What Makes Mountain West IRA Different

Mountain West IRA has specialized in self-directed retirement account administration and recordkeeping since 2006. We support a wide range of allowable alternative assets, including real estate, promissory notes, private entities, precious metals, and more.

Our experienced team provides personalized service and educational resources to help clients better understand self-directed IRAs, account requirements, and transaction processes.

As a passive administrator, Mountain West IRA processes transactions at your direction. You choose the assets held within your account, and we provide the administrative and recordkeeping services needed to support your self-directed retirement account.

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About Mountain West IRA

Founded in April 2006 by CEO Jon A. Galane, Mountain West IRA specializes in self-directed retirement account administration and recordkeeping for individuals and small business owners nationwide.

Based in Idaho, we help clients establish and administer self-directed retirement accounts that can hold a wide range of allowable alternative assets, including real estate, promissory notes, private entities, precious metals, and more.

Our focus is on providing personalized service, knowledgeable administrative support, and educational resources to help clients better understand their accounts and the self-directed IRA process.
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Contact Our Team
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How It Works

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Schedule A Consultation

Schedule a free consultation with Mountain West IRA to discuss personalized retirement account solutions and allowable investments that align with your financial objectives.

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customize a plan

Customize your ideal retirement plan with Mountain West IRA, leveraging their expertise to design a tailored investment strategy aligned with your unique financial aspirations.

Mountain West IRA - Wealth
build retirement wealth

Secure a prosperous future by building enduring retirement wealth through the diverse allowable investments available within a self-directed IRA.

How Self-Directed IRAs Work: 7-Step Guide

How Self-Directed IRAs Work:
The Complete 7-Step Process

01

Choose a Self-Directed IRA Administrator

Select an administrator that supports the types of assets you want your retirement account to hold. Consider administrative services, fees, educational resources, and account support.

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02

Select Your Account Type

Choose the retirement account that fits your circumstances. Traditional, Roth, SEP, and SIMPLE IRAs, along with Individual 401(k) plans and HSAs, may offer self-directed options. Each account type has its own eligibility requirements, contribution limits, and tax rules.

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03

Complete Your Application

Complete the appropriate Starter Kit and provide the required identification, account information, and supporting documentation to establish your account.

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04

Fund Your Account

Depending on your account type and eligibility, you may fund your account through an IRA transfer, an eligible rollover from another retirement plan, or a contribution. Applicable limits and requirements vary by funding method.

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05

Choose Your Asset

Select the allowable asset you would like your self-directed IRA to hold. Options may include real estate, promissory notes, private entities, precious metals, digital assets, and more. All assets and transactions must comply with applicable requirements.

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06

Complete Your Asset Purchase

Submit the appropriate Direction of Investment form and supporting transaction documents to Mountain West IRA. Once all required documentation and sufficient funds are received, we process the transaction according to your instructions.

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07

Manage Your IRA-Owned Assets

Income generated by IRA-owned assets, including rent, interest, and sale proceeds, must be returned directly to the IRA. Applicable asset expenses must also be paid from the IRA. Annual fair market valuations and other reporting requirements may apply depending on the asset.

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Why People Choose Us

MWIRA has been very helpful with IRA assets; real estate, loans and cash. They are extremely responsive and knowledgeable when questions arise regarding regulation, administration and dispensation of assets. Their fees are reasonable. The fee structure is important and should be carefully reviewed and understood.
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Pike Teinert

August 1, 2017

The whole staff is very knowledgeable and helpful. Bianca, Raegan and Diana were able to get me started and then, walked me through all the steps needed. My investments are thriving due to their expertise.
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Ron Crooks

July 4, 2020

Navigating one's way through the intricacies of properly setting up a self-directed IRA can be challenging. In my experience, Mountain West was extremely helpful and supportive through the process and during my first couple of years of investing this way.
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Jon Rand

April 5, 2017

Diana Hoff is the best a customer service. So far she is batting 4 for 4 on my referrals to this fantastic business! It doesn't matter if they have questions, or need follow up, or direction an what to do next, Diana has been there for the people I have referred. Cant say enough good things about the services and support at Mountain West IRA!
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Shannon Robnett

February 16, 2023

I am very impressed with the service I get from Mountain West Entrust. Recently I needed to complete a transaction that required paperwork that I did not understand how to fill out. I was given help, above and beyond the call of duty! I called many times to clarify, and each time I was treated in a respectful and friendly manner. They have always done an excellent in the many years I have done business with them!
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Aletha Sicurello

May 4, 2017

MWIRA has been so helpful. This was my first time setting up an IRA and they walked me through each step. If you are in uncharted waters, you have found the right island to rest your IRA on.
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Troy Bramblet

April 23, 2017

Free Self-Directed IRA eBook

Self-Directed IRAs Made Simple

Learn how self-directed IRAs work and explore the alternative assets they can hold, including real estate, promissory notes, precious metals, and more. Get started with our free educational eBook.

3,400+

Clients served nationwide

$1 Billion+

In retirement assets
administered
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Free Retirement Planning eBook

Self-Directed IRAs Made Easy

Are you wanting to retire early? Get the chance to invest in a variety of alternative investments like real estate, precious metals and more through a self-directed IRA. Start building your wealth by investing in a much broader array of assets.
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Frequently Asked Questions

How Do I Open a Roth Self-Directed IRA?

We have step-by-step directions HERE.
You may also view our Process Diagram HERE.
If you have any questions, please contact our office HERE.

Pay taxes now on the seed and your investments grow tax-free in a self-directed Roth IRA

One of the best ways to save for retirement is with a Mountain West self-directed Roth individual retirement account. Why? Because the growth and income on your investments are free from federal income tax as long as certain conditions are met.

If your current Roth IRA doesn’t allow for self-direction, you may transfer the funds to a Mountain West self-directed Roth IRA so that you may choose alternative investments you know best.

Currently, you may jump start a tax-free IRA by converting your traditional IRA to a self-directed Roth IRA. While this is a taxable event, your investments will grow tax free. There is no longer any income limitation to convert a traditional IRA into a Roth IRA.

Other advantages of a Roth IRA are contributions may be made as long as you earn income even after you are 70½ years old and there are no required distributions at any time. In most cases, a Roth IRA Holder may withdraw the principal amounts invested without any tax liability.

How to determine if a Mountain West IRA Self-Directed Roth IRA is right for you

Do you want tax-free earnings and no taxation on withdrawals?

Are you already saving for retirement with an employer sponsored plan?

Do you want to invest a retirement plan but may need to access your savings?

Do you expect your tax rate during retirement to be higher than your current tax rate?

Do you want to control what types of investments you put in your IRA?

Are you eligible to contribute to a Roth IRA?

Is Mountain West IRA a Financial Advisor?

No. Mountain West IRA is a passive self-directed IRA administrator that provides administrative and recordkeeping services. We process transactions at the direction of the account owner, prepare account statements, and complete required IRS reporting.

Mountain West IRA does not provide financial, tax, or legal advice and does not sell, select, recommend, endorse, or evaluate assets. Account owners are responsible for choosing their assets and conducting their own due diligence.

For guidance specific to your circumstances, consult a qualified financial, tax, or legal professional.

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Your Retirement Account. Your Choices.

Explore the flexibility of a self-directed IRA and the alternative assets it can hold, including real estate, promissory notes, precious metals, and more. Our team is here to help you understand your account options and the steps to get started.

Contact Our Team
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