{"id":23916,"date":"2026-04-18T14:55:50","date_gmt":"2026-04-18T14:55:50","guid":{"rendered":"https:\/\/incredipros.com\/?p=23916"},"modified":"2026-04-18T14:55:50","modified_gmt":"2026-04-18T14:55:50","slug":"what-is-a-sep-ira","status":"publish","type":"post","link":"https:\/\/incredipros.com\/?p=23916","title":{"rendered":"What Is a SEP IRA?"},"content":{"rendered":"<div>\n<p>Look at you! You\u2019re either kicking butt as your own boss or you\u2019re killing it as an employee of a small business. In either role, you\u2019re the backbone of the American economy.\n    <\/p>\n<div class=\"BlogInsert-copy\">\n<p>Market chaos, inflation, your future\u2014work with a pro to navigate this stuff.<\/p>\n<\/p><\/div>\n<p>So, you\u2019ve got your business plan in place and you know where you\u2019re headed\u2014but what about your retirement plan? Are there small-business retirement options out there for you? There sure are! And one of them is the SEP-IRA.\n    <\/p>\n<h2>What Is a SEP-IRA? \u00a0<\/h2>\n<p>A SEP-IRA, which stands for Simplified\u00a0Employee\u00a0Pension\u00a0Individual\u00a0Retirement\u00a0Account, is one way small-business owners can invest for their employees\u2019 (and their own) retirement. It\u2019s a tax-deferred retirement savings plan that works a lot like a traditional IRA.\n    <\/p>\n<p>The SEP-IRA provides a retirement plan option for companies with small teams\u2014or a team of one\u2014with simpler setup and lower administrative costs than many other employer-sponsored retirement plans. And anything that makes this stuff easier for small-business owners is a good thing in our book.\n    <\/p>\n<h2>How Do SEP-IRAs Work?<\/h2>\n<p>If you know how a pension plan works, you already get the basics about the SEP-IRA. Employees can\u2019t make any contributions here\u2014they\u2019re all made by the employer on behalf of eligible employees. If you\u2019re the employee, this is phenomenal (it\u2019s free money!). And if you\u2019re the small-business owner, your contributions are tax-deductible, so you win too.\n    <\/p>\n<p>SEP-IRAs offer other advantages as well. They\u2019re easy to set up and have high annual contribution limits. Plus,contributions are immediately vested\u2014meaning that money belongs to the employee from day one.\n    <\/p>\n<p>But how do you know if\u00a0you\u2019re\u00a0eligible? Thankfully, the answer is pretty straightforward. There are three things that qualify you to participate in a SEP-IRA:\n    <\/p>\n<ul>\n<li>You\u2019re at least 21 years old.<\/li>\n<li>You\u2019ve worked for the employer (or have been self-employed)\u00a0for at least three of the last five years.<\/li>\n<li>You received a minimum of $750 in compensation from the employer during the tax year.<sup>3<\/sup><\/li>\n<\/ul>\n<p>There\u2019s a catch, though: If you\u2019re the employer and your employees who are eligible choose to participate, you\u00a0<em>must<\/em>\u00a0contribute for them. Also, any contributions you make for yourself must be equal to the salary percentage you contribute for each participant. For example, you can\u2019t give yourself 15% but only contribute 2% for your employees (even if your last name is Scrooge).\n    <\/p>\n<p>On the flip side, the company isn\u2019t\u00a0locked into contributing annually (you can skip a year if revenues are way down, for example). So, deciding how much to contribute\u2014or whether to contribute at all\u2014can change from year to year. And speaking of contributions . . .\n    <\/p>\n<h2>What Are the SEP-IRA Contribution Limits for 2025?<\/h2>\n<p>The SEP-IRA\u2019s contribution limits set it apart from other plans in a big way.\u00a0For 2025, employers are allowed to contribute up to\u00a025% of an employee\u2019s salary\u00a0or a max of\u00a0$70,000\u2014whichever is less.<sup>4<\/sup>\n    <\/p>\n<p>Let\u2019s do some quick math for the sake of comparison. If you\u2019re investing through a traditional IRA in 2025, your contribution limit is $7,000 ($8,000 if you\u2019re 50 or older).<sup>5<\/sup> But if your employer contributed up to the max for your SEP-IRA (remember, that\u2019s a max of $70,000), you could get several times the annual limit of a\u00a0traditional IRA invested into your account!\u00a0\n    <\/p>\n<p>And here\u2019s another bonus of the SEP-IRA: You can still contribute to another IRA. Yep, employer contributions from a SEP-IRA don\u2019t count toward <em>employee<\/em> contributions to another plan, such as a Roth or traditional IRA. If you\u2019re making contributions to more than one retirement savings plan, just be sure you talk with an investment pro who can help you put a solid game plan in place. You\u2019ll want to stay up to date on any requirements that apply in your situation.\n    <\/p>\n<h2>How Will a SEP-IRA Affect My Taxes?<\/h2>\n<p>SEP-IRAs offer both small-business owners and participating employees a tax-favored way to save for retirement. If you\u2019re the employer, you can deduct contributions you make to the plan for your employees (up to 25% of all participants\u2019 compensation).<sup>6<\/sup>\u00a0You can also deduct the fees of the company managing the plan if contributions to the plan don\u2019t cover them. Earnings on the contributions are generally tax-free until you or your employees receive distributions from the plan.\n    <\/p>\n<p>If you\u2019re the employer, you can make contributions up to the tax filing due date\u2014and that includes extensions.