Mountain West IRA offers a variety of self-directed IRA retirement accounts for individuals and small business owners. These accounts provide the tax advantages associated with their respective account types while allowing a broader range of allowable alternative assets, including real estate, promissory notes, private entities, precious metals, and more.
Each account type has its own eligibility requirements, contribution limits, and tax rules. Explore the options below to learn more about the accounts we administer.
A Traditional IRA is a retirement account that may offer tax-deductible contributions and tax-deferred earnings, depending on your circumstances. A self-directed Traditional IRA allows you to choose from a broader range of allowable alternative assets while maintaining the tax rules applicable to Traditional IRAs.
A Roth IRA is funded with after-tax contributions and may provide tax-free qualified distributions when applicable requirements are met. A self-directed Roth IRA allows you to hold a broader range of allowable alternative assets while maintaining the tax rules applicable to Roth IRAs.
A SEP IRA (Simplified Employee Pension IRA) is a retirement plan generally available to self-employed individuals and business owners. Contributions are made by the employer, subject to applicable limits and requirements. A self-directed SEP IRA allows the account to hold a broader range of allowable alternative assets.
A SIMPLE IRA (Savings Incentive Match Plan for Employees) is an employer-sponsored retirement plan generally designed for small businesses with 100 or fewer employees. It allows eligible employees to make salary deferral contributions and requires employer contributions, subject to applicable rules.
An Individual 401(k) is a retirement plan generally designed for self-employed individuals and business owners with no eligible common-law employees other than a spouse. The plan may allow both employee salary deferrals and employer contributions, subject to applicable requirements.
A Health Savings Account (HSA) is a tax-advantaged account available to eligible individuals for qualified medical expenses. Contributions may be tax-deductible or excluded from income, and distributions used for qualified medical expenses are generally tax-free. A self-directed HSA may hold a broader range of allowable alternative assets.
Meet with our team to explore your personalized journey of building wealth through investing in real estate, promissory notes, precious metals, and other assets using your retirement fund.
Schedule A Consultation