period is typically late summer into early fall, San Diegans still have time to prepare. The pros at Mauzy Cooling, Heating, Plumbing, and Electrical are standing by to help homeowners fortify their homes against the elements and ensure their air conditioning is as frosty as the penguins that serve as the company’s mascots.
Many homeowners underestimate the load their AC system faces, especially in the inland valleys where temperatures regularly top 100 degrees. San Diego regularly sees multi-day heatwaves each summer, and a system that struggles on the first day will likely fail by the third.Longer run times, unusual sounds or smells, and uneven cooling from room to room are all signs that your system may not survive the next hot spell.
Systems typically last 12 to 17 years, but there are exceptions. If a system is approaching that, or is already there, a professional evaluation is recommended before summer really heats up. A good rule of thumb: If you can’t remember when your system was last serviced, it’s due.
“As technology changes, systems become smarter and smarter,” says Sean O’Connor, an install manager at Mauzy with 42 years of experience. “There are a lot of people out there who will say a system’s only good for 10 years. I don’t buy that—these systems are built to last as long as they’re taken care of.”
There are also a few steps homeowners can take between services to extend the life of their system. Regularly changing a dirty filter—especially if you have kids or pets—and keeping an outdoor unit clean can help head off problems in the future, says O’Connor.
Also, be realistic about whether it’s time to replace a unit. O’Connor likens pouring money into salvaging a faulty unit with patchwork repairs and replacement parts to “tripping over a dollar to pick up a dime.” When one part fails, others are sure to follow, and newer parts may not be compatible with older units. Mauzy recommends homeowners use the 50% rule: If a repair costs more than 50% of the system’s replacement value, and the equipment is over 10 years old, replacement is usually the better long-term value. And don’t forget the ducting. An older house that was built with heat and later had air conditioning added may not have sufficient airflow, regardless of how good the system is.
Last but not least, homeowners should know who to trust when it comes to their homes. Built on three generations of professional integrity, Mauzy has grown into not just a leader for cooling, heating, plumbing, and electrical services, but a leader in the community known for supporting local nonprofits across an array of causes. To ensure complete peace of mind, Mauzy stands behind a comprehensive 12-point guarantee that outlines its commitment to outstanding service, quality equipment, expert technicians who understand how the local microclimates affect HVAC performance, and no upsells or surprises on the bill.
“We go the extra mile. That’s what sets us apart,” O’Connor says. To get a free quote today, visit mauzy.com.
SeaWorld dazzles with a drone show, big-name entertainers, new animal adventures and more
By Partner Content
Nights are heating up at SeaWorld San Diego. The quintessential summertime staple on Mission Bay is transforming into a destination for unforgettable day-to-night adventures, bringing back some of its most popular Summer Nights programming and introducing exciting new experiences sure to delight both kids and adults alike.
The 2026 Summer Day to Night at SeaWorld San Diego is the park’s most ambitious season yet. SeaWorld has planned a highly anticipated entertainment lineup that features nine weeks of throwback concerts featuring R&B and hip‑hop favorites from the ‘90s and early 2000s, including Jordin Sparks, Too $hort and Warren G, Ashanti, and an array of boy band heartthrobs performing together as part of the Pop 2000 Tour.
New this season is perhaps the park’s most visible update: a nightly drone show, Ocean of Dreams, which illuminates the sky with hundreds of synchronized sparklers. Drones form sea otters, sharks, dolphins, and a majestic orca that tell a breathtaking 12-minute story of marine life and underwater ecosystems. The show culminates with a spectacular electric neon finale celebrating hope, wonder, and ocean stewardship.
Nighttime visitors are also in store for animal adventures that fuse education with high-energy fun and the dreamy ambiance of nighttime. The park has launched two all-new animal presentations: Shamu’s Celebration:Light Up the Night and Dolphins: Touch the Sky. Shamu’s Celebration:Light Up the Night features vibrant lighting, music, and dynamic choreography that celebrates the power and beauty of killer whales. Dolphins: Touch the Sky showcases playful bottlenose dolphins and the special connection between humans and the natural world. And back by popular demand is fan-favorite Sea Lions Tonite. See the charming pinnipeds splash, play, and parody pop culture in this refreshed crowd-pleaser.
More must-sees: a newly reimagined Shark Encounter, one of the country’s more immersive exhibits highlighting 11 different species up close, SeaWorld’s beloved BMX Blast! stunt show, and high-seas escapade, Pirates Ahoy! The Battle for Mermaid Cove. And don’t miss the park’s all-new Deep Sea Disco, which encourages guests to dance the night away under the glow of the SkyTower, and vibrant closing time laser light display Laser Reef Summer Spectacular.
