mountain west ira

Simplified Employee Pension (SEP) Plan

Contribution Limits

Click here to download → Contribution Limits

How to Open a Self-Directed SEP Account

We have step-by-step directions HERE.
You may also view our Process Diagram HERE.
If you have any questions, please contact our office HERE.

SEP 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 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.

Why Consider a Mountain West IRA Self-Directed SEP?

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.

Also Consider a Self-Directed SEP 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

SEP IRA Contribution Limits

SEP IRA contribution limits are established annually by the IRS and may change from year to year.
‍View Current Contribution Limits HERE.‍

How Do I  Open a Self-Directed SEP IRA?

Step-by-Step Instructions: Learn how to open and fund your self-directed SEP IRA HERE.
Process Diagram: View our step-by-step account opening and asset purchase process HERE.

SEP IRA Rules

A SEP IRA allows eligible employers, including self-employed individuals, to make retirement contributions for themselves and eligible employees.

Employers determine how much to contribute each year, including the option not to contribute. Contributions are generally limited to 25% of an eligible employee's compensation, up to the annual IRS dollar limit. Special calculation rules apply to self-employed individuals.

When contributions are made, they must generally be based on the same percentage of compensation for all eligible employees.

If your current SEP IRA provider does not offer self-directed asset options, you may be able to transfer eligible funds to a Mountain West IRA self-directed SEP IRA, subject to applicable plan requirements and IRS rules.

Why Consider a Mountain West IRA Self-Directed SEP IRA?

A Mountain West IRA self-directed SEP IRA offers a flexible retirement savings option for business owners and self-employed individuals.

  • Simplified Administration: SEP IRAs generally have fewer administrative requirements than traditional employer-sponsored retirement plans.
  • Potential Tax Benefits: Employer contributions are generally tax-deductible, subject to IRS limits and requirements.
  • Flexible Contributions: Employers can determine their contribution amount each year, including choosing not to contribute.
  • Expanded Asset Choices: Eligible account owners can direct their retirement funds toward alternative assets, including real estate, promissory notes, and private placements.

A Mountain West IRA self-directed SEP IRA offers a flexible retirement savings option for business owners and self-employed individuals.

Is a Self-Directed SEP IRA Right for You?

A self-directed SEP IRA may be worth considering if:

  • You are self-employed or own a business, including a sole proprietorship, partnership, corporation, or S corporation.
  • You want flexibility in deciding whether to make employer contributions each year.
  • You prefer a retirement plan with relatively straightforward administration.
  • You want the potential tax advantages associated with employer retirement contributions.
  • You are interested in holding a broader range of eligible alternative assets within your retirement account.

Self-Directed IRA Education

Are You Looking To Self-Direct Your Retirement Account?

If you’re looking for self-directed IRA companies, look no further than Mountain West IRA. We take great pride in helping our clients create the IRA retirement plan that will provide you with the solid financial foundation you need to ensure you can live comfortably in your retirement years.

Mountain West IRA is a nationally trusted self-directed IRA administrator. We accept a vast array of alternative allowable investments so you can create a diverse alternative asset portfolio that yields the results you are looking for to fund your retirement years, while being in control of your retirement.

Webinar Information

You can access all of our webinars HERE.

Self-Directed IRA Investment Process

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