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Looking to read a trustworthy US Money Reserve review before putting your money into precious metals?
US Money Reserve stands 22 years old with over 785,000 clients worldwide as a major player in the precious metals industry.
Precious metals become a financial safe haven during economic uncertainty. This proved true in both the 2008 financial crisis and COVID-19 pandemic.
Gold and silver managed to keep their value and even saw price increases. Many investors ask if US Money Reserve is legitimate. The company’s credentials speak volumes – an A+ Better Business Bureau rating paired with a AAA rating from the Business Consumer Alliance. Their track record shows more than $2.5 billion worth of coins shipped, helping countless investors broaden their portfolios.
This complete review heads over to everything you should know about this precious metals company. You’ll find details about their product offerings, fee structure, customer experiences, and investment processes. The review covers their 30-day return policy, real customer feedback, and how their services line up with your investment goals.
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Is US Money Reserve Legitimate? A Look at Trust Signals
Credibility and background play vital roles in choosing a precious metals dealer. US Money Reserve stands out with its expert leadership, industry recognition, and customer-focused service. These three pillars shape its position in the precious metals market.
Company History and Leadership
US Money Reserve started in 2001. Gold market veterans founded it to educate customers and provide focused service in precious metals investing. The company grew to become one of America’s largest private distributors of government-issued gold, silver, platinum, and palladium products.
US Money Reserve is the only precious metals firm that works with two former Directors of the United States Mint. This unique distinction sets them apart from competitors:
- Philip N. Diehl, the 35th Director of the United States Mint and former Chief of Staff of the U.S. Treasury Department, guides the company as President
- Edmund C. Moy, the 38th Director of the United States Mint, serves as Senior IRA Strategist
Their executive experience gives US Money Reserve unique insights into industry and government operations. The leadership team also features Angela Roberts as CEO, with Christol Farris as Chief Operations Officer and Ryan Buchanan as Chief Creative Officer.
The company’s client base has grown to more than 500,000 in the last two decades. Some sources suggest this is a big deal as it means that the number might be closer to 785,000 globally.
BBB and Trustpilot Ratings
Ratings from independent organizations help investors make informed decisions. US Money Reserve has an A+ rating from the Better Business Bureau (BBB), which shows their steadfast dedication to ethical practices and customer satisfaction. The company’s BBB accreditation dates back to April 2020.
BBB platform reviews average 4.03 out of 5 stars from 70 customer evaluations. Trustpilot scores range from 3.6 to 4.1 out of 5 stars.
The Business Consumer Alliance gave US Money Reserve their highest grade – a AAA rating. This helps customers identify trustworthy and reliable businesses. The company also partners with respected organizations like the American Numismatic Association and Professional Coin Grading Service.
Customer Complaint Resolution Record
One thing that I have noticed in all these years is that the way companies handle complaints often reveals more about their character than the complaints themselves. US Money Reserve has resolved 19 BBB complaints in the last three years. Only 4 complaints occurred in the past year.
Customer issues get resolved within 24-48 hours. Their service package includes:
- 30-day returns on certified coin purchases
- BuyBack Guarantee program
- Personal account executives for individual-specific experiences
The company’s focus shifted to transparency and customer education after addressing sales practice concerns with the Texas Attorney General in 2011. They respond to every consumer complaint through official channels, showing their dedication to customer satisfaction.
Most customers praise the company’s professionalism, educational resources, and transparent transactions. Negative feedback usually relates to shipping delays or inventory availability rather than questions about integrity.
US Money Reserve Products and Services Explained
US Money Reserve has a rich selection of precious metals that appeal to collectors and investors looking to diversify their portfolios. Their catalog ranges from government-issued bullion to special commemorative coins, giving customers options that match their investment priorities.
Gold and Silver Coins
US Money Reserve specializes in government-issued coins with backing from national mints. Their gold collection features popular choices like Gold American Eagles, Gold American Buffalos, and South African Krugerrands. The gold coin selection stands out with its range of purities and sizes – from 22-karat Gold Eagles to 24-karat Gold Buffalos, available in sizes from 1/10 oz. to 1 oz..
Investors can also find unique coins like the Austrian Gold Philharmonic, which boasts the largest diameter for its size and purity, and the Canadian Gold Maple Leaf – the first bullion coin made from 99.99% pure gold.
The company also sells certified coins graded by the Professional Coin Grading Service (PCGS). These coins come authenticated and sealed in tamper-proof holders. The certified options can shield investors from spot price swings since their value depends on more than just metal content.
US Money Reserve creates special commemorative series too, like the 75th Anniversary Pearl Harbor and Iwo Jima bullion coins. These limited collections showcase historical designs, with the Pearl Harbor series limited to just 1,000 coins.
The Silver American Eagle leads their silver lineup as one of the world’s most popular silver coins, containing 1 troy oz. of 99.9% pure silver. Other silver options include Silver Canadian Maple Leafs, Austrian Philharmonics, and their exclusive Reagan Legacy Signature Series.
