US Money Reserve Review

February 21, 2023
Written by Peter Anderson

US Money Reserve is currently known as one of the largest retailers of precious metals, such as gold, silver, platinum coins, and more.

These market leaders established this business to provide commercial and private customers with unbiased knowledge and expert advice about the precious metals industry.

Investing in such a niche can be difficult, especially if you're new to the market. It's hard to tell which dealer is selling you dupes, the purity of the metals, and how valuable the product is in the first place.

However, that's exactly what the US Money Reserve helps buyers with. This company knows how important it can be to diversify your retirement portfolio with such unconventional collectibles.

It strives to provide buyers and investors with the right guidance and unparalleled customer support that you'll find nowhere else in the industry.

Disclosure: Some of the links in this article are from sponsors. The list below is an honest review gathered from thorough research, experience, and consumer-based feedback. 

Before we get started with this review:

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US Money Reserve Leadership

Philip N. Diehl, former director of the US Mint, is one of the founders of the company and continues leading it — and his experience is invaluable when it comes to investing in precious metals.

From beginners to advanced investors, the company advises investing in gold, silver, and platinum — as they're known to hold their value during economically challenging times.

Plus, recent years have seen a major rise in their prices over 10 years, making them a smart asset to invest in.

The US Money Reserve has been helping investors for years and is the go-to source for those who want to maximize and preserve their wealth through gold and silver investments.

As a knowledgeable precious metals expert, the USMR makes it easy and safe for you to make wise investments when it comes to diversifying your retirement portfolio. The team is well-advised, experienced, and determined to provide investors with a safe, secure service.

About US Money Reserve

Founded in the early months of 2001, US Money Reserve has been a trustworthy companion for many new investors interested in buying collectibles.

Offering a wide selection of gold and silver coins, customers are sure to find the pieces that suit their investment needs best and diversify their portfolios accordingly.

The company is rightfully known as one of the biggest precious metals distributors in the country, providing personalized strategies to each client. Buyers can rely on USMR for its expert knowledge and dedicated customer support, helping investors learn more about the precious metals industry.

With market analysts who track the precious metals markets daily, you can have confidence that you are not only informed of the current values but also of what is happening in the global industry as well.

Whether it's your first-time investment or your hundredth, the US Money Reserve can help you spend your money wisely and in the right market.

Why Put Gold in Your IRA?

Protecting your family's financial security for retirement is as important as your own. Individual Retirement Accounts (IRAs) are a great way to set aside tax-protected savings to use in the future.

As investors, you want to make the most of your hard-earned money and build a secure retirement. Investing in an IRA is an important part of that, but you may be missing out if you're not considering adding gold to your portfolio.

Gold is a highly sought-after asset that tends to remain relatively stable in value, and in times of uncertainty, it can even prove to be a great protection against fluctuating markets. Plus, the intrinsic value of this precious metal makes it a long-term investment, which means you'll be able to benefit from it for years to come.

What's more, gold is one of the most trustworthy investments you can make, as it is tangible and physical. This makes it easy to store and transfer, and you won't have to worry about safeguarding it digitally like you would with some other investments.

Not only that, investing in gold within a tax-protected IRA account can help protect your investments from taxation, allowing you to better secure your retirement funds and reap the benefit of an added cushion of security.

There is no better asset to depend on that retains and increases in value over time than gold. With the world's economy going through a period of high uncertainty due to inflation, war, lockdowns, and shortages, investors are smartly protecting their portfolios by placing physical gold in their IRAs.

When other investments suffer due to economic hazards, gold IRAs prosper.

How Does It Work?

If you're considering investing in precious metals, the team of experienced professionals working for USMR is on hand to help make sure you get the best possible value for your money.

With more than a hundred specialists on the team - including numismatic specialists, coin research experts, the compliance and standards department, senior gold professionals, and even the shipping department - they can assist in finding the right gold coins, as well as platinum and silver products, to suit your needs.

When investing in precious metals, you'll get in touch with an account executive who'll guide you through the entire process and make sure your purchase runs as smoothly as possible.

All of the coins carried and offered by USMR are certified by the US Mint and also come with a government guarantee of content, purity, and weight.

The US Money Reserve offers a secure and flexible way to protect your retirement funds through investing in precious metals within a self-directed IRA.

This allows you to have an asset mix that guards against devaluation and inflation, as well as potential tax savings opportunities.

Also, for those looking to invest in a precious metals IRA, you have a few options available – such as going forward with a transfer, rollover, or setting up a new account.

