Universal Coin And Bullion Review

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Planning for your future can be an intimidating thought, especially if you don’t know much about the stock market. Whether you’re a novice investor or you’ve been tackling it for years, it always helps to diversify your investment portfolio so you can maximize its value.

Universal Coin and Bullion want to help you on your journey to investing in precious metals that will gain you the financial security you’ve always wanted. Precious metals supply a very stable source of money even in a volatile economy like the one we’re experiencing today.

This company has been selling precious metals and rare coins since 1991. This shows that they have a lot of experience in the industry and will be able to lead you down the right path. Although they are specialists within the precious metals industry, they also highly value their customers.

Universal Coin and Bullion also specializes in opening precious metals IRAs for their clients and partners. This is the economic stability I was talking about earlier. Investing in precious metals is a very sustainable way of planning for your future. 

Planning for your future includes thinking about retirement.

It is never too early for you to start planning for retirement. The economy can be quite volatile at certain points in your life, and you don’t have to have to worry about your finances every time there’s a recession.

Thankfully, Universal Coin and Bullion also have very popular IRA-eligible coins that are specifically for those investors who are saving for their retirement. You are able to diversify your portfolio with both gold and silver options to make sure your investments align with your personal goals.

This company does not offer palladium or platinum products. Although this is true, they do offer a variety of gold and silver coins for purchase by any consumer looking to start making smart investments.

They understand that not everyone is an expert on the stock market and how it works. Additionally, even fewer people know about the precious metals industry and how beneficial it could be to investors. Because of this, they provide various forms of education resources for their customers.

On their website, they have an entire section titled “News & Articles” where they share information to customers about the precious metals industry. Given this is a website, the information they share here is also open to the general public which shows that they really want people to be informed about this industry.

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The Experience and Credentials of the Founder

Universal Coin And Bullion Review

Universal Coin and Bullion was originally founded by Michael Fuljenz. He is very well known for his expertise in the precious metals industry as well as for his immense coin knowledge. Alone, his overall experience exceeds 40 years.

Fuljenz is the recipient of many regional and even national awards for his ability to educate the public. He has also taken part in various projects focused on protection work with precious metals and rare coins. His awards don’t stop there.

He received the Sol Kaplan Award from the Professional Numismatists Guild in 2016. They honored him with this award because of his efforts to combat any and all crimes related to the numismatic issues occurring in the United States.

This included him helping victims recover large sums of money that was stolen from them. Tens of thousands of dollars were accidentally sent to untrustworthy dealers who were selling counterfeit money. This money was in the form of gold and silver coins.

He was also honored with the Glenn Smedley Award and Medal of Merit from the American Numismatic Association. His qualifying actions for this award were very similar in nature to the ones above. He has been focused on combatting scammers in the precious metals industry for almost as long as he’s been in the business.

I believe these issues are important to him given the fact that there are many scammers arising within the precious metals industry. Many people are trying to make smart decisions about their investments. That is even harder to do when there are unscrupulous dealers out there who just want to take your money.

He is known as America’s Gold Expert for good reason given the fact that he’s won over fifty different regional and national awards. He has written various books, newsletters, and made media appearances to spread the word about the precious metals industry.

His works about rare silver and golds coins have been recognized by the Numismatic Literary Guild and the Press Club of Southeast Texas. They have also won him Best of the Year awards.

Fuljenz is a very respected member of his community in Beaumont, Texas due to his expert guest appearances on local and national programs focused on personal finance education. These even include the Wall Street Journal!

He has led Universal Coin and Bullion to be the Official Bullion and Rare Coin Expert of NRA Publications. They have received an A+ rating from the Better Business Bureau as an extremely accredited business.

The educational information he provides on his website about precious metal protection is completely free. These resources are for the general public to use when they are starting their investment journey. You can also purchase his award-winning UCB Gold Guide online for even more insight on how to add gold to your IRA.

The Products They Offer

Universal Coin And Bullion Review

This company provides numerous kinds of gold and silver bullion for their customers to purchase. As I stated early, some of these options are available to be bought and placed in your very own Precious Metals IRA.

Creating a Precious Metals IRA is a great way to start saving up for your retirement. If you’re extremely young, you may think it’s too early to start planning, but there is truly no such thing as too early to start saving for your future. If you think about it, the future is tomorrow!

Universal Coins and Bullion heavily promotes and recommends its customers to buy the American Eagle gold and silver coins. These coins are a great investment for your future given their metal content and quality.

