U.S. Money Reserve Review

U.S. Money Reserve is a gold IRA provider ideal for investors seeking financial independence. Founded in 2001, the company offers strong industry leadership.

It has also been the subject of several complaints alleging deceitful sales practices. This U.S. Money Reserve review will cover everything you need to know.

The Verdict for U.S. Money Reserve

I’ve given them a rating of 7 out of 10.

U.S. Money Reserve is a longstanding gold IRA provider for investors seeking financial independence. It offers strong leadership and competitive guarantees.

However, it could improve by providing more transparency in its pricing, storage, and sales practices.

Category	Rating (out of 10)
Product & Service Offerings	8
Pricing & Fees	6
Guarantees	8
Customer Experience	7
Storage & Security	5
Account Setup & Maintenance	7
Reputation & Reviews	7
Overall Rating	7

In this review of U.S. Money Reserve, I’ve followed GIC’s detailed criteria for evaluating the precious metals IRA company.

About U.S. Money Reserve

U.S. Money Reserve was founded in 2001 by gold market veterans who believe that gold is the best means to achieve financial independence.

Based in Austin, TX, U.S. Money Reserve has served 900,000 clients worldwide.

The current president of U.S. Money Reserve is Philip Diehl. As the 35th Director of the U.S. Mint, he offers a tremendous amount of expertise on the financial system in the United States.

The goal of U.S. Money Reserve is to provide investors with trustworthy guidance and a good education on the importance of investing in precious metals.

The company does this by providing educational resources and a competitive customer experience. The company works to help customers make the most informed decisions they can to meet their financial goals.

U.S. Money Reserve holds an A+ rating from the Better Business Bureau and a AAA rating from the Business Consumer Alliance.

Product & Service Offerings

U.S. Money Reserve offers gold and silver IRAs. For individuals that rollover a retirement account to U.S. Money reserve, the company offers a zero-fee discount for the first account.

To qualify, rollover accounts must be above $25,000. Investors will work with a dedicated account executive throughout the entire rollover process.

U.S. Money Reserve offers different gold coins and bars including:

• American Buffalo coin
• Canadian Gold Maple Leaf coin
• Pearl Harbor coin
• 1 oz. gold bars
• Certified gold coins

Aside from gold, U.S. Money Reserve also offers silver bullion and bars.

Some options include:

• Silver Legacy Eagle coins
• Silver American Eagle coins
• World War II battle coins
• 100 oz. silver bars
• Certified silver coins

U.S. Money Reserve does not offer platinum or palladium.

To uphold its reputation as a trustworthy gold dealer, U.S. Money Reserve offers high-quality products that meet gold IRA purity standards.

Items for sale online come with price estimates but it’s recommended that you call U.S. Money Reserve to get live pricing.

Individual bars or coins can be purchased online with delivery expected 5-10 days after purchase.

U.S. Money Reserve’s website denotes which items are available for purchase and which are out of stock.

Pricing & Fees

Setup fee for IRA	$50
Wire transfer fee	$30
Custodian administration fee	$80 annually
Storage fees	$100 to $150 annually (depending on the depository)

U.S. Money Reserve charges a $250 annual fee. This covers account maintenance, custodian, and storage.

For rollovers of $25,000 or new accounts funded with $6,000, U.S. Money Reserve will waive the first-year fees. This promotion also offers a silver bonus for qualifying investors.

There is no minimum order amount but investors who want to benefit from the first year fee waiver need to fund their account with at least $6,000.

If you purchase gold with a credit card there is a limit to $10,000 worth of precious metals per month.

U.S. Money Reserve offers a competitive buyback policy to guarantee investor satisfaction.

If a customer isn’t satisfied with their purchase, they can return certified coins within 30 days for a refund.

Guarantees

U.S. Money Reserve offers some guarantees to boost investor confidence. The company promises to buy back coins and bars at any time.

For gold IRAs, U.S. Money Reserve commits to buying back gold coins at their current market price or your original purchase price – whichever is greater.

If a customer isn’t satisfied with a purchase, they can return certified coins within 30 days.

The company also prides itself on safety and security. Home delivery is provided with insurance and package tracking using discreet shipping.

Personal information is also kept secure so prying eyes don’t need to know that you’re purchasing gold.

While U.S. Money Reserve offers a few guarantees, it’s not as transparent as other gold IRA providers when it comes to the details of opening an account and maintaining it.

