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SEP IRA
High-Limit Retirement Savings for the Self-Employed
Simple to set up. Powerful for your future.
A SEP IRA combines the simplicity of an IRA with contribution limits that go well beyond what a Traditional or Roth IRA allows. If you’re self-employed or run a small business, a SEP IRA is worth your consideration and offers a range of unique benefits.
High Contribution Limits
Simple Administration
No complex plan documents or annual filings required for most SEP IRA plans. Easy to establish and maintain
Alternative Asset Access
Invest in real estate, crypto, private equity, precious metals, and more, not just traditional market assets.
$12B+
Assets Under Custody*
250K+
Community Members
★★★★★
4.7 / 5
rating**
Top Benefits of Retired.com’s SEP IRA
Maximize Savings
Contribute well beyond standard IRA limits. SEP IRA contribution caps are among the highest available for retirement accounts.
Low, Transparent Fees
No hidden charges. You’ll always know exactly what you’re paying.
Flexible Contributions
Contributions are discretionary. You can adjust the amount you contribute each year based on your business performance
Expert Support
Real retirement specialists available to guide you through setting up a SEP IRA.
100% Vested and Portable
SEP contributions are immediately 100% owned by the employee.
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How to open your Retired.com SEP IRA
Strategies
Your retirement 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 Articles, Guides and Best Practices
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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.
*Based on assets under custody across all retired.com consumer brands as of 05/18/2026.
**Review and rating count is aggregated across public review platforms and app stores for all Retired.com consumer brands. Average platform rating is calculated as the average of displayed ratings and not weighted by review or rating count.
Reviews and media mentions listed on this page include those across all Retired.com consumer brands.
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