Merit Financial Review

Merit Financial was established in 1985, and has earned a name in the precious metals markets over the decades. The company has consistently maintained an excellent reputation and track record of serving its customers through all the market cycles. It has an impeccable record with the Better Business Bureau of the Southland, professional industry councils, and the customers at large.

The company provides market support to investors with real time market updates and financial research, portfolio and coin valuations, two-way market making, and IRA fulfillment. The trained and highly professional staff at Merit includes account executives, traders, and numismatists, and client service professionals dedicated to providing a wholesome and profitable precious metal investment experience in a friendly and informative environment.

Rare Coin and Bullion Trading

Merit Financial provides a wide range of options to investors regarding purchase of physical precious metals. Each of the options offers different benefits and risks, and entails varying costs and margins. Merit Financial’s expertise lies in rare coins, semi-numismatic coins and bullion. The company helps its investors create a diversified portfolio, and recommends that about 10 to 20 percent of the portfolio be in the form of physical metals. It also offers advice on the length of holding period that may be able to provide the best returns on investment.

Insured Deliveries and Storage

Merit Financial covers full insurance on all products until signed for by the recipient. This policy helps ensure the total safety of the customer’s financial interests in case of physical precious metal deliveries. However, it may take at least 12 working days after the receipt of payment by check or credit card to ship out the package.

The company also offers third party depository storage services to its clients. However, the company retains the right to change physical depositories, fee structure and any additional costs without advance notice to clients. Precious metals and coins are stored in co-mingled accounts. The company may liquidate the stored holdings in case of unpaid storage fees.

Competitive Pricing

Merit Financial constantly strives to provide the most competitive pricing for all its products and services, and passes on the maximum value to its customers. However, customers should know that its prices are set internally and keep changing constantly in accordance with the market fluctuations. Prices of coins may depend on market demand, promotions and company performance, apart from market conditions. However, it does not give any guarantee that a customer will necessarily make a profit when selling the coins back to the company.


Merit Financial does not provide any tax advice to the customers. It does not accept money orders or cash as payment for coins. Order cancellation within a period of seven days from the date of transaction is offered only to first-time clients. This privilege is not available for any repeat orders for any customers.

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