What is the U.S. Money Reserve?

The U.S. Money Reserve is a well-known name in the world of precious metals and rare coin investments. Established in 2001, it has grown to become one of the largest distributors of precious metals in the United States. In this comprehensive review, we will take a closer look at the U.S. Money Reserve, its history, products, services, and reputation to help you make an informed decision about whether or not to trust this company with your precious metal investments.

U.S. Money Reserve Company Background

The U.S. Money Reserve was founded by gold market veterans who saw a need for a trustworthy and reliable source of precious metals for investors and collectors alike. Over the years, the company has garnered a reputation for its commitment to customer service, quality products, and expert knowledge of the precious metals market.

Products and Services

  1. Precious Metals: The U.S. Money Reserve offers a wide range of precious metal products, including gold, silver, platinum, and palladium coins and bars. They source their metals from reputable mints around the world, such as the United States Mint and the Royal Canadian Mint.
  2. Rare Coins: In addition to bullion products, the U.S. Money Reserve specializes in rare and collectible coins. These coins often carry numismatic value in addition to their intrinsic metal value, making them appealing to collectors.
  3. Educational Resources: The U.S. Money Reserve offers a wealth of educational resources to help customers understand the intricacies of precious metal investing. Their website features articles, videos, and guides on topics ranging from market trends to coin grading.
  4. Expert Consultation: For those seeking personalized guidance, the U.S. Money Reserve has a team of knowledgeable experts who can assist with investment strategies and product selection.

Gold IRA Services

One of the notable services offered by the U.S. Money Reserve is the establishment and management of Gold Individual Retirement Accounts (IRAs). A Gold IRA is a self-directed retirement account that allows individuals to invest in physical precious metals, such as gold and silver, as a way to safeguard their retirement savings against economic volatility. Here’s an explanation along with some of the pros and cons of gold IRA services offered by the U.S. Money Reserve:

Expert Guidance: Setting up a Gold IRA can be a complex process, as it involves compliance with IRS regulations and choosing the right products to include in the account. The U.S. Money Reserve provides expert guidance to help clients navigate this process successfully. Their knowledgeable staff can explain the intricacies of a Gold IRA, answer questions, and help you make informed decisions about your retirement investments.

Product Selection: Once you’ve decided to open a Gold IRA, you’ll need to select the precious metals to include in your account. The U.S. Money Reserve offers a diverse range of IRS-approved gold and silver coins and bars for this purpose. They can assist you in choosing products that align with your retirement goals and risk tolerance.

Account Setup: More and more investors are trying to learn how to transfer an IRA to gold.  That is why the U.S. Money Reserve will help you initiate the process of setting up your Gold IRA account. This typically involves working with a trusted custodian who specializes in self-directed IRAs. The custodian will handle the administrative aspects of your account, such as record-keeping and reporting, to ensure compliance with IRS regulations.

Secure Storage: When investing in physical precious metals through a Gold IRA, it’s crucial to ensure secure storage. The U.S. Money Reserve can arrange for the safe storage of your precious metals in an IRS-approved depository. These depositories are equipped with state-of-the-art security measures to protect your investments.

Ongoing Support: Managing a Gold IRA requires ongoing attention to compliance and market conditions. The U.S. Money Reserve offers continued support and assistance to help you make informed decisions about your investments and navigate any changes in IRS regulations that may affect your account.

Buyback Guarantee: In the event that you wish to liquidate your precious metals within your Gold IRA, the U.S. Money Reserve typically offers a buyback guarantee for the products they sold you. This can provide peace of mind, knowing that you have a reliable option for selling your assets when needed.


The reputation of any financial company is crucial, especially when dealing with investments as significant as precious metals. The U.S. Money Reserve has generally received positive reviews from customers and has earned an A+ rating from the Better Business Bureau. Here are some key factors contributing to its reputation:

Trustworthiness: The U.S. Money Reserve is known for its transparency and adherence to industry standards. They provide detailed information about the products they offer, pricing, and buyback policies.

Customer Service: Customer reviews often highlight the company’s excellent customer service. Many customers have praised the knowledgeable and helpful staff who assist with inquiries and transactions.

Quality Assurance: The company takes pride in the quality of its products. Precious metals are sourced from reputable mints, and rare coins are graded by experts to ensure authenticity and condition.

Educational Resources: The U.S. Money Reserve’s commitment to educating customers is a positive aspect of its reputation. This helps customers make informed decisions about their investments.