The company sells certified and IRA-eligible products and promises security but it lacks clear details on how investor’s gold is verified and protected.

Customer Experience

Investors can reach a customer service representative by phone at 1-888-706-0330.

The company maintains accounts on Facebook and X where customers can reach out with questions as well.

U.S. Money Reserve prides itself on educating investors on the benefits of gold. They offer customized gold information kit that can be downloaded right on their website.

They also offer free consultations where an IRA Account Executive will help you understand your options. Consultations can be booked right on the company’s website.

U.S. Money Reserve is one of a few gold dealers that allows customers to purchase gold and set up accounts online.

They have an easy-to-use customer interface to make this process as seamless as possible.

Storage & Security

U.S. Money Reserve partners with A-M Global Logistics to provide gold IRA storage. A-M Global Logistics manages a full-service depository in Las Vegas, Nevada.

Neither U.S. Money Reserve or A-M Global Logistics provides detailed information on their websites about how inventory is stored or what types of protections they offer.

Account Setup & Maintenance

To set up an account, schedule a consultation with a U.S. Money Reserve representative or call U.S. the company directly.

When you’re ready to open an account, you’ll work with a U.S. Money Reserve Account Executive.

They will guide you through the entire process, ensuring you fill out the right paperwork to verify your rollover.

U.S. Money Reserve will help you open a new gold IRA, transfer an existing gold IRA from a different custodian, or rollover your retirement savings into a gold IRA.

If you opt to do a rollover, you’ll have 60 days after your funds are disbursed to you to deposit them into a gold IRA, otherwise it will be treated as taxable income.

During your consultation call, the U.S. Money Reserve Account Executive will help you select your custodian and will arrange for your gold to be delivered to U.S. Money Reserve’s partner depository.

Reviews & Reputation

U.S. Money Reserve has a strong reputation with more than two decades of experience. The company is AAA rated with the Better Business Bureau.

It has 4.09/5 stars with the BBB and 3.3/5 stars on Google. The company has received four complaints with the Better Business Bureau in the last 12 months.

Common complaints include the company gold valuation, liquidation delays, and issues receiving at-home deliveries.

U.S. Money Reserve maintains accounts on Facebook, Instagram, LinkedIn, YouTube, and X.

U.S. Money Reserve Alternatives & Competitors

While U.S. Money Reserve has been selling gold for decades, there are many alternative gold IRA providers to choose from.

Goldco

Goldco is a good alternative for beginners who want to learn how to use gold to protect their wealth. There is a minimum investment of $25,000.

Goldco charges a one-time setup fee of $50, an annual administrative fee of $125, and an annual storage fee ranging from $100 to $150.

Request free gold and silver guide

Birch Gold Group

Birch Gold Group is ideal for individuals who want to roll over existing retirement accounts beyond traditional IRAs and 401(k)s.

Birch Gold Group charges $225 per year, no matter the size of your account. This includes the account setup fee, storage fees, and an annual account management fee.

Not to mention, for every $10,000 purchased, investors earn a free gold bar.

Request Birch’s free gold info kit

Noble Gold Investments

Noble Gold Investments is a good option if your primary goal is to hedge against inflation. Noble Gold Investments charges an $80 annual account maintenance fee and $150 for storage.

There is a $20,000 minimum to open a gold IRA. Aside from IRA-eligible gold, they also have Royal Survival Packs that can be shipped straight to your door.

These are ideal for individuals who want to keep gold on hand in times of emergency.

Request Noble’s free gold guide

Is U.S. Money Reserve a legit company?

With more than 20 years of experience, U.S. Money Reserve is a legitimate company. They offer gold IRAs as well as coins and bars that you can purchase directly online.

The company’s leadership includes a former director of the U.S. Mint and gold industry veterans. With more than 900,000 clients worldwide, U.S. Money Reserve has established itself as an industry leader.

The primary drawback of U.S. Money Reserve is a lack of transparency. The best way to get information about current pricing, policies, and rolling over funds from an existing retirement account is to work directly with a U.S. Money Reserve Account Executive.

With a history of deceitful sales practices, investors who speak with a representative should make sure they understand how a gold IRA works and what it entails.

The best way to learn more about the company and determine whether or not it is right for you is to download their free gold guide and ask questions during your free consultation call.

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