CamaPlan Reviews

CamaPlan Reviews
Camaplan is a self-directed IRA provider with a lot of variety to offer. However, they have received multiple complaints for having high fees and poor customer support.
Fees & Charges
Honesty & Transparency
Customer Service
A+ rating on BBB
Variety of investments to offer
Limited online presence
Mixed reviews
Lack of specialization
High fees
Expert Score

What is CamaPlan?CamaPlan Locations, Timings, Email, Phone, Services

CamaPlan offers a range of services to help clients make their own financial decisions for retirement. CamaPlan offers a range of services. In addition to stocks, bonds, and mutual funds, clients have other possibilities.

CamaPlan takes pride in offering customers the expertise and variety of a company established by and for investors. The key to investing in a CamaPlan IRA is to weigh your options.

CamaPlan logo

Investors can access a variety of options for their long-term retirement planning by choosing a CamaPlan IRA. They also aid with regulatory compliance and government reporting.

  • Address: 122 E Butler Ave Ste 100, Ambler, Pennsylvania, 19002, United States
  • Phone: (215) 283-2868
  • Email: [email protected]
  • Website:

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People Behind CamaPlan: CEO, Owner, Co-Founders & MoreWho owns CamaPlan? What is the management team behind CamaPlan?

CamaPlan was founded by veteran investors Carl Fischer and Maggie Polisano to be a company administered “for investors, by investors.”

Since its inception in 2003, CamaPlan has developed a solid reputation for its expertise in a range of investing options and methods.

Carl Fischer: Principle

Carl Fischer

The third generation of the Fischer family to operate as a developer in the real estate sector is CamaPlan founder Carl Fischer. In the 1970s, Mr Fischer started investing while employed as a rocket scientist at the Kennedy Space Center.

He has a Cornell University degree.

Additionally, he has given presentations on the advantages of self-direction for IRA, 401(k), and qualified plans to a variety of groups, including real estate investors, CPAs, brokers, financial advisors, and mortgage specialists.

Mr Fischer is a Certified Trust Specialist (CTS) and a Certified IRA Services Professional (CISP). He is also licensed to teach continuing education courses and real estate.

Maggie Polisano: Principle

Maggie Polisano

Carl Fischer’s colleague and the major owner of CamaPlan is Maggie Polisano. She is a Villanova University alumna and a third-generation real estate entrepreneur.

Polisano offers her customers advice on general investing, tax avoidance, and real estate planning. Ms Polisano is a Certified Trust Specialist (CTS) and a Certified IRA Services Professional (CISP).

CamaPlan Products: Gold and other precious metals, Real Estate, Mortgage Notes, Private Lending, Tax Liens And Other investmentsAll products offered by CamaPlan

The CamaPlan account types are common among suppliers of self-directed IRAs. However, CamaPlan gives its clients access to additional investing options so they can access different assets that can help them achieve their retirement objectives.

Here is a closer look at some of these possibilities for investing in unconventional assets:

Gold and other precious metals

Gold and other precious metals are popular as a hedge against inflation and economic collapse. Asset diversification, according to many financial mentors, is the key to successful investing.

They advocate investing in gold and other precious metals to diversify portfolios and reduce investment risk.

If you’re interested in safeguarding your wealth through your IRA, I recommend getting a guide from our #1-rated company:


Real Estate

With your CamaPlan self-directed IRA, you can purchase any type of property, including single-family homes, multi-family homes, apartment buildings, co-ops, condominiums, commercial property, and land.

Mortgage Notes

You can use mortgage notes to make loans just like a bank with a CamaPlan self-directed IRA. With mortgage notes, you may choose the borrower, the amount of the main loan, the interest rate, the term, and the frequency of payments.

Private Lending

The American Dream is created by entrepreneurs for both themselves and others. They put in a lot of effort and amazing ideas to build a country.

Even the most talented business owners, meanwhile, need working money to start or expand their operations. Through private financing, investors can give entrepreneurs access to working money.

Beware of Gold IRA scams. Recently several scams have been charged by the authorities. Companies such as Regal Assets, Safeguard Metals and Red Rock Secured defrauded hundereds of retirees like you and me. I strongly suggest you learn how to identify gold IRA scams. You can request a free guide using the button below:

Tax Liens

The government places a tax lien on a person’s property when they are behind on their real estate taxes. Being behind on tax collection is not something that local governments like.

