Mountain West IRA – SEP IRA

Employer Contributions up to $54,000 for 2018

Simplified Employee Pension plans (SEP IRAs) may provide an easy, low-cost plan option if you are self-employed or a partner/owner of a corporation. With a Mountain West Self-Directed SEP IRA, you can use this account to invest in what you know best.

SEP IRA Rules:

If you choose to contribute to your retirement plan, you have the ability to select the percentage of contribution for any given year (0-25% of earned income) for both yourself and your staff. The only requirement is that the contribution percentage for a given year must be the same for each employee.

If you would like a self-directed SEP IRA and your current retirement plan does not allow self-direction, you may transfer all or part of the funds to a Mountain West self-directed SEP IRA so that you may choose your own investments.

Keep in mind that the maximum compensation amount that can be used for calculating your contribution is $265,000 (2018).

Why Consider a Mountain West Self-Directed SEP IRA?

  • A Mountain West self-directed SEP IRA does not have the start-up and operating costs of a conventional employer plan.
  • Allows for tax-deductible contribution of 25% of each employee’s pay up to $54,000.
  • You and your employees can have the flexibility to self-direct your retirement funds into real estate, mortgages, and other alternative investments.

Also consider a self-directed SEP IRA if:

  • You are: a sole proprietor, independent contractor, self-employed, partner, corporation, or S corporation
  • Your business pays no taxes on investment earnings
  • You do not want to be locked into making contributions every year
  • You would like a plan with low administrative costs
  • You are looking for a wider range of investment choices
2018 SEP IRA Contribution Limits
Up to 25% of compensation with a maximum of $54,000

Self-Directed SEP Application (PDF)


Please consult your tax professional for the plan that best suits your individual needs.

Contact a Mountain West IRA professional to establish a self-directed SEP IRA.