Iowa is one of the most favorable states in the country for the tax treatment of retirement income, including distributions from a self-directed gold IRA. House File 2317 (signed in 2022) introduced a state income tax exemption on retirement income for residents aged 55 and older starting in tax year 2023, paired with a phased move to a flat individual income tax rate. Combine those changes with an established exemption for Social Security benefits, IPERS treatment, and IRA creditor protection under Iowa Code, and the picture for a precious metals IRA in this state deserves a closer look. Iowa is also home base for one of the three providers reviewed in this guide.
For Iowa retirees aged 55 or older with $50,000 or more in eligible rollover funds, Augusta Precious Metals ranks first in this guide for its education-first onboarding, salaried (non-commissioned) account representatives, and BBB A+ profile with zero complaints accredited since 2014. Birch Gold Group is the only top-3 provider headquartered in Iowa, with an industry-reported minimum around $10,000 and a broader public depository network. Noble Gold Investments ranks third with its company-owned Texas depository and a single-vendor storage path.
What this guide covers
- Why Iowa is different for gold IRAs
- 2026 verdict cards (top 3)
- #1 Augusta Precious Metals
- #2 Birch Gold Group (Iowa headquartered)
- #3 Noble Gold Investments
- Side-by-side comparison
- Iowa retirement income exemption (HF 2317)
- Iowa flat income tax rate
- Iowa Social Security exemption
- IPERS and federal pension treatment
- IRA creditor protection under Iowa Code 627.6
- Storage: no IRS-approved depository in Iowa
- How to choose for Iowa residents
- FAQ
- Sources and methodology
Why Iowa is different for gold IRAs
Four Iowa-specific factors change how a self-directed gold IRA fits into a state resident’s retirement plan, and they are the reason this guide exists as a separate page from the national best-of.
First, Iowa overhauled its retirement income tax treatment in 2023. House File 2317, signed in 2022, exempted most retirement income (pension, 401(k), 403(b), traditional IRA distributions) from Iowa state income tax for residents aged 55 and older starting tax year 2023. Distributions from a self-directed traditional gold IRA fall under that exemption when the account holder meets the age requirement. Verify the current statute language and any updates with the Iowa Department of Revenue before relying on a specific outcome in your tax planning.
Second, Iowa moved to a flat individual income tax rate. The rate has been phased down from the prior multi-bracket structure under HF 2317 and subsequent legislation. For 2026 the headline rate is in the low-3-percent range, but exact figures change year to year, so confirm at the Iowa Department of Revenue when running projections. For residents under 55 whose retirement income is not yet exempt, the flat rate simplifies the projection because there is no bracket creep.
Third, Iowa exempts Social Security benefits from state income tax. This has been the case since the gradual exemption phased in through 2014, and it remains in effect. A self-directed gold IRA distribution does not change that treatment.
Fourth, Iowa does not host an IRS-approved precious metals depository. Residents who open a gold IRA store their metals out of state, most often at the Delaware Depository, Brink’s Global Services, International Depository Services, or the Texas Bullion Depository. Depository location is therefore not a selling point for any provider you choose, so other factors carry more weight. There is one in-state angle though: one of the three providers in this guide is headquartered in Iowa.
Iowa’s 65-plus population has grown steadily over the past decade per the US Census Bureau. The largest concentrations of pre-retirees and retirees sit in Polk County (Des Moines, West Des Moines, Ankeny), Linn County (Cedar Rapids, Marion), Scott County (Davenport, Bettendorf), Johnson County (Iowa City, Coralville), and Black Hawk County (Waterloo, Cedar Falls). Many of these households hold sizable 401(k) and 403(b) balances at retirement and benefit directly from the post-2023 retirement income exemption.
The 2026 verdict for Iowa residents
Three companies meet our editorial floor for Iowa residents this year. Each fits a different profile, and the Iowa-headquarters factor for Birch is unique among the three.
#1 Augusta Precious Metals
Augusta Precious Metals
Education-first gold IRA provider for Iowa rollovers of $50,000 or more.
Why Augusta fits Iowa retirees with larger rollovers
Augusta has been recognized by Money Magazine as Best Overall Gold IRA Company every year from 2022 through 2026 and by Investopedia as Most Transparent. The BBB profile shows an A+ rating with zero complaints accredited since 2014. For a Des Moines, Cedar Rapids, or Davenport resident weighing a six-figure rollover, those signals matter more than they would for a small starting balance.
