Inherited IRA to Gold - What are my options? (Palladium focus)

• •I’ve been doing a lot of late-night reading on this but wanted some real-world input.
• •My mother passed away a few months ago, and I’m in the process of dealing with her estate.
• •She had a substantial IRA – about $750k – and I’m inheriting it as a non-spouse beneficiary.

I’ve been doing a lot of late-night reading on this but wanted some real-world input. My mother passed away a few months ago, and I’m in the process of dealing with her estate. She had a substantial IRA – about $750k – and I’m inheriting it as a non-spouse beneficiary. My primary concern, as always, is wealth preservation above all else. With the current market volatility and inflation fears, I’m seriously looking into converting a significant portion of this inherited IRA into physical precious metals, specifically palladium, within a self-directed IRA.

My own portfolio, around $800k, is already diversified, but I’ve always been a proponent of hard assets for long-term stability, especially with talks of de-dollarization. I’m an attorney here in Philadelphia, and while I understand the legalities of inherited IRAs (10-year payout rule for non-eligible designated beneficiaries, for example), the mechanics of converting those funds directly into palladium within the inherited IRA are what’s tripping me up. I’m thinking 20-25% of that $750k initially, maybe more depending on market conditions down the line.

Has anyone here gone through a similar process with an inherited IRA? Specifically, how did you navigate the rollover/transfer to a self-directed IRA custodian that allows palladium? Are there any hidden fees or tax implications I should be acutely aware of beyond the standard RMDs and the 10-year distribution rule? I’m looking for reputable custodians and dealers who specialize in palladium. It feels like a smart move now, but the execution needs to be flawless.

I’m particularly interested in palladium because of its industrial demand and historically high price points, often outperforming gold and platinum. The issue is its relative illiquidity compared to gold and silver, which is a concern. Are there good arguments against heavy palladium allocation in this scenario that I might be overlooking? Any advice on custodians, dealers, or even just general thoughts on this strategy for an inherited IRA would be greatly appreciated. Thanks for any insights.