A SEP-IRA is best for employers who want flexibility in the amounts they contribute annually and want an easy-to-administer, low-cost plan with no complicated tax filings. A SEP-IRA may be best for the following people:

  • A self-employed individual
  • An employer with few or no employees
  • An employer who wants to make high contributions to their own accounts and the accounts of employees or partners

The employer and their employees first establish their own individual SEP-IRAs. Then the employer contributes to each eligible employee’s SEP-IRA account.
Once the employer has contributed to the SEP-IRA, it is 100% owned (vested) by the individual account holder.
Contact us to find out if a SEP-IRA is a good retirement vehicle for you.

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