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SEP IRA
High-Limit Retirement Savings for the Self-Employed
Save more for retirement with a Simplified Employee Pension plan. Designed for self-employed professionals and small business owners who want higher contribution limits and alternative asset access.




★★★★★
COMING SOON
Open Your SEP IRA in Minutes

1. Open an Account
Sign up online and establish your SEP IRA. Fast, fully digital, and secure.

2. Fund Your Account
Make employer contributions or roll over an existing retirement account. Multiple funding options are available.

3. Choose Your Investments
Invest in the alternative assets that fit your strategy. Our team supports you every step of the way.
Top Benefits of Retired.com’s Solo 401(k)

Maximize Savings
Contribute well beyond standard IRA limits. SEP IRA contribution caps are among the highest available for retirement accounts.

Expert Support
Real retirement specialists available to guide you through setup and getting started. Not bots, not FAQs.

Flexible Contributions
Contributions are discretionary. You can adjust the amount you contribute each year based on your business performance.

Low, Transparent Fees
No hidden charges. You’ll always know exactly what you’re paying.
Ways to Fund Your SEP IRA


Strategies
Your SEP IRA Blueprint, for Free
Wondering how a SEP IRA compares to a Solo 401(k), what the current contribution limits are, or how to invest in alternatives? Explore our resource center for guides built for business owners.

Learn Before You Invest with Retired.com’s SEP IRA Articles
The latest insights on SEP IRAs, contribution strategies, and best practices for self-employed retirement planning.

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Frequently Asked Questions
What is a SEP IRA?
A Simplified Employee Pension Plan (SEP) IRA is a retirement account that allows self-employed individuals and small business owners to make tax-deductible contributions on behalf of themselves and eligible employees. It functions like a Standard IRA but with significantly higher contribution limits.
Who is eligible for a SEP IRA?
Any self-employed individual, freelancer, independent contractor, or small business owner can establish a SEP IRA. If you have employees, contributions must generally be made for all eligible employees at the same percentage rate.
What are the contribution limits for a SEP IRA?
SEP IRA contributions are limited to 25% of net self-employment income (or compensation, for employees), up to the annual IRS dollar limit. These limits are significantly higher than Traditional or Roth IRA contribution caps.
How is a SEP IRA different from a Solo 401(k)?
Both offer high contribution limits for self-employed individuals, but they differ in structure. A SEP IRA allows only employer contributions, while a Solo 401(k) allows both employee deferrals and employer contributions. A Solo 401(k) also offers a Roth option and a potential loan feature.
What can I invest in with a SEP IRA?
With Retired.com, your SEP IRA can invest in a wide range of traditional and alternative assets, including real estate, cryptocurrency, precious metals, private equity, promissory notes, and more.
What fees are associated with a SEP IRA?
Retired.com charges transparent fees for account administration. There are no hidden charges and no fees to roll over an existing retirement account. Full fee details are provided before you commit.
Is my SEP IRA secure?
Yes. Your assets are held with institutional-grade custody and security protocols. Retired.com partners with leading custodians to keep your retirement investments protected.

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