SEP Plans

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Advantages of a SEP Plan

  • Low cost

  • Employer contributions are deductible business expenses

  • Flexible contribution limits; you decide how much to contribute

  • Annual contributions are not required

  • Easy setup and administration

  • Minimum paperwork; no complex IRS reporting

  • 2026 Employer Annual Contribution Limit: Lesser of 25% of the participant’s compensation or $72,000

A SEP IRA may not be appropriate for employers who do not want to contribute to their employees' accounts or for those looking for a loan option in the plan. 

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