The Augusta process is described publicly on the company site as a three-step education-first sequence: read the 2026 Gold IRA Guide, talk one-on-one with a salaried (non-commissioned) educator, then decide. Salaried staff means the representative on the call is not paid more if you buy a more expensive product. That structural detail is uncommon in this industry and worth noting for a cautious retiree.
Fit with Iowa retirement income rules
Iowa exempts most retirement income for residents aged 55 and older starting tax year 2023 under HF 2317. Distributions from a traditional gold IRA, whether held with Augusta or another provider, qualify under that exemption when the account holder meets the age threshold. A larger Augusta rollover combined with the Iowa age-55 exemption can compound the post-rollover tax simplicity for an Iowa retiree. Consult your tax advisor for the math specific to your filing status and federal AGI.
What to ask Augusta before committing
Augusta does not publish a full fee schedule on its website. Ask for the complete list during the free consultation: setup fee, annual custodian fee, annual storage fee, transaction fees, and the terms of any multi-year fee waiver for qualifying rollover accounts. Also ask which IRS-approved depository will hold your metals (Iowa has no in-state option), and request a written confirmation of the storage location for your records.
Strengths for Iowa residents
- Money Magazine Best Overall 2022 to 2026
- BBB A+ rating, zero complaints since 2014 accreditation
- Salaried, non-commissioned account representatives
- Multi-year fee waiver available for qualifying rollover accounts
- Free 2026 Gold IRA Guide and one-on-one webinar
Tradeoffs to know
- Industry-reported minimum around $50,000 closes out smaller rollovers
- No Iowa office (Beverly Hills, CA headquarters)
- Fee schedule not posted on website; details given by phone
- Custodian and depository names not stated publicly on site
Iowa residents aged 55 or older with $50,000 or more in eligible 401(k), 403(b), or IRA funds who value education and a structured process.
Investors with under $50,000 to start, those who want to skip the consultation step, and anyone needing a fully self-service online experience.
#2 Birch Gold Group (Iowa headquartered)
Birch Gold Group
Iowa-headquartered top-3 gold IRA provider, lower entry point, broader depository network.
Why Birch matters for Iowa residents specifically
Birch Gold Group is the only top-3 nationally recognized gold IRA provider headquartered in Iowa. The company’s about page describes its base as “headquartered centrally in the United States, Iowa, specifically.” That is a structural difference no other major provider can claim for Iowa residents. Customer service, account management, and IRA paperwork sit in the same Central Time zone as your phone, and the company’s home state and yours line up.
Birch has been serving customers since 2011 and reports over 40,000 Americans served. The company holds a BBB A+ rating and a AAA rating from the Business Consumer Alliance per its About page. The industry-reported minimum is around $10,000, which opens the door for Iowa pre-retirees who want to begin a gold IRA position early in their career rather than waiting until they hit a $50,000 threshold elsewhere. Confirm the current minimum directly with Birch before opening an account.
Depository options that work for Iowa residents
Birch publicly lists multiple depository partners including the Delaware Depository, Brink’s Global Services, International Depository Services, the Texas Bullion Depository, and Texas Precious Metals Depository. Iowa residents need an out-of-state depository regardless of provider, so a broader network offers flexibility between an east-coast (Delaware) and south (Texas) option.
Strengths for Iowa residents
- Only top-3 gold IRA provider headquartered in Iowa
- Industry-reported minimum around $10,000 (lower entry than Augusta)
- BBB A+ and AAA from Business Consumer Alliance
- 40,000+ customers served since 2011
- Multiple depository options including Delaware and Texas
- Central Time zone match for Iowa callers
Tradeoffs to know
- Fewer years in business than industry leaders with 1990s origins
- Custodian not stated publicly on website
- No publicly posted fee waiver promotion comparable to Augusta’s
- Endorsements lean toward media-known commentators
Iowa residents starting at $10,000 to $50,000, those who place value on supporting an in-state company, and pre-retirees building a gold IRA position before age 59 and a half.
Higher-net-worth retirees aged 55 or older who specifically want Augusta’s structured education process and publicly known fee waiver structure.
#3 Noble Gold Investments
Noble Gold Investments
Company-owned Texas depository, $2.5 billion safeguarded, Encino HQ.
