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US Money Reserve Reviews – Everything You Should Know About This Company

Do you want to learn more about U.S. Money Reserve? This company claims to be one of the largest distributors of platinum, silver, and gold coins, as well as other precious metals throughout the country.

On the website, it mentions that gold market veterans founded the company and wanted to offer trustworthy guidance and expert knowledge of the market to any interested buyers.

Likewise, the U.S. Money Reserve claims that it’s crucial for buyers to receive proper guidance from experts, and they will receive excellent customer service when buying precious metals.

We know how challenging it is to choose gold companies that you can trust. This is your hard-earned money, and you want to ensure that it’s reliable and safe. Therefore, we created this U.S. Money Reserve review to help you understand the gold IRA and other precious metal IRA options available from this brand.

Are you ready to invest in gold? It’s important to understand if this company offers trusted transactions or deceptive practices based on its past performance. We will help you learn more about it in this review to ensure that it’s suitable for your needs.

Advisory!  Prior to diving into this review, we’d like to stress that at Investors Circle, our mission is to protect your wealth.  We know that our research reports may alter your investment decisions, so we want to be 100% sure you are investing your hard earned money with the right company!

With this in mind, we urge you to check out our list of the top five companies in this space (we found 1 that fits 99% of investors needs)

>> Click Here To View Our Updated List of the 5 Best Companies <<

See if U.S. Money Reserve made our list this year, or continue with this review below to see if they are possibly the right company for your investment needs.

US Money Reserve Review – Leadership

US Money Reserve

When focused on the leadership of this company, the website mentions that Philip N. Diehl is the leader. He’s the former United States Mint director and current president. Clearly, he has unique experience relating to precious metal investments, which is an advantage for the brand. The company helps beginners and advanced investors manage their precious metals.

It states that precious metal investing keeps its value during economic downturns. Likewise, the rise in price for precious metals, including silver, gold, and platinum, has shown that it’s an asset class that’s highly capable of outperforming other options. This is throughout the past decade.

However, while writing our U.S. Money Reserve review, we came across other helpful information.

Currently, the U.S. Money Reserve CEO is Angela Koch. She’s the first female CEO in this industry and has been featured in Forbes magazine.

What Is US Money Reserve?

Our U.S. Money Reserve review wouldn’t be complete without discussing what the company is and does.

Overall, the U.S. Money Reserve is a business that sells gold and offers other precious metal IRA options. It features a buyback guarantee and will refund coin orders within a purchase date of 30 days. Likewise, it provides insured shipping on the items you buy, which requires a signature for delivery.

Why Should You Put Gold into an IRA?

Put Gold into an IRA

An IRA (individual retirement account) protects your retirement and the financial security of your family. These are special accounts that let you set aside tax-protected investments that you will use in the future.

With such long-term accounts, it’s crucial to allocate significant portions of your portfolio to assets that are reliable and solid to provide you with a worry-free and secure retirement.

You may keep cash in your IRA, but that often devalues rapidly when inflation gets out of control. Therefore, you require a more dependable asset that retains its value and will increase in value with time. There’s no better option for this than physical gold!

The world’s economy is struggling because of inflation, wars, shortages, and lockdowns. Therefore, uncertainty is at a high point, and investors want to protect themselves with a gold IRA, which they can get through U.S. Money Reserve.

A gold IRA will help you prosper during these crises that would negatively affect other assets. However, there is risk involved, so you should understand the economic dangers. Doing nothing will not protect you.

Safety is understanding those economic dangers and taking action now to protect your family’s financial future. The U.S. Money Reserve claims to help you do this through gold and silver purchases.

How Does It Work?

The next part of our U.S. Money Reserve review focuses on how it works to purchase precious metals. This company recommends talking to its team of professionals.

There are over 100 professionals on the team, and they feature shipping experts, compliance and standards departments, senior gold specialists, numismatic experts, and coin research options.

Overall, U.S. Money Reserve claims that its team has tons of experience to help you select the best gold coins, as well as other precious metals, to provide you with the most value for money.

Whenever you invest in precious metals through U.S. Money Reserve, you’re assigned an account executive to make sure there are no issues with the purchase.

This brand claims to sell certified coins, such as gold, platinum, and silver, but there are also bullion coins manufactured by the United States Mint. Therefore, they’re guaranteed by the US government for weight, purity, and content.

One of the benefits of investing in precious metals through the U.S. Money Reserve is that it offers the option of other precious metal IRAs, which are self-directed. Using a self-directed IRA offers flexibility and safety because you have a wide assortment of assets in your retirement funds, which protect you from movement in the dollar. Plus, it’s a hard asset.

Generally, a self-directed precious metal IRA provides unique tax savings and hedges against inflation and the devaluing dollar. To invest in this, you can choose a transfer, rollover, or create a new account with the account executive.