As a result, if they are having difficulties collecting real estate taxes, they can sell the tax obligation to a private investor who has a CamaPlan account.

If the investor does not pay the tax lien in full, they will get interest on their investment and become the owner of the property.

Other investments

Beyond stocks, mutual funds, bonds, and other conventional investments, private investors and businesses of all sizes have access to a variety of account types and investment choices.

CamaPlan Accounts:

Here is a brief description of each type of account CamaPlan offers:

Traditional IRA

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CamaPlan allows investors to take advantage of the tax advantages of retirement savings with a traditional IRA. They can also get income tax write-offs for their yearly contributions.

CamaPlan’s Traditional IRA is a tax-deductible account for individuals. Retirement distributions, on the other hand, are taxed. There are no income limits for opening a Traditional IRA.

Roth IRA

A Roth IRA allows investors to make post-tax contributions for their retirement. The main difference between a traditional IRA and a Roth IRA is that contributions to a Roth IRA are not tax-deductible.

However, retirement distributions are tax-free. A Roth IRA account is an excellent option for people who expect to be in a high-income tax bracket when they retire.

However, there are limits on income that investors should be aware of before starting a Roth IRA.


The SEP IRA is a retirement account for businesses, unlike the Traditional and Roth IRAs for individuals. SEP stands for Simplified Employee Pension. SEP IRA contributions are tax-deductible, but distributions are taxed.

A company can match an employee’s SEP IRA contribution. Furthermore, there are no limits on income for employees who want to start a SEP IRA. Employees must inquire with their company about the establishment of this form of retirement account.


The SIMPLE IRA is another type of business retirement account. A SIMPLE IRA allows small and medium-sized businesses to offer retirement planning services to their employees.

SIMPLE IRA contributions are tax-deductible, but distributions are not. Furthermore, there are no limitations on income for opening this form of retirement account.

Many employers allow their employees to select the financial institution that will handle the plan.

Inherited IRA

Individuals may opt to leave their IRA to a loved one when they die. An Inherited IRA, as the name suggests, is for people who received an IRA as a gift from a loved one.

Investors who are the account’s beneficiaries still require an administrator, such as CamaPlan, to handle the money and investments in the account.

How to Invest in CamaPlan IRA?Step-by-step guide for investing in CamaPlan IRA

Time needed: 15 days.

To invest in a precious metals IRA through CamaPlan, here are the general steps:

  1. Open a Self-Directed IRA

    Select an IRA company that handles opening precious metals IRA accounts and fill out an application. You can work with them to recommend an IRA company and provide the necessary paperwork. However, I don’t recommend doing so.

  2. Fund Your IRA

    Once you have selected an IRA company, you can move your funds into your new IRA account. You can work with the IRA company representative to transfer or rollover funds into the new account.

  3. Select a Precious Metals Dealer

    One of the forms you need to fill out along the way is typically called a Buy Direction Letter. This is where you list the precious metals dealer you have selected, such as CamaPlan.

  4. Decide Which Precious Metals to Purchase

    You can choose to invest in gold, silver, platinum, or palladium for your IRA. There are some restrictions regarding fineness requirements and allowable coin types, so it’s important to get guidance from American Precious Metals Inc. in this area.

  5. Place Your Order

    Once the funds are available in your IRA account, you can call them to place your order for the desired precious metals.

  6. Store Your Precious Metals

    Once your purchase is complete, CamaPlan will ship your precious metal products to your chosen IRA-approved storage facility for safekeeping.

However, I don’t recommend opening an IRA with them. Why? Because there are plenty of better options available for you.

Opening a precious metals IRA is a major decision. That’s why I suggest checking out our top gold IRA providers list. There, you can find the best precious metals dealer in your state and choose accordingly.

Also, the list will help you understand what the industry’s best has to offer and what you might miss out on.

CamaPlan Fees and Charges: Do they overcharge?What are their fees? Do they have hidden fees?

About its charging philosophy, CamaPlan is transparent and forthright. The fee schedule for CamaPlan can be seen there. When evaluating CamaPlan’s fees when opening an account, investors should take a few things into mind.

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Cash-only accounts are guaranteed by the company to be free of annual or maintenance costs. Instead, after buying an asset, the investor makes monthly account maintenance payments. The investor just has to pay for the services they actually use as a consequence.

They won’t have to worry about the price before making a purchase and can instead focus on doing their research before buying an investment.