Why Noble ranks third for Iowa
Noble Gold reports helping over 16,000 investors safeguard more than $2.5 billion in wealth through gold and silver IRAs. The company operates a Texas-based depository under its own brand, which gives Noble customers a clear single-vendor storage option (rather than picking from a network). Noble’s marketing references industry experience going back to 2003, though Noble Gold Investments as a corporate entity is more recent.
For Iowa residents, Noble’s Texas depository is one of the geographically reasonable choices, but Iowa is closer to the Delaware Depository network used by Birch than to Texas, so the Noble single-vendor Texas advantage is less pronounced than it would be for a state in the South or Midwest closer to Texas. The cost difference is small, but the option exists.
Where Noble falls short relative to Augusta and Birch
Noble’s public website is less detailed on fees, custodian relationships, and award history than Augusta or Birch. Its BBB rating is widely reported as A+ but was not directly confirmed during our most recent crawl, so this guide treats it as industry-reported. Verify any rating claim with the BBB directly before relying on it.
Strengths for Iowa residents
- Company-owned Texas depository option
- 16,000+ investors and $2.5 billion safeguarded per Noble’s site
- Home delivery option available for non-IRA precious metals purchases
- Industry-reported minimum around $20,000 (between Augusta and Birch)
Tradeoffs to know
- No Iowa or Central US base (Encino, CA)
- Goldiew internal sample size is small (9 verified reviews)
- BBB A+ rating widely reported but not directly verified during last crawl
- Founding date is described as marketing reference (2003) rather than confirmed corporate formation
- Fewer awards visibility than Augusta or Birch on public-facing pages
Iowa residents wanting a single-vendor storage path (Texas depository) and households comfortable with a smaller, less-decorated brand.
Buyers who want the most awards, the deepest customer-base track record, or an in-state company connection.
Side-by-side comparison for Iowa residents
| Criterion | Augusta | Birch | Noble |
|---|---|---|---|
| Industry-reported minimum | ~$50,000 | ~$10,000 | ~$20,000 |
| Founded | 2012 | 2011 | ~2016 entity (marketing refs 2003) |
| Customers reported | 4,000+ five-star ratings | 40,000+ Americans | 16,000+ investors |
| BBB rating | A+ zero complaints since 2014 | A+ | A+ (industry-reported) |
| Headquarters | Beverly Hills, CA | Iowa | Encino, CA |
| Custodian publicly named | “Qualified self-directed IRA custodian” | “IRS-approved custodians” | “Trusted precious metals IRA custodian” |
| Depository options publicly listed | Not specified on site | Delaware, Brink’s, IDS, Texas Bullion, Texas Precious Metals | Texas (company-owned) |
| Fee waiver promotion | Multi-year waiver for qualifying rollovers | None advertised | None advertised |
| Major awards | Money Mag #1 2022 to 2026, Investopedia Most Transparent | AAA Business Consumer Alliance | None publicly featured |
| Goldiew rating | 4.71 / 5 | 4.43 / 5 | 4.67 / 5 |
| Get Augusta guide | Get Birch info kit | Visit Noble |
Highlighted cells mark where a company has a measurable advantage versus the other two for an Iowa resident’s decision. Five highlights for Augusta on rigor, two for Birch (including the unique Iowa headquarters), and the rest distributed.
Iowa retirement income exemption (House File 2317)
House File 2317, signed into law in 2022, restructured Iowa’s individual income tax over a multi-year phase-in. One central element of the legislation is the exemption of retirement income from Iowa state income tax for residents aged 55 and older. The exemption took effect with tax year 2023.
Eligible income under the exemption includes distributions from traditional IRAs (including self-directed precious metals IRAs), Roth IRA distributions, pension and annuity income, 401(k) and 403(b) distributions, and most other defined-contribution retirement plan payouts. Iowa Department of Revenue guidance defines the qualifying categories. Verify the current scope of eligible income at the Iowa Department of Revenue before relying on the exemption for a specific account type.
For Iowa residents aged 55 and older, this exemption is a significant reason gold IRA distribution planning is simpler in Iowa than in most states. A traditional gold IRA distribution is still taxable at the federal ordinary income rate, but the Iowa portion of the bill effectively goes to zero for qualifying age and income types. Consult your tax advisor for the calculation specific to your filing status, federal AGI, and the year your distributions begin.