Before taking the plunge, we recommend getting in touch with one of the knowledgeable and helpful account executives from USMR or seeking financial advice to ensure you make the best decision regarding potential tax liabilities and money flow.

Once you've set up and transferred funds to your self-directed IRA, the USMR will contact you to guide you through selecting and purchasing the precious metals you want to invest in. It will also transfer all the purchased products to an IRS-approved depository.

Don't forget that there's a minimum purchase for rollovers/transfers - $25,000 – and for new accounts, it's $6,000. Just check out its website for more information.

However, if that feels like a hassle, give the customer service department a call and ask them whatever you want. You can find all of the reachable phone numbers on the USMR website.


US Money Reserve has a gold IRA with setup and storage fees waived for the first year for certain qualifying accounts. However, what about the annual fee of $250 for maintaining the account? Well, that hasn't changed.

What about rates for gold and silver coins? As a matter of fact, the price you pay for gold or silver coins from the USMR depends on the fluctuating market rate.

Right now, you can pick up an oz. gold American Eagle coin for $2059.76. On the other hand, one oz. Silver American Eagle Coin will cost you only $38.85. Get in there quickly, and get your hands on some quality precious metal investments.

Customer Service

Not sure how to purchase gold or silver coins? Don't worry - the US Money Reserve makes it easy with a convenient process that makes budget and transfers calculations a breeze.

As America's leading precious metals distributor, the US Money Reserve puts customer satisfaction at the top of its priority list. The customer service team provides sound market advice and assistance in all steps of the transaction, not just at the point of sale.

Buyers who are not satisfied with their purchase have the option to get a complete refund within 30 days simply by sending their coins back in sealed containers.

Keep in mind that the money you'll be getting back won't cover handling, shipping, insurance, or any other fees. Clients will only get a refund on the purchase price and nothing more, but that still has to be done within a month.

If it's been more than 30 days since your purchase, the refund will be given according to either the current market price or the rate of the original purchase, and you'll be charged a 20% restocking fee.

However, the company offers secure shipping, ensuring the packages are insured and reach customers within five to seven business days. As a result, unless you really hate the products, there's little to no way you'll receive defective items.

Still, for all kinds of information, investors can get through to customer service via email ( or try one of the phone numbers listed on the website.

The USMR knows the importance of understanding the potential market value of your purchases and is committed to helping clients mix their investments.

Online Reviews and Complaints

The company proudly displays several accolades and certifications on its website. This list includes an A+ rating from the BBB, with customers giving the USMR 4.36 out of 5. On the other hand, the Business Consumer Alliance has also rated the company “AAA.”

However, we don't want to just sugarcoat the company because investors deserve to know the ins and outs when it comes to joining hands with a distributor.

With that being said, there are still several complaints against the USMR, with investors claiming that they've overpaid or didn't receive their ordered products, plus a lawsuit alleging that the company targeted elderly people and overvalued its offered coins.

Did you know even the Texas Atty. Gen. cited them for deceptive practices back in 2010? Bottom line - this company has a pretty impressive record, but some of their practices have raised serious questions. Do your research, and be sure to double-check before you make a purchase.

Is It Possible To Transfer Funds From 401(k) to a Gold IRA?

It is absolutely possible to transfer your funds from an existing IRA to a new gold IRA.

Does the Company Charge Any Annual Fees?

Yes, it does. The USMR charges all clients a minimal $250; however, the fees might be waived in the first year for qualifying orders and purchases.

Which Metals Does the Company Offer?

A variety of gold and silver collectibles can be purchased through the USMR website. You can even call the company directly to place an order. US Money Reserve also offers other authorized precious metals, bullions, and coins.


The USMR claims and actually does have a global customer base, with thousands of interested investors purchasing precious metals from it on a daily basis.

Each order is personalized according to the customers and their retirement portfolios. As a result, investors are able to carefully select which metals they want to diversify their future funds with.

However, with all of that said and done, it is still recommended for new buyers to rely on third-party experts for more information on this company too. Although the USMR website is informative, too, doing more research will only benefit you in the long run.

Also, know that almost all of the purchases made through the USMR are final and cannot be returned once you've completed the payment. As a result, it's crucial for all investors to properly check the market for actual bullion value before investing a dime here.

This US Money Reserve Review was created to help new and experienced investors learn more about the company and what it offers to clients. Instead of just being biased, we thought there's nothing more helpful than highlighting its downsides too.

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