Retirement Accounts

Mountain West IRA's Retirement Accounts cater to diverse retirement needs, providing a range of account options and investment choices to help individuals achieve their financial objectives and secure a rewarding retirement.

Related Articles & Resources

Qualified Charitable Distributions (QCDs) in 2026: A Guide for IRA Owners

Learn how Qualified Charitable Distributions (QCDs) work in 2026, including the $111,000 annual limit, age requirements, eligible charities, deadlines, and QCDs from a self-directed IRA.

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5 Retirement Planning Mistakes To Avoid

Navigating the retirement planning waters can be tricky, especially with advice coming from all directions.

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Understanding the New Changes to Required Minimum Distributions for Designated Roth Retirement Accounts

In the realm of retirement planning, a significant shift is underway: starting in 2024, Required Minimum Distributions (RMDs) will no longer apply to designated Roth accounts in employer-sponsored plans. RMDs, mandatory withdrawals from retirement accounts like IRAs and 401(k)s upon reaching a certain age, were meant to ensure timely use of savings in retirement. This change, increasing the age threshold to 73 for those affected after December 31, 2022, marks a pivotal regulatory update offering retirees enhanced financial autonomy. Learn more about this transformative development and its implications for retirement planning.

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Self Directed IRAs and Real Estate Investments

Although the options are nearly unlimited when investing in real estate with a self directed IRA, it is extremely important to understand and follow the IRS guidelines to avoid hefty penalties for violations.

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What is a SIMPLE IRA and Who Is It For?

Discover the advantages of a SIMPLE IRA (Savings Incentive Match Plan for Employees Individual Retirement Account), a retirement savings plan tailored for small businesses and self-employed individuals. This blog post delves into how a SIMPLE IRA offers an easy and cost-effective solution for both employers and employees to contribute to individual retirement accounts. Learn about its benefits, contribution limits, and how it simplifies the process of securing a financially stable future for your team and yourself.

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How to Correct a Missed RMD

Required Minimum Distributions (RMDs) are pivotal in retirement planning, ensuring individuals withdraw a minimum annually from their accounts, starting at age 73. However, missing an RMD can lead to penalties. If overlooked, individuals must promptly withdraw the missed amount to avoid a 25% excess accumulation penalty tax from the IRS. Correcting this error swiftly can reduce the penalty to 10%, a welcome change from the previous 50% penalty prior to 2023. Understanding these rules is crucial for maintaining compliance and maximizing retirement savings.

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Financial Secrets From Expert Savers

There seems to always be those people who are great at saving.

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What Is a Qualified Charitable Distribution The 2026 Rules in Plain English

The concept behind the most talked-about giving rule of 2026, explained the way a neighbor would explain it. 

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Explore More With a Self-Directed IRA

A self-directed IRA allows you to choose from a broader range of allowable alternative assets, including real estate, promissory notes, precious metals, and more.

Mountain West IRA provides the administrative and recordkeeping services to support your account and process transactions at your direction.

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