It’s a fair general point that it’s hard and they don’t have a ton of options. If they have a 401k they can rollover to an IRA, or take an existing IRA, and open an Unchained IRA. That’s the best option that I’ve seen.
Discussion
I heard a self custodial (like physical gold) ira doesent allow you to roll over, you basically have to start over with maximum contributions every year and they have a ton of compliance auditing and reporting requirements (expensive to maintain). No idea if unchained is the same way, but i suspect they are. Any ideas?
There is a lot of nuance here and I think the best path would be for that person to reach out to Unchained.