U.S. Money Reserve is a reputable precious metals dealer that helps individuals, especially retirees, protect and diversify their savings through gold IRAs. Backed by former U.S. Mint Directors, the company offers government-issued gold, silver, platinum, and palladium, along with expert guidance and educational resources. Customers benefit from a buyback guarantee, insured shipping, and a 30-day return policy on eligible coin orders.
Editorial Breakdown
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Price
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Overall Rating
Bottom Line
U.S. Money Reserve helps customers set up precious metals IRAs in an easy and reliable process. While former U.S. Mint directors support it, there are a few customer complaints about unfulfilled promises that hold it back from achieving exceptional customer service ratings.
U.S. Money Reserve (USMR) is a trusted precious metals dealer that helps seniors safeguard and diversify their retirement savings through gold IRAs. Backed by decades of industry experience and led by former U.S. Mint Director Philip N. Diehl, the company offers expert guidance and access to government-issued gold, silver, platinum, and palladium.
In addition to one-on-one support from knowledgeable account specialists, U.S. Money Reserve provides extensive educational resources. These include detailed guides on rolling over existing IRAs and 401(k)s into precious metal IRAs, along with market insights to help you make confident, well-informed investment choices. Free gold information kits are also available for those exploring ownership for the first time.
Customers benefit from a 30-day return policy on eligible coin orders, a reliable buyback program, and fully insured shipping that requires a signature upon delivery. U.S. Money Reserve is also the only gold firm in the nation to have worked with not just one, but two former Directors of the U.S. Mint—underscoring its commitment to credibility and client trust.
Whether you’re new to precious metals or expanding your holdings, U.S. Money Reserve provides personalized support, high-quality products, and a reputation for excellence.
Pros
Over 1 million customers served
Emphasis on a long-term personalized relationship
Zero fees for the first year
30-day return policy and solid buyback commitment
Cons
Some negative reviews
Great ongoing promotions
American Hartford Gold Group
Lowest price guarantee and no buyback fees
Up to $15,000 in FREE silver on qualified accounts
Precious Metals Dealer: U.S. Money Reserve offers a wide selection of government-issued physical gold, silver, platinum, and palladium in the form of coins and bars. You can buy gold coins and select at checkout to have them shipped directly to your home (a signature is required for delivery) or to a secure storage facility of your choice.
Precious Metals IRA Services: As a trusted Gold IRA provider, U.S. Money Reserve assists clients in setting up self-directed IRAs backed by physical precious metals. Their team guides you through every step—from selecting metals and choosing a custodian to arranging secure storage—making it easier to diversify and protect your retirement accounts.
Free Information Guide: U.S. Money Reserve puts a special emphasis on education to help customers make informed decisions. It provides a free information kit that helps customers understand diversification with precious metals, including special reports, articles, videos, gold prices, and more expert resources.
U.S. Money Reserve Cost and Pricing
The exact price of setting up a U.S. Money Reserve IRA depends on how much you’re rolling over, transferring, or investing. In general, if you rollover or transfer $25,000 or open a new account of $6,000 (applies only to select inventory), U.S. Money Reserve waives your fees for the first year. The minimum order requirement is $6,000 for new accounts and $25,000 for rollover or transfers.
Typically, you will pay a third-party custodian setup fee and an annual account maintenance fee. You will also pay a fee to the IRS-approved depository where you choose to store your gold. This is typically a yearly fee, plus insurance.
The U.S. Money Reserve is accredited by the Better Business Bureau (BBB) and receives an A+ BBB rating. On the BBB, there are a few complaints, but the company addresses these testimonials to the satisfaction of its customers. On other sites, such as Consumer Affairs, there are complaints about promises that aren’t kept, such as next-day shipping, when in fact it was three-day shipping. The company does personally address concerns, which seems to help, but the overall result is still lackluster reviews.
U.S. Money Reserve FAQ
Does U.S. Money Reserve have fees?
Yes, U.S. Money Reserve has fees, although they’re not disclosed. In the first year, these fees can be waived for qualifying accounts.
Can I transfer my 401(k) to a U.S. Money Reserve gold IRA?
Yes, U.S. Money Reserve specializes in helping customers roll over 401(k) funds into precious metals investments. You can also transfer existing IRA funds into gold IRAs.
Is U.S. Money Reserve legit?
U.S. Money Reserve has over two decades of experience and has assisted more than a million customers in adding precious metals to their portfolios. Additionally, it has been managed by not one, but two United States Mint directors. It may be a solid option for gold distributors and for those looking to diversify their retirement savings with gold or other precious metal IRAs, but as with any investment in physical metals, it’s important to understand the risks involved and maintain a well-balanced portfolio.
Conclusion
U.S. Money Reserve stands out as a trusted gold IRA company backed by directors of the U.S. Mint. It specializes in educating customers to help them make informed investment decisions by utilizing precious metal IRAs to diversify and grow their assets. A buyback commitment and first-year free of fees (on select accounts) make U.S. Money Reserve a worthy consideration when it comes to gold IRA companies.
