U.S. Money Reserve Reviews Are in: What Clients Are Saying

Founded in 2001, U.S. Money Reserve is one of the country's largest distributors of government-issued gold, silver, platinum, and palladium.

The company—led by President Philip N. Diehl, 35th Director of the U.S. Mint—helps portfolio owners establish a personalized diversification plan tailored to their goals. Over the past 22 years, the company has shipped more than $2.3 billion in precious metals and served more than 700,000 clients.

Through the company's exclusive buy-back commitment, clients can return qualifying certified coins within 30 days of purchase or potentially sell them back to U.S. Money Reserve at a later date. To help keep asset holders up-to-date on the latest precious metal developments, U.S. Money Reserve also provides frequent market news alerts, special reports, precious metals price charts, and other informative resources via its website.

Reviews that clients have written about their experiences working with U.S. Money Reserve generally "express overwhelming satisfaction with the company's services," according to a Finance Digest article; a number of clients have stated that the organization is the only precious metals distributor they will work with.

Some U.S. Money Reserve reviews also touch on elements of the precious metals acquisition process that buyers may have questions about, such as the items below.

Why Purchase Physical Precious Metals Assets?

Unlike paper money, which can be printed essentially in any quantity the government decides, only a limited amount of gold, silver, platinum, and palladium exists in the world, giving the metals intrinsic value.

In addition, the need for precious metals has increased because of their industrial applications. For example, the demand for silver—which is used in applications ranging from mobile phones and computers to solar photovoltaic power production, currently the biggest source of green electricity—steadily rose between 2017 and 2022, with the exception of 2020 when the COVID-19 pandemic caused disruptions to various industries. 

Silver's price also increased during that time period, according to U.S. Money Reserve data, escalating from $16.37/oz. at the start of 2017 to $23.85/oz. by the end of 2022. With demand for silver anticipated to continue rising, the Silver Institute predicts supply deficits of more than 100 million ounces within the next five years. 

A number of portfolio owners have chosen to include precious metals in their asset allocation strategy because the assets often tend to retain (or increase) in price during challenging economic conditions such as global debt and geopolitical conflicts.

For example, concerns about global and domestic conditions' possible impact on his portfolio prompted U.S. Money Reserve client Rich D. to transition a portion of his savings to gold.

"I reviewed three companies when I turned over my savings to gold," Rich says in a U.S. Money Reserve review posted to the Better Business Bureau website. "U.S. Money Reserve made me feel very confident about my choice. I knew I had to make a different choice with my savings to protect it. Gold, I found, is the way to protect it. And my choice was U.S. Money Reserve."

Historically, gold has shown an ability to outperform asset classes, such as stocks, that tend to be more susceptible to factors like global debt and geopolitical conflicts. In instances where gold has seen a correction, it's generally rebounded above its previous high point. This long-term growth potential has helped fuel interest in the precious metal.

Gold prices reached a new level during a period of economic uncertainty in 2020, peaking at $2,072/oz.—an increase of more than 675% since 2000. In 2023, gold prices rose almost as high, hitting the second-highest point on record, $2,041.30/oz., in April.

How Do Precious Metals IRAs Work?

When utilizing an IRA as part of their retirement portfolio, many consumers are limited because only a select number of assets are available for inclusion. But in a self-directed IRA, you can hold both traditional IRA assets like stocks and bonds as well as nontraditional IRA assets like real estate and precious metals. A self-directed IRA provides you with complete control over your asset mix.

A precious metals IRA is another term for a self-directed IRA that includes gold, silver, platinum, and/or palladium products. To be eligible for inclusion in an IRA, these precious metals must meet certain standards. Gold products, for instance, are generally required to have a minimum fineness of 0.995 to be held in an IRA.

With a precious metals IRA, you can obtain gold, silver, platinum, and/or palladium assets while receiving the same tax benefits offered by a conventional IRA. And when the time comes to receive distributions from your account, you can elect to receive the actual physical precious metals in your IRA as in-kind distributions.

There are three ways to fund a precious metals IRA, two of which utilize existing retirement funds. Your original IRA custodian can transfer funds directly to your new custodian without any tax penalties; you can roll your 401(k) or other qualified retirement plan balance into the IRA; or you can open your precious metals IRA using money from a checking or savings account.

If you opt to roll your 401(k), 457(b), or other retirement plan over into a new IRA, you can transfer the funds through a direct rollover, where your plan administrator moves the money from an account into your IRA, or an indirect rollover, where you withdraw the funds from your previous custodian and deposit them in your new account. No taxes will be incurred if you complete the transaction within 60 days.

Once your account has been funded, your custodian can use those funds to purchase your selected precious metals products on your behalf. A qualified precious metals provider like U.S. Money Reserve can help guide you through the process to ensure you understand the various options and steps.

One way U.S. Money Reserve helps clients understand more about precious metals and the precious metals IRA process is through educational materials. Bill, a U.S. Money Reserve client, cites these materials as one reason he decided to make his first gold purchase through the company after becoming disillusioned with inflation and deciding to diversify his holdings.

"I had a portfolio of stocks," he says. "But nobody ever talked about gold as part of your portfolio."

 In a Better Business Bureau review of U.S. Money Reserve, client Robert E. also says that he finds the company's assistance helpful.

"Having someone watch over what is going on and helping me to diversify my portfolio is priceless," Robert says. "The help I received in setting up my precious metals [IRA] was handled well and [it] makes me sleep comfortably knowing I was able to lock in my life savings."

How Can U.S. Money Reserve Help Portfolio Owners Review Their Precious Metals Options?

Asset holders have praised U.S. Money Reserve's attentive approach to customer service in online reviews, calling their interactions with U.S. Money Reserve excellent and noting that the company "sets the bar high in trust, patience, expertise, integrity, pricing, and rapport with their customers."

U.S. Money Reserve client Dan K. says that U.S. Money Reserve representatives have been readily available when he's contacted the company for information.

"I have had nothing but professional interactions with any and all agents that I have dealt with at U.S. Money Reserve," Dan says in a U.S. Money Reserve review posted in May 2023 on the Better Business Bureau website. "No matter what time of day that I call, [the representative] is more than willing to talk to me and answer my questions."

Another portfolio owner says the company provided helpful guidance when he reached out about purchasing precious metal assets. Interacting with U.S. Money Reserve, he says, feels like chatting with a friend or family member.

"I felt comfortable and happy during the whole process, and they always had time to answer all my questions," Eric. S. says in a U.S. Money Reserve review posted in May 2023. "I recommend U.S. Money Reserve to anyone wanting to preserve their financial future."

Placing a precious metals order with U.S. Money Reserve is easy. After reviewing the inventory of government-issued bullion, bars, and certified coins on the website, you can select the products you'd like to buy and enter a payment method online.

You can also call 1-888-356-7074 to speak to a dedicated U.S.-based U.S. Money Reserve Account Executive who will discuss your portfolio goals, share information about expanded inventory options and any current offers, and help you complete your precious metals purchase.