SEP IRAs

SEP IRAs - Simplified Employee Pension Plan

For businesses of all sizes

No matter your business size, SEP IRAs can provide an effective retirement plan vehicle for all eligible employees.

Reduced filing requirements

Compared with 401(k)s, SEP IRAs have a simplified enrollment and documentation process from day one.

Employer only contributions

A unique factor in SEP IRAs is that only the employer contributes to the account. And all contributions are 100% vested.

Contribution Limits

Starting 2026 employers are able to contribute up to $72,000 or 25% an employees annual salary (whichever is less) per year to their employees retirement accounts.