Amp up the nighttime vibe with local craft beers, curated cocktails, and nostalgic theme park treats with $1 beer all summer long. SeaWorld is the place for day to night summer fun. When the sun goes down, SeaWorld lights up, and inspires guests of all ages to embrace their inner whimsy and see why generations of San Diegans head to SeaWorld to make memories they’ll never forget.
While glucagon-like peptide-1 (GLP-1) receptor agents have been used to treat Type 2 diabetes for more than 20 years, their recent emergence as weight-loss wonder drugs marked a new frontier in medicine. But their effectiveness has left some patients wondering what to do once they’ve reached their goal. Stopping the medication could mean regaining some, if not all, of the weight. A Scripps Clinic internal medicine physician recently conducted a small study of whether GLP-1 patients who had reached their goal weight could maintain that weight by taking their regularly prescribed injection every other week instead of weekly. Spoiler alert: 30 of 34 patients did. Read more about the study here and what that may mean as pharmaceutical companies roll out oral GLP-1s.
For more nutrition, wellness, and healthy living tips, sign up for the San Diego Health newsletter here.
The iconic 1,200-acre preserve’s history dates back more than 150 years, evolving from a scrub-filled plot atop a mesa overlooking what’s now Downtown to an urban oasis—the largest of its kind in the country—filled with an array of museums, attractions, gardens, trails, restaurants, and more. Balboa Park is an epic playground where San Diegans and visitors alike can experience the great outdoors just as easily as they can enjoy a world-class performance or explore groundbreaking discoveries.
Tucked away in the Spanish Colonial Revival-style architecture are 18 diverse museums that allow visitors to spend the day learning about, well, anything. A great place to start is the San Diego History Center. Located in the Casa del Balboa building, the museum tells the story of the city’s past, present, and future through photographs and art, clothing and textiles, and interviews with people who witnessed history-making events firsthand. The San Diego Natural History Museum takes visitors even farther back with interactive exhibitions that show what the region was like up to 75 million years ago.
Blast off on a simulated trip to space at the San Diego Air & Space Museum, then check out artifacts from aviation legends, including the Wright brothers, Amelia Earhart, and Buzz Aldrin. Discover new perspectives revolutionizing the science world, learn about an often overlooked but overutilized utility, and exercise your creativity at the Fleet Science Center.
Calling all theater-lovers, Balboa Park has something for you, too. The San Diego Junior Theatre will present their musical take on beloved children’s book A Bad Case of the Stripes from June 26 through July 12. And laugh, cry, and marvel in awe as the pros of The Old Globe perform Kim’s Convenience, the award-winning comedy that inspired the popular series, from May 15 to June 14.
There’s nowhere else in Balboa Park quite like WorldBeat Cultural Center. The institution celebrates African diaspora and indigenous cultures around the world using art, music, dance, and education. The building, a renovated water tower covered in colorful murals, houses a performing arts center, museum, gift shop, cafe, and outdoor classroom.
If you’d like a side of nature with your culture, Balboa Park has you covered there, too. Stroll through the gardens of the Japanese Friendship Garden & Museum, a monument to the relationship between San Diego and its sister city, Yokohama, Japan. Inspired by traditional Japanese design dating back centuries, the 10-acre respite features a living exhibition that showcases plants native to both cities.
If there seems like a lot going on in Balboa Park, it’s because there is. Let theBalboa Park Cultural Partnership be your guide. The organization is the umbrella for 24 of the park’s institutions and offers an Explorer Pass that allows visitors to access multiple museums for one affordable price. The hardest part is picking where to start.
16 Museums, One Pass
Save on admission to San Diego’s top museums with the Balboa Park Explorer Pass. Explore 16 museums of art, science, history and culture across Balboa Park — all with one affordable pass. Choose the option that fits your pace: the Limited Pass (one day for up to four museums), the Parkwide Pass (seven consecutive days of access to all 16 museums) or the Annual Pass (365 days of unlimited exploring).
Looking for an experience-driven gift? Let the museum lover in your life enjoy their favorite museums all year with a Balboa Park Explorer Annual Pass gift voucher.
