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About the U.S. Money Reserve Team
Brad Chastain Director of Education U.S. Money Reserve

Brad Chastain

Director of Education

Brad Chastain is Director of Education at U.S. Money Reserve, one of the largest private distributors of government-issued precious metals. Brad joined U.S. Money Reserve in 2022 after 18 years with Vanguard, one of the largest investment firms in the world. There, Brad specialized in delivering financial education to clients, first as a retirement counselor and then as a manager of retirement education. With an extensive background as a financial educator on topics ranging from portfolio construction and health savings accounts to 401(k)s, IRAs, Social Security, and Medicare, Brad is dedicated to helping clients reach their financial goals and build a more secure future with precious metals
What Is a Spousal IRA? Rules and Income Limits

What Is a Spousal IRA? Rules and Income Limits

An individual retirement account (IRA) is a financial tool used by millions of people to save money for the years after they are done working. But what if you don’t work outside the home? What if you’re a spouse who decided to focus on taking care of your home and...

What Is Efficient Frontier and How to Use It

What Is Efficient Frontier and How to Use It

Efficient frontier is a financial strategy that’s all about gauging return versus risk. It’s a concept that is used by financial advisors to inform which assets or asset classes should be included in a portfolio. The goal of efficient frontier is to maximize returns...

Why a Home Storage Gold IRA May Not Be a Good Idea

Why a Home Storage Gold IRA May Not Be a Good Idea

Back in the 2010s, a Rhode Island couple made a smart move when they purchased gold to include in their IRA. However, they overlooked one important guideline regarding storage of precious metals. They kept their IRA gold in home storage instead of at an IRS-approved...

The Strongest Post-Election Stock Markets in History

The Strongest Post-Election Stock Markets in History

The U.S. political landscape has become more polarized than ever before. In fact, a study of developed democracies around the world found that the political polarization trend in the U.S. is more dramatic than in any other country in the study. In the months prior to...

When and How to Rebalance Your Portfolio

When and How to Rebalance Your Portfolio

Some financial changes are expected and even planned for, like getting married or sending kids to college. But numerous outside forces can also unexpectedly impact a person’s financial situation. That’s why periodically rebalancing your portfolio is often recommended...

What Is Portfolio Diversification?

What Is Portfolio Diversification?

Portfolio diversification is a personal financial strategy based on the idea that diverse holdings help bring balance and stability to a portfolio. Think of a diversified portfolio like a store that sells both sunglasses and umbrellas. On sunny days, it sells...

What Is Asset Allocation? How It Works & Who Needs It

What Is Asset Allocation? How It Works & Who Needs It

Asset allocation is an essential component of portfolio diversification that helps mitigate risk and protect wealth. But what all does asset allocation involve? Is it something an individual can manage on their own, or is a financial planner needed? If you already...

What Is Wealth Management, and Do You Need It?

What Is Wealth Management, and Do You Need It?

You’ve worked hard to build your net worth. Wealth management helps you get the most out of your efforts. What is wealth management? While wealth protection is meant to safeguard assets, wealth management is defined as the process of reviewing and making decisions...

There May Be a Liquidity Crisis on the Horizon

There May Be a Liquidity Crisis on the Horizon

One of the topics I’ve tried to bring to our clients’ attention is the state of liquidity in our monetary system. Simply put, financial institutions like to use U.S. Treasurys as collateral when loaning money to one another, and when the availability of certain...