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

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

• 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