CamaPlan provides the following pricing alternatives in addition to not charging any annual or maintenance costs until you buy an asset:

Two fee options are available:

Alternative A: Asset-based
Alternative B: Value-based

The two possibilities for account fees are as follows. The amount of annual maintenance fees you’ll have to pay will depend on the quantity of assets in your account or the worth of your account.

You have the ability to effortlessly change your charge option as your account and wealth develop.

Charges for Precious Metals

Value-based maintenance fees are charged annually for the precious metals pricing scheme. There is a minimum annual cost of $160 and a maximum annual price of $280.

For the purpose of calculating the depository storage fees and metals insurance, the value of your precious metals is multiplied by.0015. These fees are paid in January of each year.

When the investor sells the asset in January of the following year, CamaPlan will compensate for any increased costs for insurance and storage (due to an increase in the metals’ value).

Fees can be paid by investors using credit cards, debit cards, and bank accounts. However, a convenience fee of 3.5% applies to all credit card transactions. Clients can also cut costs by referring CamaPlan to new customers.

Certainly, their fees are higher than the industry standard. This can be an issue for many investors.

Companies like Augusta charge ZERO fees for up to 10 years and allow you to choose your own gold & silver. CamaPlan on the other hand provides fewer options.

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CamaPlan Reviews and Complaints: BBB & GoogleRead all the CamaPlan reviews & complaints on CamaPlan

Better Business Bureau (BBB)

CamaPlan received a 3.5 rating out of 5 on the Better Business Bureau (BBB) website based on customer reviews and complaints. Moreover, the company has a total of 2 customer reviews and in the last 3 years, 1 customer complaint has been closed.

There are both positive and negative customer reviews. Also, the business is BBB accredited since 2012 and has been in the industry for 19 years.

CamaPlan BBB page
CamaPlan has received #10 complaints on Google

CamPlan has received several unresolved complaints from customers. There are also several unresolved negative reviews on different platforms. Our #1 rated gold IRA company has ZERO unanswered complaints on BBB.


CamaPlan has a 3.5 rating out of 5 on Google based on numerous customer reviews. There are 10 customer reviews in all. The majority of the reviews are positive, with customers appreciating the good customer service and product prizes. Few customers have even written reviews stating that CamaPlan has a knowledgeable team. However, it is impossible to ignore the fact that there are a few negative reviews as well.

CamaPlan Google listing page

Apart from BBB and Google, no other rating platform gave CamaPlan a rating or even an account profile. CamaPlan does not even have a rating on the most trusted rating platforms, Trustpilot, Trustlink, and Yelp.

Positive Reviews:

#1- A customer stated that CamaPlan is a fantastic company, and has great customer service. He will recommend CamaPlan to anyone wanting to grow their IRA.

Positive review on CamaPlan

#2- Another customer said that the negative reviews are like neighbours complaining. Google should remove it for irrelevance.

CamaPlan review on Google

#3- Another customer stated that CamaPlan is her go-to self-directed IRA company for her and her clients.

CamaPlan reviews on Google

Negative Reviews:

#1- A customer said that CamaPlan has good customer service, but they will fee you to death.

CamaPlan scam complaint on BBB

#2- Another customer said CamaPlan is an expensive place to park your self-directed IRA. He also stated that the owner’s son, Ryan is rude and does not belong in customer service.

CamaPlan scam complaint by Jerry

#3- Another customer said that the CamaPlan customer service is very bad and recommended that do not involve with these people.

CamaPlan complaint on BBB

#4- Another customer said that CamaPlan mishandled accounts multiple times.

CamaPlan complaints on BBB

Is CamaPlan Legit? Should You Invest with Them?Is CamaPlan scam or legit? Are they worth it?

No, I don’t think you should invest with them.


  • A+ rating on BBB
  • Variety of investments to offer


  • Limited online presence
  • Mixed reviews
  • Lack of specialization
  • High fees

While they are a legitimate company, they are not the best.

There are plenty of gold IRA companies with far more specialized services in the industry. Before you consider investing with any company, I recommend checking our best gold IRA providers first.

That way, you’d know what the industry’s best has to offer.

Alternatively, you can get a free gold IRA guide from our #1 rated company by clicking the button below:

Furthermore, if you’re eager to find out who is the best gold IRA provider of your state, check out the map below:

Find the best Gold IRA company in your state