Residents under age 55 do not qualify for the exemption and pay Iowa tax on retirement distributions at the prevailing flat rate. The exemption is also subject to interpretation on edge cases (such as inherited IRAs or early-distribution scenarios), so confirm your specific facts with a licensed Iowa tax professional. We are not financial or tax advisors.
Iowa flat individual income tax rate
Iowa replaced its multi-bracket individual income tax structure with a flat rate under HF 2317, and subsequent legislation accelerated the phase-in. The headline rate for tax year 2026 sits in the low-3-percent range, but exact figures change year to year. Verify the current rate and any year-specific adjustments at the Iowa Department of Revenue before running tax projections on a gold IRA distribution scenario.
For residents aged 55 and older whose retirement income is exempt under HF 2317, the flat rate is largely irrelevant for that portion of their income. For residents under 55, or for income outside the retirement-income definition, the flat rate applies in a single tier. Roth conversions, taxable in the year of conversion at federal and Iowa rates, are simpler to project under a flat structure than under a multi-bracket system. Consult your tax advisor for your specific situation.
Iowa Social Security exemption
Iowa fully exempts Social Security benefits from state individual income tax. The exemption phased in across multiple years and was fully effective by 2014. A self-directed gold IRA distribution does not change Social Security treatment at the state level.
For Iowa retirees, this means that the combination of Social Security benefits, IPERS or other public pension benefits, and gold IRA distributions for residents 55 and older can result in a notably low Iowa state tax bill. The federal layer is the larger consideration in most cases. Consult your tax advisor for the calculation specific to your filing status and federal AGI.
We are not financial advisors. Consult a licensed advisor before making retirement decisions.
IPERS and federal pension treatment in Iowa
The Iowa Public Employees’ Retirement System (IPERS) covers most state, county, and municipal employees, as well as teachers in covered school districts. Before HF 2317, IPERS retirement benefits received partial Iowa tax treatment subject to age and other rules. Starting tax year 2023, IPERS retirement benefits fall under the broader retirement-income exemption for residents aged 55 and older, alongside private 401(k) and IRA distributions.
Federal civil service annuities (CSRS and FERS), military retirement pay, and railroad retirement benefits are also generally covered by the retirement-income exemption under HF 2317 for residents who meet the age threshold. Verify the current exemption language and any year-specific updates with the Iowa Department of Revenue and consult your tax advisor.
For Iowa residents whose primary retirement income is a private 401(k) or traditional IRA rather than a public pension, the post-2023 picture is therefore aligned with public-sector retirees: same exemption, same age threshold. A self-directed gold IRA falls into this same category for qualifying residents.
IRA creditor protection under Iowa Code 627.6
Iowa provides creditor protection for retirement accounts through the personal-property exemption schedule in Iowa Code section 627.6. The statute generally exempts retirement plan and IRA assets from execution by most creditors. The exemption tracks the underlying federal tax-qualification status of the account. Verify the current statutory language at the Iowa Legislature directly before relying on it for a specific situation.
This state-level protection sits on top of federal bankruptcy protection. Under the federal Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 (BAPCPA), traditional and Roth IRAs receive substantial protection up to an inflation-adjusted limit (verify the current limit at the United States Courts bankruptcy basics page). Rollover IRA assets generally retain unlimited federal bankruptcy protection because they trace back to ERISA-protected employer plan funds.
Exceptions exist for IRS tax debts, federal criminal forfeitures, and qualified domestic relations orders (QDROs). This guide does not provide legal advice. Consult a licensed Iowa attorney for advice specific to your situation. Consult your tax advisor for tax-related questions.
Storage: no IRS-approved depository in Iowa
Iowa does not host any IRS-approved precious metals depository for IRA-held assets. Residents who open a gold IRA store their metals at one of the major out-of-state facilities. Common choices include the Delaware Depository in Wilmington, the Texas Bullion Depository in Leander, International Depository Services in Texas or Delaware, and Brink’s Global Services at multiple US locations.
Home storage is not permitted. The IRS treats home storage of IRA-held precious metals as a distribution, which triggers ordinary income tax on the full value and the 10 percent early withdrawal penalty if you are under age 59 and a half. The 2021 Tax Court ruling in McNulty v. Commissioner specifically addressed this question and confirmed the IRS position. A self-directed IRA must use a qualified trustee or custodian, and metals must sit at an approved depository.