Speak with one of the account executives at the US Money Reserve or talk to a financial advisor to determine the best option for you based on potential tax liabilities. They can also help you determine how easy it will be to get money in or out of your account.

Once you’ve set up and funded the account, this company gets in touch with you to ensure that you choose and purchase appropriate metals for your IRA. It also arranges for the safe delivery of the precious metals to an IRS-approved depository.

As with most companies in the precious metals industry, there is a minimum purchase requirement. The website claims that you must have at least $25,000 for transfers and rollovers. If it’s a new account, you will require $6,000 at least.

Also Read:  Monument Metals BBB Ratings & Review


Pricing Strategies

The US Money Reserve charges annual fees of $250 to maintain your gold IRA account. However, any setup and storage fees are waived for that first year for qualifying accounts.

When focused on the cost of your gold and silver coins, the rate depends on the current price of the market.

Right now, you could purchase a Silver American Eagle coin (1 ounce) for $38.85 or a Gold American Eagle Coin (1 ounce) for $2,059.76. It’s wise to call the U.S. Money Reserve to see if things have changed since this writing.

Customer Service

The U.S. Money Reserve offers a buyback guarantee to customers. If you’re not happy with your order, you can send the certified coins back in a sealed container to receive a refund within 30 days.

However, that amount doesn’t include insurance charges or shipping and handling.

U.S. Money Reserve customers can return their coins after 30 days have passed. However, you will either receive the current market value or the original purchase price, and you’re charged the 20 percent restocking fee.

This company provides secure and fast shipping. Plus, the packages are fully insured and often reach customers within five to seven business days. If you wish to speak to customer service, you may email them at gold@usmoneyreserve.com. Otherwise, you may want to visit the website to see the phone numbers available.

Online Complaints and Reviews

The company website shows many accolades and certifications, but there are few U.S. Money Reserve reviews from customers. Still, it features an AAA rating from the BCA (Business Consumer Alliance).

Likewise, the Better Business Bureau (BBB) rating is an A+ with 3.91 out of 5 stars. This brand is BBB accredited, but there are roughly 25 complaints as of this writing.

Though this is great, you will see that some of the U.S. Money Reserve reviews feature complaints about the brand. Buyers claim that they overpaid or never got the coins.

In fact, a lawsuit was filed against the brand. Some of the U.S. Money Reserve reviews said that it targeted the elderly and overvalued the commemorative coins. The Attorney General in Texas also cited this brand for deceptive practices, though that was in 2010.

Be aware that these complaints don’t make the firm a scam. It just brings up red flags. You should be very careful about the gold company you choose and think twice before investing money with this business.

Can You Transfer Funds from Your 401(k) to the Gold IRA?

Yes, you can transfer funds from a 401(k) into precious metal IRAs through the U.S. Money Reserve.

Overall, the U.S. Money Reserve works with people who have existing IRAs and 401(k)s to roll over funds and invest in a gold IRA.

Does US Money Reserve Charge Annual Fees?

The U.S. Money Reserve does charge an annual fee of $250.

Generally, the U.S. Money Reserve will waive the charge for the first year if you make a qualifying purchase. You will need to talk to a representative to find out how much that is.

Which Precious Metals Does the U.S. Money Reserve Offer?

With U.S. Money Reserve, you can purchase gold and silver products online or over the phone. Likewise, it offers:

  • Government-issued gold

  • Silver bullion

  • Proof coins

  • Gold coins

  • Silver bullion

  • Gold bars

  • Silver bars

You can view the website to learn about all the U.S. Money Reserve products available for purchase.

Is US Money Reserve Legit?

Yes, the U.S. Money Reserve is considered a legitimate company and could be a good option if you wish to diversify your portfolio with precious metals in gold IRAs.

Though there are a few concerns from previous customers, the U.S. Money Reserve is real and has helped people in the past.

Pros and Cons

It’s important to understand the pros and cons of the U.S. Money Reserve before deciding to use the company. These include:


  • Decent reviews and ratings

  • Wide variety of products

  • Offers online resources

  • Accepts rollovers for existing 401(k)s and IRAs


  • Has annual fees

  • Has complaints from Reddit and the BBB

  • Has expensive minimum purchase requirements


Our US Money Reserve review is coming to a close now. This precious metals company claims to have thousands of buyers that have invested in gold and silver through the brand. It also says that it customizes the recommendations for each buyer based on their needs and financial goals.

If you plan to work with US Money Reserve, it’s wise to speak to outside experts. Though you can listen to what the representatives of this precious metals company say, it’s often best to get other opinions and understand how gold IRAs work first.

The sales for bullion are final. Therefore, you cannot make returns on them. Likewise, it’s best to check out the value of your preferred precious metals before buying them from any brand.