They recommend that these be recurring purchases that you add to your investment portfolio every year. The price of these coins will continue to go up as they grow in popularity across the globe so you might not want to wait too long to get your hands on some.

These coins and bullion offered by UCB give investors a cost-effective way to continues add gold and silver assets to their portfolios. The physical nature of this currency really draws people in during times of economic crisis because they don’t have to put all of their faith in just a number value they see on a computer screen. They can actually touch their wealth!

Although this option is very desirable, Universal Coins and Bullions has other options for their customers. These include the American Silver Eagle, the Australian Gold Kangaroo, the Gold American Buffalo, and bars.

The History of Gold Coins

Universal Coin And Bullion Review

On their website, Universal Coins and Bullion talk about the importance of gold throughout history. Gold has been around for an extremely long time, and it has added and taken away in some instances from the international monetary system.

Back as early as 550 BC, King Croesus of Lydia struck gold for the first time. Even before he had such luck, the Egyptians used gold in their jewelry which dated as far back as 5000 BCE.

In the civilization of Sumer, both men and women expressed their love for gold by wearing it on themselves almost all the time. This occurred around the year 3000 BCE. Gold chains were only first introduced in the city of Ur around 2500 BCE.

During these times, gold was more so used as a means of monetary policy between nations rather than a way for you to save up for retirement. In the 1930s, gold was no longer being minted as a form of currency for circulation.

Soon afterward, the old gold standard of the world was tossed out and replaced by the fiat currency system after the year 1976. From this point on, the pure rarity of gold was what gave it the true historical value that people began to slowly adore.

Other extremely attractive qualities of gold include its ability to be easily smelted, fabricated, handled, and minted. Gold is corrosion resistant and maintains such a distinctive yellow color that you couldn’t mistake it for any other precious metal.
Only 40% of the new gold minted is used for bar and coin production. Now back to the American Eagle coins. The American Gold Eagle is quite the catch.

These gold bullion coins are extremely liquid and versatile. They are only minted from the gold that is discovered in American gold mines. This means the purity, weight, and content of each piece is guaranteed by the United States government.

Although American Eagle Gold Bullion Coins are congressionally authorized, certified gold coins can provide just as much value to your growing investment portfolio. This includes Certified Mint State American Gold Eagles.

The Benefits of NGC or PCGS Certified Coins

The benefits of NGC or PCGS certified coins are truly endless.

  • These certified coins allow you to easily get insurance protection.
  • The gold offered by Universal Coins and Bullions is priced very competitively when considering all major competitors in the precious metals industry.
  • You are able to get potential discounts on quality pricing as well.
  • Certified coins have a unique bar code and coin ID numbers that will give you extra security when making this purchase.
  • The content, weight, and purity of this gold is guaranteed by the United States Government.
  • PCGS and NGC are two gold coin certification services that are leading the precious metals industry right now, so their authentication has a great reputation.
  • Sometimes, an uncertified gold coin isn’t worth quite as much as a certified coin.
  • Certified gold coins can also be more liquid than uncertified coins.
  • The condition grades of the gold coin will also be preserved due to the use of sonically sealed holders.

The Importance of Silver Coins

Universal Coin And Bullion Review

It's very important for you to make the best decision when choosing which precious metal you want to purchase. Although silver is currently a small market, this could be an extremely smart choice for your future financial independence.

Silver is a precious metal that most investors and collectors can get on board with because it is so affordable compared to other precious metals on the market. As it is with gold, you are not subjected to buying only one type of silver. The different types of silver include silver bullion coins, silver bullion bars, and silver bullion rounds.

Although they have a different name, the silver bullion rounds and bars are basically the same product that will give you the same value. The only major difference is their shape given they are both minted from virtually pure silver.

There is a fairly noticeable difference between silver bullion coins and bars though. The bullion coins are minted by the United States government, but they also have a certain level of collectible value.

On the other hand, the silver bullion rounds and bars are only really as valuable as the bullion value they are set at. The silver bullion coins such as the American Silver Eagles can exceed their silver bullion value to provide more financial security to their owner.

Silver is much cheaper than gold so this can be a great first investment choice for people who are just dipping their toes into the world of precious metals. If you have the funds to start out big by purchasing a lot of gold, that’s great! If this isn’t you, there is no need to be discouraged with all this silver left to buy.

Where do you want your personal assets to be in the near future? How large do you want your investment portfolio to be when you are finally ready to step into retirement? These are questions you need to ask yourself while you are thinking about starting your investment journey. If you have big money goals, silver can take you there in a stable and sustainable way.

