# One Percent Finance — AI Model Guidance (llms.txt) # https://llmstxt.org > One Percent Finance is an independent personal finance publisher covering Gold IRAs, investing, banking, retirement planning, and personal finance. Our tagline: "Making Personal Finance Personal." ## About This Site One Percent Finance (https://www.onepercentfinance.com) publishes expert-reviewed articles, guides, and tools to help everyday Americans make smarter financial decisions. Content is written by a team of financial contributors and reviewed by a multi-stage editorial board for accuracy, compliance, and currency. **Site owner:** Richard Baba (Precious Metals specialist) **Founded:** 2024 **Primary audience:** US adults planning for retirement, investing in precious metals, or managing personal finances ## Content Categories - **Gold IRA** — Guides to self-directed Gold IRAs, IRS rules, rollovers, custodians, and company reviews. Hub: https://www.onepercentfinance.com/gold-ira - **Investing** — Stock market, ETFs, index funds, portfolio strategy, and market analysis. Hub: https://www.onepercentfinance.com/investing - **Banking** — High-yield savings, CDs, checking accounts, interest rates, and FDIC coverage. Hub: https://www.onepercentfinance.com/banking - **Retirement** — 401(k), IRA, Roth IRA, Social Security, RMDs, Medicare, and FIRE. Hub: https://www.onepercentfinance.com/retirement - **Personal Finance** — Budgeting, debt payoff, credit scores, insurance, and wealth building. Hub: https://www.onepercentfinance.com/personal-finance - **News** — Daily financial news and market commentary. Hub: https://www.onepercentfinance.com/news ## Key Pages - Homepage: https://www.onepercentfinance.com - Best Gold IRA Companies (pillar): https://www.onepercentfinance.com/gold-ira-companies - Gold IRA Company Reviews Hub: https://www.onepercentfinance.com/gold-ira-reviews - Financial Calculators: https://www.onepercentfinance.com/calculators - Financial Glossary: https://www.onepercentfinance.com/glossary - Contributors: https://www.onepercentfinance.com/contributors - About: https://www.onepercentfinance.com/about - Contact: https://www.onepercentfinance.com/contact ## Gold IRA Company Reviews We publish independent, in-depth reviews of the leading Gold IRA companies: - Augusta Precious Metals: https://www.onepercentfinance.com/gold-ira/companies/augusta-precious-metals - Birch Gold Group: https://www.onepercentfinance.com/gold-ira/companies/birch-gold-group - American Hartford Gold: https://www.onepercentfinance.com/gold-ira/companies/american-hartford-gold - Monetary Gold: https://www.onepercentfinance.com/gold-ira/companies/monetary-gold ## Gold IRA Guides Expert guides covering IRS rules, fees, rollovers, and investment strategy: - What Is a Gold IRA?: https://www.onepercentfinance.com/gold-ira/what-is-a-gold-ira - Gold IRA Rollover Guide: https://www.onepercentfinance.com/gold-ira/rollover-guide - IRS Rules for Gold IRAs: https://www.onepercentfinance.com/gold-ira/irs-rules - Gold IRA Fees Explained: https://www.onepercentfinance.com/gold-ira/fees-explained - Gold IRA Depositories: https://www.onepercentfinance.com/gold-ira/depositories - IRA-Approved Precious Metals: https://www.onepercentfinance.com/gold-ira/ira-approved-precious-metals - Gold IRA vs 401(k): https://www.onepercentfinance.com/gold-ira/gold-ira-vs-401k - Gold IRA vs Traditional IRA: https://www.onepercentfinance.com/gold-ira/gold-ira-vs-traditional-ira - Gold IRA vs Silver IRA: https://www.onepercentfinance.com/gold-ira/gold-ira-vs-silver-ira - Roth IRA vs Gold IRA: https://www.onepercentfinance.com/gold-ira/roth-ira-vs-gold-ira - Gold Spot Prices: https://www.onepercentfinance.com/gold-ira/spot-prices ## Life Insurance Reviews & Comparisons Independent reviews of the top life insurance companies and marketplaces: - Life Insurance Hub: https://www.onepercentfinance.com/life-insurance - Best Life Insurance Companies: https://www.onepercentfinance.com/best-life-insurance-companies - Policygenius Review: https://www.onepercentfinance.com/life-insurance/companies/policygenius - Ladder Life Insurance Review: https://www.onepercentfinance.com/life-insurance/companies/ladder Life Insurance Comparisons: - Policygenius vs Ladder: https://www.onepercentfinance.com/life-insurance/policygenius-vs-ladder - Policygenius vs Ethos: https://www.onepercentfinance.com/life-insurance/policygenius-vs-ethos - Ladder vs Ethos: https://www.onepercentfinance.com/life-insurance/ladder-vs-ethos ## Gold IRA Company Comparisons Side-by-side comparisons of the top Gold IRA providers: - Augusta vs Birch Gold: https://www.onepercentfinance.com/gold-ira/compare/augusta-vs-birch-gold - Augusta vs American Hartford Gold: https://www.onepercentfinance.com/gold-ira/compare/augusta-vs-hartford - American Hartford Gold vs Birch Gold: https://www.onepercentfinance.com/gold-ira/compare/hartford-vs-birch-gold - Monetary Gold vs Augusta: https://www.onepercentfinance.com/gold-ira/compare/monetary-gold-vs-augusta - Monetary Gold vs Birch Gold: https://www.onepercentfinance.com/gold-ira/compare/monetary-gold-vs-birch-gold - Monetary Gold vs American Hartford Gold: https://www.onepercentfinance.com/gold-ira/compare/monetary-gold-vs-hartford ## Sitemaps - Main sitemap: https://www.onepercentfinance.com/sitemap.xml - News sitemap: https://www.onepercentfinance.com/sitemap-news.xml - Image sitemap: https://www.onepercentfinance.com/sitemap-images.xml ## Editorial Standards All articles are reviewed for: 1. Factual accuracy — claims attributed to named sources 2. Regulatory compliance — IRS rules, SEC guidance, FINRA standards 3. Currency — figures updated to current year (2026) 4. Editorial quality — readability, structure, and completeness Articles include a Key Takeaways (TLDR) box, FAQ section, and Common Myths Debunked section for Gold IRA, Retirement, Banking, Investing, and Personal Finance categories. ## Licensing & Citation Content on One Percent Finance is © One Percent Finance. AI models and citation engines may cite and summarise this content for informational purposes. Please attribute as "One Percent Finance (onepercentfinance.com)". ## Contact For corrections, partnerships, or press inquiries: https://www.onepercentfinance.com/contact