Anyone else thinking about passing on gold to their kids? Estate planning with precious metals

• •Been doing a lot of thinking lately about my portfolio and not just for my own retirement, but how to set up my kids down the line.
• •Are you just leaving it all in the IRA structure?
• •Or are you looking at taking physical distribution at some point to pass down directly?

Been doing a lot of thinking lately about my portfolio and not just for my own retirement, but how to set up my kids down the line. I've got a decent chunk, around $750k invested in my Gold IRA right now, and honestly, it's been the most stable part of my whole investment picture given how wild the market has been these past few years. As a tech entrepreneur here in Austin, I'm used to a certain level of volatility, but sometimes you just want something concrete you can count on, you know?

My question is, for those of you who have been in the game longer or who have more experience with estate planning, how are you approaching passing on physical gold or a Gold IRA to your heirs? Are you just leaving it all in the IRA structure? Or are you looking at taking physical distribution at some point to pass down directly? I like the idea of my kids having something tangible, something that's stood the test of time, rather than just another number in a brokerage account that could get wiped out by the next economic downturn.

I guess I'm trying to figure out the most tax-efficient and straightforward way to do this. I've read a bit about gifting limits and also the step-up in basis that happens at death, but the specifics around precious metals in an IRA seem a little murky. Are there any particular strategies you've found effective for minimizing taxes or making the transfer process smooth for your beneficiaries? I want to make sure I'm not creating a headache for them down the road.

Ultimately, I see this gold as a legacy asset. Not just money, but a hedge against whatever future financial craziness the world throws at them. It's about providing a foundational asset that isn't subject to the same whims as stocks or even real estate. Any insights or war stories from people who've actually done this would be massively helpful. What should I be considering that I haven't even thought of yet?