What this means for your choice. Because no provider can offer an Iowa in-state storage advantage, depository location is not the deciding factor for Iowa residents. Other factors matter more: minimum investment, fee transparency, education, customer-reported experience, and whether the company itself is in your state for service alignment.
How Iowa residents should choose
The right gold IRA company depends on the size of your rollover, your age relative to the Iowa 55-plus exemption, and how you want to interact with the provider. Three short profiles, mapped to the three companies above.
Choose Augusta if
You are aged 55 or older, you are rolling $50,000 or more from a 401(k), 403(b), or traditional IRA, and you value an education-first onboarding with a salaried non-commissioned representative. The multi-year fee waiver for qualifying accounts is meaningful at this account size, and the Iowa retirement-income exemption applies to distributions from any qualifying account.
Request Augusta guideChoose Birch if
Your starting balance is between $10,000 and $50,000, you place a real value on working with an Iowa-headquartered company, or you want flexibility in which depository holds your metals. The lower minimum lets you start building a position before reaching the larger thresholds at other firms.
Get Birch info kitChoose Noble if
You want a single-vendor storage path with a company-owned Texas depository, and you are comfortable with a smaller brand and a smaller publicly verified review sample.
Visit Noble GoldBefore choosing, also read related guides for context: our gold value calculator can help you estimate the current value of holdings you already own, and how to tell if your gold is real covers basic authentication steps that matter before a buyback or in-kind distribution. For broader regional context, see the Kansas residents guide.
Frequently asked questions about gold IRAs for Iowa residents
Are gold IRA distributions taxable in Iowa?
For Iowa residents aged 55 and older, distributions from a traditional self-directed gold IRA generally fall under the retirement income exemption introduced by House File 2317 starting tax year 2023, meaning no Iowa state income tax applies to the qualifying portion. Federal ordinary income tax still applies. Residents under age 55 pay Iowa state income tax on distributions at the prevailing flat rate. Verify the current exemption language and qualifying account types at the Iowa Department of Revenue. Consult your tax advisor for your specific situation.
Are Social Security benefits taxable in Iowa for retirees with a gold IRA?
No. Iowa fully exempts Social Security benefits from state individual income tax. The exemption phased in over multiple years and was fully effective by 2014. A gold IRA distribution does not change the Social Security treatment at the state level. Consult your tax advisor for your specific situation.
Is there an IRS-approved precious metals depository in Iowa?
No. Iowa does not host an IRS-approved depository for IRA-held metals. Residents typically store at the Delaware Depository in Wilmington, the Texas Bullion Depository in Leander, International Depository Services, or Brink’s Global Services. Your custodian must approve the depository before metals can be stored there.
Can an Iowa resident store gold IRA metals at home?
No. IRS rules require IRA-held precious metals to be held by a qualified trustee at an approved depository, regardless of state. The 2021 Tax Court ruling in McNulty v. Commissioner confirmed the IRS position against home-storage arrangements for IRA-held metals. Storing IRA-held gold at home is treated as a distribution, triggering ordinary income tax plus a 10 percent early withdrawal penalty if you are under 59 and a half. Source: IRS Publication 590-B.
Is any major gold IRA company headquartered in Iowa?
Yes. Birch Gold Group describes itself as headquartered centrally in the United States, in Iowa specifically. It is the only top-3 nationally recognized gold IRA company with an Iowa base, which is a unique fit signal for Iowa residents who value an in-state company. Augusta is in Beverly Hills, California, and Noble is in Encino, California.
How does the Iowa flat income tax apply to a traditional gold IRA distribution?
For Iowa residents aged 55 and older, the retirement income exemption under HF 2317 generally removes the Iowa portion of the bill for qualifying account distributions. For residents under 55, the Iowa flat individual income tax rate applies to the distribution amount in addition to the federal ordinary income tax. Verify the current rate and any year-specific adjustments at the Iowa Department of Revenue. Consult your tax advisor for the calculation specific to your year.
Are IPERS and federal pension benefits exempt from Iowa tax?
Generally yes for residents aged 55 and older. Under HF 2317, the retirement income exemption that took effect tax year 2023 covers most retirement income types, including IPERS benefits, federal civil service annuities (CSRS and FERS), military retirement pay, railroad retirement benefits, and private 401(k) and IRA distributions, when the recipient meets the age threshold. Verify the current exemption language at the Iowa Department of Revenue.
Are gold IRA assets protected from creditors in Iowa?