<sup>7<\/sup>\u00a0That means you can keep making contributions right up to Tax Day (or six months later, if you file an extension). Even better, you can deduct contributions you make to the plan for yourself.<sup>8<\/sup>\n    <\/p>\n<h2>What Else Do I Need to Know About SEP-IRAs?<\/h2>\n<p>Like other traditional\u00a0retirement accounts, the SEP-IRA has a few details you need to think about.\n    <\/p>\n<p>First, like traditional IRAs, you\u2019re <em>able<\/em> to start taking distributions after age 59 1\/2\u2014but you\u2019re\u00a0<em>required<\/em>\u00a0to start taking minimum distributions starting at 73. And since the plans are funded with pretax dollars, you\u2019ll pay taxes on those distributions in retirement. But any withdrawals you make\u00a0before\u00a059 1\/2? Those are taxed as income\u00a0and\u00a0come with a 10% penalty.<sup>9<\/sup> \u00a0\n    <\/p>\n<p>Like\u00a0401(k)s\u00a0and traditional IRAs, SEP-IRAs let the employees manage the investments in the plan. The provider or brokerage firm that holds the plan\u2019s assets determines eligible investments and handles all the boring stuff, like managing contributions, providing annual statements, and filing all the paperwork with the IRS.\n    <\/p>\n<p>Unfortunately, unlike other traditional options, the SEP-IRA doesn\u2019t allow\u00a0catch-up contributions for people who are 50 or older. But it\u2019s not all bad news . . .\n    <\/p>\n<p>Congress passed the SECURE 2.0 Act in late 2022, which introduced lots of new regulations\u2014including a Roth option for SEP-IRAs. This is great news for small-business owners and their employees, who now have the option to invest with after-tax dollars\u2014and enjoy tax-free withdrawals in retirement.\n    <\/p>\n<p>Plus, Roth plans don\u2019t have required minimum distributions (RMDs) like tax-deferred plans do. If you\u2019re a small-business owner, the Roth SEP-IRA may be something to talk about with a pro to see if it\u2019s right for your business.\u00a0\n    <\/p>\n<h2>How to Set Up a SEP-IRA<\/h2>\n<p>Establishing a SEP-IRA as a small-business owner is easier than shopping for ice cream (depending on how picky your family is). There are five major steps:\n    <\/p>\n<ol>\n<li><strong>Choose a provider or financial institution.<\/strong> Usually, this is a brokerage firm that will act as legal custodian for the funds.<\/li>\n<li><strong>Adopt a written plan agreement.<\/strong> This agreement outlines what you plan to provide (how much the company will contribute). You\u2019ll fill out IRS Form 5305-SEP and keep it for your records.<\/li>\n<li><strong>Choose the investment options within the plan.<\/strong> Tell your employees about their retirement investment options in the plan, usually by providing a copy of the above form (and probably having a meeting). We suggest having a variety of good growth stock mutual funds for you and your employees to choose from.<\/li>\n<li><strong>Set up individual SEP-IRAs for eligible employees who opt in.<\/strong> You\u2019ll open individual accounts with the provider you chose to help manage the plan.<\/li>\n<li><strong>Start contributing to employees\u2019 plans.<\/strong> Once the accounts are open and active, it\u2019s time to start making those contributions!<\/li>\n<\/ol>\n<p>Okay, so maybe it\u2019s a little harder than shopping for ice cream. But you can always find investment help with a SmartVestor Pro.\n    <\/p>\n<h2>Work With a SmartVestor Pro<\/h2>\n<p>There\u2019s no getting around it\u2014retirement accounts of any kind have a lot of details. But you\u2019re scrappy\u2014you\u2019ve got this! And you don\u2019t have to do it solo. Get with an investment professional like a SmartVestor Pro to lay out a retirement plan for your situation. Our\u00a0SmartVestor program\u00a0makes it easy to find a pro who can help you create a retirement plan with your goals in mind.\n    <\/p>\n<p>\u00a0\n    <\/p>\n<\/p><\/div>\n<div>\n<p><em>This article provides general\u00a0guidelines about investing\u00a0topics. Your situation may be\u00a0unique. To discuss a plan for your situation, connect with a\u00a0SmartVestor<\/em><em>\u00a0Pro.\u00a0Ramsey\u00a0Solutions is a paid, non-client\u00a0promoter of\u00a0participating Pros.\u00a0<\/em><\/p>\n<\/p><\/div>\n<p>Read the full article <a href=\"https:\/\/www.ramseysolutions.com\/retirement\/what-is-a-SEP-IRA\" target=\"_blank\" rel=\"noopener\" rel=\"nofollow\">here<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Look at you! You\u2019re either kicking butt as your own boss or you\u2019re killing it as an employee of a small business. In either role, you\u2019re the backbone of the American economy. Market chaos, inflation, your future\u2014work with a pro to navigate this stuff. So, you\u2019ve got your business plan in place and you know<\/p>\n","protected":false},"author":1,"featured_media":23917,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[55],"tags":[],"class_list":{"0":"post-23916","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-news"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What Is a SEP IRA? | IncrediPros<\/title>\n<meta name=\"description\" content=\"Look at you! You\u2019re either kicking butt as your own boss or you\u2019re killing it as an employee of a small business. 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