IRA-Eligible Bullion Options
Retirement investors can choose from products approved for Self-Directed Precious Metals IRAs. The IRS requires these products to meet specific fineness standards: .995 for gold and .999 for silver.
Gold options for IRAs include Gold American Eagles (the only exception to the purity rule at .9167 fineness), Gold American Buffalos, Australian Kangaroos, Austrian Philharmonics, Canadian Maple Leafs, and Perth Mint gold bars. Silver choices include Silver American Eagles, Australian Kookaburras, Austrian Philharmonics, and Canadian Maple Leafs.
These precious metals work as alternative assets in retirement accounts and might protect against economic downturns. The company’s IRA Buyback Advantage program ensures customers never receive less than their initial investment when taking distributions.
Home Delivery vs. IRA Storage
US Money Reserve handles deliveries differently based on whether you’re buying for personal possession or retirement accounts. Personal purchases ship discreetly through UPS or USPS with tracking and insurance. Security measures require an adult signature for all deliveries.
IRA purchases follow strict IRS rules that ban home storage of IRA precious metals. A 2021 tax court case (McNulty v. Commissioner) confirmed that keeping IRA gold at home could trigger taxable distributions and penalties.
The company partners with approved custodians and depositories, recommending A-M Global Logistics (AMGL) for secure storage. Customers choose between segregated storage (individual holdings) or allocated storage (combined with other customer assets).
Investors eligible for distributions (usually at age 59½) can sell their metals or take “in-kind” distributions to receive their precious metals personally. This flexibility lets investors keep their precious metals even after taking required distributions from retirement accounts.
Understanding US Money Reserve Fees and Pricing
The price structure is a vital part of evaluating dealers like US Money Reserve. You need to understand these costs to make smart investment decisions.
Typical Annual Fees and Waivers
US Money Reserve charges an annual maintenance fee of $250 for precious metals IRA accounts. This covers storage, insurance, and admin costs that will give a secure way to maintain your precious metals.
The company offers great fee waivers that reduce your original investment costs by a lot. You can get your first-year fees waived under these conditions:
- Rolling over or transferring $25,000 minimum into a new precious metals IRA
- Opening a new IRA account with $6,000 minimum on select inventory
These waivers give serious investors a great incentive to start with a substantial precious metals position.
Transparency and Cost Breakdown
US Money Reserve’s website could be clearer about fee structures, but the company states there are no hidden fees. Your final price depends on two main things: your account size and the precious metals you choose.
The custodian charges a one-time setup fee along with the annual maintenance fee. The depository also charges for secure storage and insurance. The best way to get exact pricing is to talk directly with a US Money Reserve representative who can explain all the costs in detail.
Return Policy and Buyback Program
US Money Reserve backs its products with a detailed return policy. You get a 30-day money-back guarantee to return certified coins in their original sealed containers for a full refund if you’re not happy. The refund doesn’t include shipping, handling, and insurance charges.
After the first 30 days, returns work differently—you’ll get either the current market value or your original purchase price, whichever is lower, minus a 20% restocking fee.
The sort of thing i love about US Money Reserve is their buyback guarantee. They’ll buy back any precious metals they’ve sold you at competitive market prices. This gives you flexibility to rebalance your portfolio or exit the market. You won’t need to worry about finding someone to buy your precious metals investments.
Customer Experience: What Real Reviews Say
Customer feedback tells a more accurate story about US Money Reserve than company claims. Client testimonials paint a clear picture of the company’s strengths and where they could do better.
Positive Testimonials and Service Highlights
New investors love the educational approach from US Money Reserve’s team. Clients say they never felt pressured to buy. Instead, they got helpful guidance through their investment journey. The account executives get great reviews because they take time to explain products, portfolio strategies, and how economic factors affect precious metals markets.
Customers repeatedly praise three aspects of service:
- Expert guidance: “My rep walked me through the process step by step and answered all my questions. I felt confident making my first gold purchase”
- Product quality: Coins arrive in excellent condition, properly sealed with certificates of authenticity
- Reliable shipping: Packages come well-protected with discreet labels and arrive on time
Common Complaints and How They’re Handled
The overall feedback is positive, but some customers have concerns. Price transparency is the biggest issue, as some customers point out hefty markups over spot prices. Yes, it is clear that US Money Reserve could be more upfront about their pricing structure.
The company handles problems quickly. They resolved all but one of these 18 complaints through the Better Business Bureau within 24-48 hours. This quick response shows how much they value their customer relationships.
Support Channels and Responsiveness
Customers can reach US Money Reserve through several channels. Tests show their support team responds quickly no matter how you contact them.
The company goes beyond phone support with active profiles on Facebook, Instagram, and X (formerly Twitter). Teams on each platform are quick to help according to customer feedback. This approach shows they want to be easily accessible to everyone.
