When it comes to securing your retirement savings against economic uncertainty, few assets perform as reliably as precious metals. Whether you’re seeking protection from inflation or simply want to diversify your financial portfolio, physical gold and silver have proven themselves time and again.
But success in precious metals investments depends heavily on choosing a reputable company. In today’s saturated market, the right partner can make all the difference between a strong, protected portfolio and a costly mistake.
Today, we’re taking a detailed look at US Money Reserve, a company that specializes in helping investors buy government-issued gold coins, build a precious metals IRA, and gain peace of mind through tangible assets.
US Money Reserve: A Brief Overview
Founded in 2001, US Money Reserve has grown into one of the most recognized names in the precious metals market, serving over 785,000 clients globally. Their dedication to customer service and secure precious metals investments has earned them an A+ rating from the Better Business Bureau—a rare achievement in the industry.
With endorsements from public figures like Chuck Woolery, US Money Reserve combines strong branding with a solid track record of helping everyday investors protect their wealth through gold, silver, and platinum coins.
#1.
Best Gold IRA Company Overall
- Gold and silver bullion, IRA-approved coins, and pre-packaged gold coins
- Lifetime account support to ensure help is always available
- Dedicated experts with comprehensive knowledge of your account
The Pros
Real-time price charts on the website display the latest precious metals prices
Strong focus on educating customers about precious metal investing
Augusta Precious Metals handles all paperwork, simplifying the IRA setup process
The website offers market news and expert insights into the gold industry
The Cons
Requires a minimum investment of $50,000
Only one depository option available for gold IRA investors outside the U.S.
#2.
Best Gold IRA for New Investors
- Receive up to 10% in free silver on qualifying precious metal purchases
- No minimum investment needed to get started
- Industry-leading Buyback Guarantee at top market prices
The Pros
No minimum investment required, making it easy to get started
Earn up to 10% in free silver on eligible purchases
Goldco offers one of the most competitive buyback guarantees in the industry
Exceptional customer support that is both attentive and professional
The Cons
Pricing details are not publicly listed on the website — contact Goldco directly for information about their fees.
#3.
Best Gold IRA Company Overall
- Get up to $15,000 in free silver with eligible accounts
- Price match guarantee to secure the lowest precious metal prices
- No account maintenance fees for up to three years
The Pros
Start a precious metals IRA with a minimum investment of just $10,000
Receive up to $15,000 in free silver on eligible purchases
Hassle-free buyback process with no additional costs
Widely recognized for outstanding customer service and support
The Cons
Precious metals prices are not displayed on their website.
#4.
Best Gold IRA for Transparent Fee Structure
- Minimum investment of just $10,000 to get started
- Transparent, budget-friendly fee structure available on their website
- First-year fees waived for accounts exceeding $50,000
The Pros
Low minimum investment of just $10,000
Website offers real-time gold price updates
Convenient buyback services for future gold sales
A range of educational resources available to support investors
The Cons
To invest with Birch, you must contact their customer support team, as direct online investing is not available through the website.
#5.
Best Gold IRA for Educational Resources
- Educational resources to help investors make informed decisions
- Guaranteed buyback program for convenient selling
- "Royal Survival Packs" designed for quick access to emergency funds
The Pros
The website offers extensive educational resources for both beginners and experienced investors
Buyback program allows for easy and secure resale of precious metals
Receive expert guidance and professional support from Noble Gold specialists
Precious metals are stored in facilities with top-tier security standards
The Cons
Only available in the US and Canada
The Best Gold IRA Companies in 2025
Before I get started with this review, I want to inform you that I have reviewed dozens of precious metal IRA companies over two decades, and I have curated a list of the top 5 gold IRA companies in 2025. I highly recommend reading this article before proceeding with an IRA transfer.
The #1 Best Gold IRA is Augusta Precious Metals, with its A+ rating from Better Business Bureau, hundreds of 5-star reviews, and lifetime account support. Read my review on Augusta Precious Metals, or visit the official Augusta website to learn more.
What Makes US Money Reserve Stand Out
While many precious metals dealers focus on selling products, US Money Reserve sets itself apart by offering comprehensive solutions for both new and experienced investors.
Fully-Featured Precious Metals IRA
US Money Reserve makes setting up a precious metals IRA straightforward, secure, and IRS-compliant. Standout features include:
Up to $18,500 in bonus silver for qualifying accounts.
