Traditional IRA

Mountain West IRA's Traditional IRA enables individuals to save for retirement with tax-deferred contributions, offering a wide range of investment choices to secure a stable financial future.

Forms and Documents

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2025 Contribution Limits

Blog Articles

Understanding Self-Directed IRAs: Answers to 7 Common Questions

Self-Directed IRAs (SDIRAs) have become increasingly popular among investors seeking greater control over their retirement funds and the ability to diversify their investment portfolios. However, many people still have questions about how these accounts work and whether they are the right choice for their financial goals. In this post, we will answer seven common questions about SDIRAs to help you make an informed decision.

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Roth IRA vs. Traditional IRA: Understanding the Key Differences

Individual Retirement Accounts (IRAs) are essential tools for securing a strong financial future. The two most popular types, Roth IRAs and Traditional IRAs, each offer unique tax advantages and have distinct features. This blog delves into the critical differences between them, including tax treatment, contribution and income limits, required minimum distributions (RMDs), and early withdrawal rules.

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Rolling Over Your Defined Benefit Plan

A defined benefit plan promises a specified monthly benefit at retirement.

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Understanding the Differences Between a Traditional IRA and a 401(k)

When planning for retirement, it's essential to understand the various investment options available to you. Two of the most common retirement accounts are the Traditional IRA and the 401(k). While both aim to help you save for the future, they differ significantly in structure, benefits, and eligibility.

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Roth vs. Traditional IRA

With a traditional IRA, contributions you make to a traditional IRA may be fully or partially deductible, depending on your circumstances.

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Is Your Traditional IRA Contribution Deductible?

In "Is Your Traditional IRA Contribution Deductible?", we explore the complexities of deducting contributions to a Traditional IRA. This blog highlights key factors influencing deductibility, such as coverage by employer retirement plans and income thresholds. For those uncovered by such plans, contributions are fully deductible, but coverage can reduce or eliminate deductibility based on modified adjusted gross income (MAGI). Readers are advised to consult IRS guidelines, particularly Publication 590-A, to navigate these rules and ensure accurate reporting. Properly managing deductibility helps maximize retirement savings and tax benefits, underscoring the importance of professional advice for tailored financial strategies.

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Video Library

What is a Traditional IRA?

Why consider a Mountain West IRA self-directed IRA? We go over everything you need to know!

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Frequently Asked Questions

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