457(b) to Gold IRA Rollover Guide for Government & Public-Sector Employees (2026)

Governmental 457(b) plans (state/local employees) can roll over to a Gold IRA tax-free after separation; non-governmental 457(b) plans cannot. Critical trade-off: governmental 457(b) allows penalty-free withdrawals before 59½, but rolling to a Gold IRA reactivates the standard 10% early-withdrawal penalty until 59½.