Just like gold, the content, purity, and weight of each American Silver Eagle coin is guaranteed by the United States Government. This will provide you some peace of mind and confidence that you are making smart financial decisions for yourself.

Inflation may be on the rise right now, so this could be the best time to invest in silver. Silver continuously has a strong purchasing power without the monetary risks you may see when you don’t invest in physical currency. In addition, the negative correlation silver has with stocks could protect you from any unforeseen downturn in the economy.

If inflation does occur soon, then the value of paper money is going to continue to decrease. You may not want to place your trust in the ever-changing stock market. The cost-effective, physical aspect of silver is what draws people to it, and rightfully so!

When it comes to legal tender silver bullion coins, the American Silver Eagle series is one of the most popular to ever be minted in the United States. As these continue to increase in popularity, people will start to buy them even more as the financial stability they provide is basically unmatched.

Universal Coins and Bullions understands the value of silver coins especially that of the American Silver Eagle. They want to help their customers invest in a currency that will stand the test of time and provide them financial support when they need it most.

Listen to the Public

Universal Coin And Bullion Review

Although Universal Coin and Bullion received an A+ rating from the Better Business Bureau, they don’t always receive the best customer reviews. Sometimes, this company has shipping issues that leave their customers unsatisfied.

For example, one customer purchased silver and paid for it. The payment went through, and the correct amount of money was deducted from their bank account, so all seemed well at first. Then, weeks went by, and they still hadn’t received their order. They also tried calling Universal Coins and Bullions, but no one answered the phone or returned their calls.

I understand that they are probably extremely busy given they are a successful business, but no call back doesn’t seem very promising to me.

Additionally, the Business Consumer Alliance gave them a C rating. They produce this rating for businesses based on multiple factors including the following: length of time in business, complaint history, type of business, background information, government actions, licensing information, and advertising review.

Each of these categories plays a different role in the final official rating decision made by BCA. The definition of a C rating means that the business received an acceptable rating, but nothing special. They met all the basic requirements they needed in order to be seen as a legitimate business.

There was no strong evidence that led them to believe consumers should not do business with Universal Coins and Bullions. This doesn’t sound like an extremely promising review, but it still is just one company’s opinion.

You must still take into account that the Better Business Bureau gave them an A+ rating and they’ve also received many positive reviews from customers. They have a very loyal following that loves to do business with them.

Pros and Cons


  • They try to continuously provide great customer service.
  • Overall, their service is fairly high-quality.
  • Customers can feel confident that they are always talking to a specialist who knows a lot about the precious metals industry.
  • They have different types of educational resources for both the average and expert investors such as books and newsletters on gold and silver.


  • They are not upfront about specific IRA custodian provides the custodial services.
  • They have a decent amount of customer complaints.
  • They don’t off any form of vault storage for their customers. If they do, it is not well advertised.

Is Universal Coin and Bullion a Scam?

Universal Coin And Bullion Review

The answer to this question is no! Although there have been some bumps in the road, this company and its founder continue to try to put customer service first. Mike Fuljentz has collected quite the loyal fanbase of his own simply due to his willingness to publicly combat scammers.

When you are looking to purchase precious metals or rare coins, you may want to consider investing with Universal Coins and Bullions. They are the type of company that can provide assistance to both the beginner and the expert investor.

Your investment portfolio is something that can continue to grow and flourish as long as you do. There is no need to feel like you have to put a cap on your investments once you have a certain number of stocks and bonds.

Individual investments like stocks and bonds are extremely risky given they can crash without any notice. Just think, if you’ve invested all of your hard-earned money into one individual stock and it crashes, what are you going to do now? How are you going to retire comfortably?

These are all questions you should be asking yourself when you want to start thinking seriously about your retirement plan and the personal investment goals you have for yourself.

Universal Coins and Bullion has a very large selection of both precious metals and rare coins to choose from. This is nice because you don’t have to feel like your portfolio will look like everyone else’s.

When you’re investing, you should buy precious metals that reflect your personal goals and where you want your finances to be in the future. There are different benefits that come with the rare coins when you chose either gold, silver, or both!

These specialists are very knowledgeable about the industry and want to educate you on all of your options when you first get started.

Although we do think that Universal Coin & Bullion is a solid company, we believe that there are better companies out there to make your investment with.

You can get a free gold investment kit from our #1 recommended precious metals investment company above, or you can checkout our top 5 recommended companies below...

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