Waived first-year fees for new accounts over $6,000 or rollovers above $25,000.
A smooth rollover process with personalized service from a dedicated Account Executive.
Access to certified coins backed by the U.S. government.
This combination makes it easy for investors to transition retirement savings from traditional assets into tangible assets like physical gold and silver bars.
Flexible Purchasing Options
Beyond IRAs, US Money Reserve operates a full-service online store for those who prefer home delivery of their precious metals purchases. Their catalog includes:
Gold American Buffalo and Gold American Eagle coins
Silver American Eagle coins
Pearl Harbor commemorative coins
Various sizes of gold bars and silver bars, from 1 oz to 1 kilo
Purchases are shipped via insured shipping with full package tracking, providing customers peace of mind.
Secure Storage with A-M Global Logistics
For investors who prefer not to store physical precious metals at home, US Money Reserve partners with A-M Global Logistics. With nearly 50 years in the security business, AMGL ensures your precious metals investments are stored safely and fully insured.
Reliable Buyback Program
One major advantage of working with US Money Reserve is their guaranteed buyback program. Investors can sell their metals back to the company without complicated processes, a critical option for those looking to maintain liquidity.
Strong Educational Resources
Understanding the intricacies of precious metals investments is crucial. US Money Reserve’s website provides a range of educational resources, including:
Free Gold Information Kits
Personalized diversification quizzes
Easy-to-follow video tutorials
Regularly updated market news articles
These tools help many investors make more informed decisions when building their portfolios.
How to Invest with US Money Reserve
There are two primary paths for customers looking to start their journey with US Money Reserve.
Home Delivery of Precious Metals
Visit the US Money Reserve online store.
Select your preferred gold coins, silver bars, or other items.
Click “Add to Cart” and “Begin Checkout”.
Enter shipping and payment information.
Receive your order in 5–10 business days, securely packaged and insured.
Setting Up a Precious Metals IRA
Connect with a dedicated Account Executive.
Roll over your existing 401(k), IRA, or other retirement accounts.
Choose IRA-eligible coins and metals.
Store your investments securely with A-M Global Logistics.
Whether purchasing directly or creating a precious metals IRA, the entire process is designed for convenience, security, and transparency.
US Money Reserve Fees
US Money Reserve charges typical industry-standard fees, although full details are not always prominently displayed online:
Fee Type | Amount |
|---|---|
Setup Fee | Varies |
Annual Storage & Maintenance | ~$250 |
First-year fees may be waived for investors opening a new IRA with at least $6,000 or rolling over $25,000 or more.
US Money Reserve Rating on Consumer Sites
Platform | Rating | Number of Reviews | Complaints in Past 12 Months |
|---|---|---|---|
Better Business Bureau (BBB) | A+ | 56 | 0 |
3.3/5 | 63 | 8 | |
TrustPilot | 3.6/5 | 1 | 0 |
Consumer Affairs | 2.5/5 | 2 | 1 |
Overall, positive reviews outweigh isolated complaints, demonstrating a good company reputation in the precious metals industry.
Pros & Cons
The Pros
- Over 20 years in the business with many investors satisfied.
- Excellent support for precious metals IRAs and direct purchases.
- Access to government-issued gold and certified coins.
- Professional storage through A-M Global Logistics.
- Clear commitment to customer service and transparent pricing.
The Cons
- Limited online fee transparency.
- No offerings for platinum or palladium coins.
The Verdict
In this us money reserve review, it’s clear that US Money Reserve is a legitimate company offering good value for investors seeking to purchase gold, silver, and build long-term wealth through precious metals investments.
Their strong BBB rating, positive customer reviews, professional customer support team, and reliable secure storagepartnerships make them a safe bet for diversifying your retirement savings.
However, as always, I recommend speaking to a qualified financial advisor to ensure your investment strategy aligns with your broader financial goals.
US Money Reserve Frequently Asked Questions – FAQ
Yes, US Money Reserve is a reputable company with a strong track record in the precious metals market.
Precious metals purchases are not automatically reported unless they exceed certain IRS thresholds. US Money Reserve follows legal compliance standards.
Yes, but minimums vary by product. IRA accounts typically require a $6,000 minimum investment for new customers to qualify for bonuses.
US Money Reserve offers personalized service, insured shipping, and access to certified precious metals, making it a solid choice for both new and seasoned investors.