People who ask “is US Money Reserve legitimate” can feel more confident when they see this level of customer service, on top of their official credentials and ratings.
How to Invest with US Money Reserve: Step-by-Step
US Money Reserve makes investing simple with processes that match your financial goals. The company stands out from other precious metals dealers because they focus on education and customized support throughout your investment trip.
Opening a Precious Metals IRA
A well-laid-out three-step process helps you set up a Self-Directed Precious Metals IRA with US Money Reserve. Your dedicated Account Executive helps you complete paperwork and open a self-directed IRA with a qualified custodian that matches your financial objectives. The executive then works with your new custodian to fund your account. You can transfer existing retirement funds, roll over from another account, or make a new cash contribution. The final step lets you pick IRA-eligible precious metals and sends them safely to an IRS-approved depository.
US Money Reserve works with Equity Trust as their preferred custodian and A-M Global Logistics as their recommended depository to diversify retirement investments. This partnership keeps your metals secure while following IRS rules that don’t allow home storage of IRA precious metals.
Direct Purchase and Delivery Process
US Money Reserve gives you two ways to buy metals for personal possession. You can shop their online inventory of government-issued gold and silver bullion, pick products, add them to cart, and pay using credit card or bank wire. You can also call 1-866-646-8465 to access more inventory options and get personalized recommendations.
Orders ship within 24 hours after credit card payment processing. UPS or USPS tracks and fully insures all shipments. Each package ships discreetly and needs an adult signature upon delivery for extra security.
Working with a Dedicated Account Executive
US Money Reserve’s personalized service model sets them apart from competitors. Each customer gets a dedicated Account Executive who gives individual attention throughout the investment process. These representatives take time to discuss product options, portfolio strategies, and economic factors that affect precious metals markets.
These executives help first-time buyers understand premiums, purity levels, and product types to make informed decisions. They also provide educational materials and market analyzes to help you understand the mechanisms behind your investment choices.
Conclusion
Our detailed review takes a closer look at US Money Reserve and shows why more than 785,000 clients worldwide trust this company. Two former Directors of the United States Mint lead their team, giving them credibility that sets them apart from competitors. Their expertise combined with an A+ BBB rating and AAA Business Consumer Alliance rating shows their steadfast dedication to the industry’s highest standards.
The company’s broad product range meets every investor’s needs. You can choose from government-issued coins for personal possession or IRA-eligible bullion to broaden your retirement portfolio. Customer-friendly policies back these products with a 30-day return guarantee. Their ongoing buyback program will give a quick way out when you need your money back.
Premium pricing exists across all reputable precious metals dealers. US Money Reserve balances this with attractive fee waivers for qualified accounts. Their dedicated account executives are a great way to get guidance, especially for newcomers to the precious metals market.
US Money Reserve stands out as a solid choice to broaden your investment with physical precious metals. Gold and silver have protected wealth during economic uncertainty, though all investments have risks. The company’s product selection, customer service, and deep market knowledge can help you make smart choices that line up with your long-term financial goals.
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FAQs
Q1. Is US Money Reserve a trustworthy company for precious metals investments? Yes, US Money Reserve is a legitimate and reputable company for precious metals investments. They have an A+ rating from the Better Business Bureau, a AAA rating from the Business Consumer Alliance, and leadership that includes two former Directors of the United States Mint. Their track record of serving over 785,000 clients worldwide further attests to their credibility in the industry.
Q2. What types of precious metals products does US Money Reserve offer? US Money Reserve offers a wide range of precious metals products, including government-issued gold and silver coins, IRA-eligible bullion, and exclusive commemorative series. Their inventory includes popular options like Gold American Eagles, Silver American Eagles, and various international coins from reputable mints.
Q3. How does US Money Reserve’s pricing and fee structure work? US Money Reserve typically charges an annual maintenance fee of $250 for precious metals IRA accounts. However, they offer fee waivers for qualifying accounts, such as waiving the first-year fees for transfers or new accounts meeting certain thresholds. While their pricing structure could be more transparent, they emphasize having no hidden fees, and costs depend on account size and specific metals chosen.
Q4. What is US Money Reserve’s return policy? US Money Reserve offers a 30-day money-back guarantee on certified coins in their original sealed containers. Beyond this period, they still accept returns but under different terms. Additionally, they have a buyback guarantee program, ensuring they will repurchase any precious metals they’ve sold at competitive market prices, providing liquidity for investors.
Q5. How does the investment process work with US Money Reserve? Investing with US Money Reserve involves working with a dedicated Account Executive who guides you through the process. For IRAs, they assist with paperwork, account setup, funding, and selecting IRA-eligible metals. For direct purchases, you can buy online or over the phone. They prioritize education and personalized support throughout the investment journey, helping clients make informed decisions based on their financial goals.