Secure Transactions: The company takes security seriously, ensuring that customer transactions and personal information are protected through encryption and other security measures.

Pros of Choosing U.S. Money Reserve

  1. Reputation and Trustworthiness: The U.S. Money Reserve has built a strong reputation for its integrity, transparency, and adherence to industry standards. This trustworthiness is a significant advantage for investors looking to enter the precious metals market with confidence.
  2. Wide Range of Products: The company offers a diverse selection of precious metal products, including gold, silver, platinum, and palladium coins and bars, as well as rare and collectible coins. This extensive range allows investors to tailor their portfolios to their specific investment goals.
  3. IRA-Approved Products: For those interested in diversifying their retirement portfolios with physical metals, the U.S. Money Reserve provides IRA-approved precious metal products, making it convenient for investors to incorporate metals into their long-term financial plans.
  4. Educational Resources: The company’s commitment to education is a significant advantage. Their website features a wealth of educational materials, helping both novice and experienced investors make informed decisions about their investments.
  5. Expert Consultation: U.S. Money Reserve’s team of knowledgeable experts is available to provide personalized guidance and assistance with investment strategies and product selection. This level of expertise can be invaluable, especially for new investors.
  6. Customer Service: Many customer reviews highlight the company’s excellent customer service. The responsive and helpful staff ensure that customers have a positive experience throughout their investment journey.

Cons and Areas for Improvement

  1. Pricing Transparency: While the U.S. Money Reserve is generally transparent about the quality and sourcing of its products, some customers have expressed a desire for even greater pricing transparency, particularly when it comes to the premiums on coins and bars.
  2. Online Ordering: The company primarily conducts business through phone orders, which may not be as convenient for customers who prefer online transactions. Expanding their online ordering system could improve accessibility for a broader customer base.
  3. Storage Options: While the U.S. Money Reserve offers secure storage solutions for precious metals, some customers may wish for a more extensive range of storage options, including international storage facilities. Providing more choices in this regard could enhance the company’s appeal.
  4. Limited International Presence: U.S. Money Reserve primarily caters to the U.S. market. Expanding its international presence and offering shipping options to a wider range of countries could make its products and services more accessible to global investors.
  5. Market Education: While the company provides valuable educational resources, some customers may feel that additional information on market trends, economic indicators, and geopolitical factors impacting the precious metals market could further enhance their ability to make informed investment decisions.

Frequently Asked Questions

  1. Who owns U.S. Money Reserve?The U.S. Money Reserve is a privately-owned company, and its ownership details are not publicly disclosed on their website. However, it was founded by gold market veterans, and it has been led by Philip N. Diehl, a former Director of the United States Mint. Mr. Diehl has been a prominent figure in the precious metals industry and has contributed to the company’s strong reputation.
  2. Does U.S. Money Reserve sell real gold?Yes, the U.S. Money Reserve offers a wide range of real precious metals, including gold, silver, platinum, and palladium. They source their metals from reputable mints and suppliers, ensuring that customers receive authentic and high-quality products. It’s important to note that when you purchase gold or other precious metals from the U.S. Money Reserve, you are acquiring physical bullion or coins, not paper certificates or derivatives.
  3. What is the return policy for U.S. Money Reserve?The U.S. Money Reserve has a return policy in place to address customer concerns. If you are not satisfied with your purchase, you may contact their customer service department to discuss the return process. It’s essential to review the specific terms and conditions of their return policy before making a purchase, as policies may vary based on the product and individual circumstances.

    Additionally, since precious metals are commodities with fluctuating market values, it’s crucial to understand that the resale or return value of your purchased metals may be influenced by market conditions at the time of the return. Therefore, it’s advisable to consult with U.S. Money Reserve representatives for guidance and clarification on their return policy and how it may apply to your specific situation.

    It’s worth noting that any return policy provided by the U.S. Money Reserve is designed to ensure customer satisfaction and address any potential issues with the products or services they offer. As with any financial transaction, carefully reviewing the terms and conditions and seeking clarification on any concerns is a prudent step before making a purchase.


In the world of precious metal investments, the U.S. Money Reserve has established itself as a reputable and trustworthy company. With a wide range of high-quality products, expert guidance, and a commitment to customer service and education, it has earned its place as a leading distributor of precious metals in the United States. While no investment is without risks, the U.S. Money Reserve can be a valuable partner for those looking to diversify their portfolios with precious metals and rare coins. As with any investment decision, it’s essential to do your own research and consult with financial professionals before making significant financial commitments.