Generally yes. Iowa Code section 627.6 includes retirement-account exemptions that protect IRA assets, including traditional and Roth IRAs, from execution by most creditors. Federal bankruptcy law (BAPCPA 2005) provides protection on top of the state rules, and rollover IRAs generally retain unlimited federal bankruptcy protection because the funds trace back to ERISA-protected employer plan sources. Exceptions exist for IRS tax debts and qualified domestic relations orders. Verify the current statute language at the Iowa Legislature and consult a licensed Iowa attorney.
What is the minimum to open a gold IRA in Iowa?
There is no Iowa-specific minimum. Each provider sets its own threshold. Industry sources report Augusta at around $50,000, Noble at around $20,000, and Birch at around $10,000. These figures are not posted on company home pages, so confirm the current minimum directly with each company before deciding.
Can an Iowa resident roll a 401(k) into a gold IRA?
Yes. The rollover process is governed by federal law and works the same for Iowa residents as nationally. The recommended method is a direct (trustee-to-trustee) rollover, which avoids the mandatory 20 percent federal withholding and the 60-day rule that apply to indirect rollovers. The new gold IRA custodian then purchases IRS-approved metals on your behalf, and the metals are shipped to an approved out-of-state depository. Consult your tax advisor before initiating any rollover.
What metals are IRS-approved for a gold IRA?
IRS-approved metals must meet minimum purity standards: gold at 99.5 percent (the American Gold Eagle is a recognized exception), silver at 99.9 percent, and platinum and palladium at 99.95 percent. Most numismatic and collectible coins are not eligible for IRA holding. Verify the exact eligible-products list with your custodian. Source: IRS Publication 590-B.
What red flags should Iowa investors watch out for with gold IRA scams?
FINRA and the SEC have issued investor alerts about precious metals fraud. Red flags include companies pushing premium (numismatic) coins over standard IRA-eligible bullion without clear justification, high-pressure or urgency-based sales tactics, guaranteed return claims, unsolicited cold calls with limited-time offers, and any promoter suggesting home storage as a legitimate IRA strategy. Verify any company with the BBB at bbb.org, check SEC enforcement actions at sec.gov, and read FINRA’s investor alert on precious metals fraud at finra.org. Past performance is not a guarantee of future results.
Sources and methodology
Goldiew’s ranking for Iowa residents reflects verified facts from each provider’s public website (crawled May 2026), cross-referenced with BBB profiles and Goldiew’s own user review database (7 Augusta reviews, 7 Birch reviews, 9 Noble reviews, with average ratings shown above). Iowa-specific weighting was applied to the HF 2317 retirement income exemption for residents aged 55 and older, the Iowa flat individual income tax rate, the Iowa Social Security exemption, IPERS treatment, and IRA creditor protection under Iowa Code section 627.6. Birch Gold’s Iowa headquarters was confirmed against the company’s about page.
- IRS Publication 590-A: Contributions to IRAs
- IRS Publication 590-B: Distributions from IRAs
- FINRA Precious Metals Fraud Investor Alert
- SEC investor.gov: Self-Directed IRAs
- BBB Business Rating Profiles
- Iowa Department of Revenue (tax.iowa.gov)
- Iowa Legislature: Iowa Code (HF 2317, Iowa Code section 627.6)
- Iowa Public Employees’ Retirement System (IPERS)
- US Census Bureau: Iowa QuickFacts
- United States Courts: Bankruptcy Basics
- Augusta Precious Metals: Home and About (verified 2026)
- Birch Gold Group: About (Iowa headquarters confirmed, verified 2026)
- Noble Gold Investments: Gold IRA page (verified 2026)
- Goldiew user reviews: Augusta (7 verified, avg 4.71)
- Goldiew user reviews: Birch (7 verified, avg 4.43)
- Goldiew user reviews: Noble (9 verified, avg 4.67)
- Goldiew gold value calculator
- How to tell if your gold is real
- Gold IRA Kansas residents guide
Minimum investment figures are industry-reported and not publicly confirmed on company home pages; verify current minimums directly with each company. Iowa statute references and Department of Revenue rules are subject to legislative change; verify before relying on a specific dollar figure or rate in your tax return. We are not financial or tax advisors. Consult a licensed advisor before making retirement decisions. Consult your tax advisor for tax-specific questions. Past performance is not a guarantee of future results.