Bigger experiments, brighter ideas, and boundless curiosity await at the newly reimagined Fleet Science Center. This summer, the Fleet debuts Element 8 Cafe, an expanded theater queuing and concessions space, two new gallery spaces, and, for the first time, a free entrance gallery exploring science in and around San Diego. The transformation marks a new chapter for the Fleet, keeping it a vital, innovative, and accessible science hub for the region. Visitors are invited to explore the experience this summer and connect with the power of science like never before.
Address: 1875 El Prado, San Diego, CA 92101 Website:FleetScience.org Hours: 10 a.m. to 5 p.m. daily Phone: 619-238-1233
Japanese Friendship Garden & Museum
An accredited cultural gem, the Japanese Friendship Garden & Museum brings traditional Japanese garden design to life with koi ponds, curving walkways and layers of greenery. Guests explore bonsai trees, streams and peaceful nooks while taking part in exhibits, educational programs and festivals that illuminate Japanese culture. Situated in the heart of Balboa Park, the garden doubles as a meditative retreat and a dynamic gathering place, welcoming visitors to slow their pace and connect more deeply.
Address: 2215 Pan American Road E, San Diego, CA 92101 Website:Niwa.org Hours: 10 a.m. to 7 p.m. daily; last admission at 6 p.m. Phone: 619-232-2721
The Old Globe
A San Diego summer favorite, The Old Globe invites audiences to experience a beloved local tradition in its outdoor Lowell Davies Festival Theatre.
This summer, the 2026 Shakespeare Festival presents two thrilling tales of power, passion and romance. Measure for Measure, running June 14 through July 12, 2026, is a riveting story of justice and hypocrisy that asks who holds power, who is punished and what it truly means to be virtuous. Much Ado About Nothing, playing Aug. 2–30, 2026, is a classic rom-com packed with schemes, sparks and laughter as opposites attract. Audiences can enjoy both shows for $44.
Address: 1363 Old Globe Way, San Diego, CA 92101 Website:TheOldGlobe.org Hours: Box office open Tuesday–Sunday, 1 p.m. to final curtain Phone: Box office, 619-234-5623
San Diego Air & Space Museum
Aviation and space exploration come to life at the San Diego Air & Space Museum. See an airworthy replica of the Spirit of St. Louis, a Gee Bee racer and historic aircraft from World War I, World War II and the Korean and Vietnam eras. Get up close to the Apollo 9 command module — one of only 11 of its kind in the world — along with Mercury and Gemini capsules, Mission Control and space shuttle simulators, and a selfie spot beside a lunar lander on the moon. Running through 2026, Ripley’s Believe It or Not! brings oddities from around the world to Balboa Park.
Address: 2001 Pan American Plaza, San Diego, CA 92101 Website:SanDiegoAirAndSpace.org Hours: 10 a.m. to 5 p.m. Phone: 619-234-8291
San Diego History Center
History belongs to everyone. At the San Diego History Center, two experiences bring that history to life this summer: America at 250 and the Center for Women’s History. America at 250 traces San Diego’s place in 250 years of U.S. history, while summer programs invite children to learn and explore. The Center for Women’s History amplifies the voices of women whose leadership and creativity have shaped our region.
By understanding our past, we build a more vibrant and inclusive community together. These vital educational experiences are only possible through generous community support. Discover your roots, spark meaningful dialogue, and help keep San Diego’s stories alive for future generations.
Address: 1649 El Prado, Suite 3, San Diego, CA 92101 Website: SanDiegoHistory.org Hours: 10 a.m. to 5 p.m. Wednesday–Sunday Phone: 619-232-6203
San Diego Junior Theatre
Junior Theatre is San Diego’s longest-running youth theatre program, empowering students ages 4 to 18 to explore storytelling, performance, and collaboration in a supportive environment. Through classes, camps, and productions, young artists build confidence, creativity, and lifelong skills onstage and off. Each season features a wide range of opportunities, from introductory experiences to advanced training in acting and musical theatre.
Looking for a summer adventure? Junior Theatre’s Summer Camps deliver dynamic programs for grades K–12, including musical theater intensives, acting academies and immersive JT Studio experiences. It’s a place where imagination truly takes center stage.
Address: 1650 El Prado, Suite 208, San Diego, CA 92101 Website:JuniorTheatre.com Hours: 10 a.m. to 5 p.m. Phone: 619-239-1311
San Diego Natural History Museum (The Nat)
This summer, The Nat is talking trash—literally. Their newest exhibition, Washed Ashore: Art to Save the Sea, features larger‑than‑life marine sculptures made of ocean debris collected from beaches. It invites visitors to explore the impact of plastic pollution and discover ways to take action.
But the experience doesn’t stop at the gallery doors. Friday nights, the exhibition transforms into an ocean-themed “dive bar” during Nat at Night. Select Sundays bring something brand new: a rooftop brunch with sweeping Balboa Park views. Add two new giant-screen films and five floors of nature to explore, and The Nat is shaping up to be one of the season’s must-visit destinations.
Address: 1788 El Prado, San Diego, CA 92101 Website: SDNat.org Hours: 10 a.m. to 5 p.m. daily; 10 a.m. to 11 p.m. Fridays in summer Phone: 619-232-3821
WorldBeat Cultural Center
The WorldBeat Cultural Center is a nonprofit multidisciplinary cultural organization dedicated to promoting, presenting and preserving Indigenous cultures worldwide through music, art, dance, education, sustainability and community programs. WorldBeat elevates multicultural artists, expands opportunities for cultural enrichment and fosters deeper understanding across traditions. WorldBeat offers a holistic cultural experience that inspires pride, unity, connection and belonging for all ages.
Address: 2100 Park Blvd., San Diego, CA 92101 Website:WorldBeatCenter.org Hours: Classes: Monday, Wednesday, Thursday, 6–9 p.m. Exhibits and café: Friday–Sunday, 11 a.m.–6 p.m. Phone: 619-230-1190
Event Calendar
Throughout 2026: Ripley’s Believe It Or Not!
Step into a world of the weird and wonderful at Ripley’s Believe It or Not! at the San Diego Air & Space Museum in Balboa Park. Explore hundreds of bizarre artifacts, interactive displays and unbelievable stories that celebrate the curious and the extraordinary.
Presented in partnership with the San Diego Museum of African American Fine Arts, San Diego’s Lost Neighborhoods uses augmented reality, oral histories, and archival materials to explore communities and residents displaced by redlining, freeway construction, and other discriminatory policies.
Spend a summer night at The Old Globe. The Lowell Davies Festival Theatre stages Measure for Measure (June 14–July 12) and Much Ado About Nothing (Aug. 2–30), offering two unforgettable Shakespeare productions for just $44.
The Old Globe | 1363 Old Globe Way, San Diego, CA 92101
June 8–Aug. 7: Theatre Summer Camps
Summer camps at Junior Theatre spark creativity for grades K–12 with hands-on training, musical theatre intensives, acting academies, and JT Studio experiences.
A museum visit turns into a Sunday Funday with the addition of rooftop brunch, featuring mimosas, bloody Marys, and brunch bites from Wolfish by Wolf in the Woods (June 14, August 9) and Hash House a Go Go (July 12).
Nagashi at the Japanese Friendship Garden & Museum by floating a lantern to honor loved ones who have passed. Stroll merchant booths, enjoy cultural performances in the Inamori Pavilion, and sample food vendors plus a beer and sake garden in the lower garden.
Explore arts, science, history, and culture in the Balboa Park Cultural District with one convenient, affordable Pass. The Balboa Park Explorer Pass is your ticket to up to 16 museums and endless fun! Purchase your pass at BuyMyExplorer.com.
La Gran Terraza, the University of San Diego’s signature restaurant, has been a campus favorite for over 16 years, offering California cuisine with a Mediterranean twist. This summer, its gastropub, O’Toole’s, is open for evening service —perfect for sunset bites and drinks.
At the helm is chef Marbi Becerra, a Culinary Institute of America alum with roots in the US and Mexico. She now leads culinary operations for La Gran Terraza and USD Catering, bringing bold Mediterranean flavors and a fresh perspective.
Try This!
Seared Scallops: With charred broccolini oyster mushrooms corn puree herb cherry tomatoes and chimichurri
Labora Café offers so much more than premium ceremonial-grade matcha; it’s a lifestyle café where people come to feel more energized, inspired, and connected to their community. Labora partners with retailers and lifestyle brands, from local Pilates instructors to Neiman Marcus, so there’s always something new to learn about or browse when you’re here. As for the drinks, whether you’re thinking matcha or Vietnamese coffee with a specialty house-made foam on top, expect a natural pick-me-up, without extra sugars or syrups.
Try This!
Pistachio 54: Pistachio foam layered with a slow drip Viet coffee or Matcha
Labora Café
8055 Clairemont Mesa Boulevard, Suite 101, San Diego, California 92111 858-471-6970 | laboracafe.com | @laborasd
