4 Benefits of a SEP IRA


When you are self-employed you have several options in tax sheltered retirement plans. Here are 4 key benefits of using a SEP IRA:

  • You can defer income at a much larger percentage of your pay than through a Traditional IRA.
  • Your investment options run the gambit. You are not limited to 15 – 20 investment options as in a 401K.
  • As a sole proprietor, a SEP allows you the discretion of funding in profitable years and not funding in more difficult years.
  • A SEP also allows for contributions to not be made until tax filing deadline, plus extensions.

Consult a qualified adviser to discuss your specific circumstances. Not all qualified plans have the same provisions and an individual analysis is necessary.


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Always remember that while this is an investor education piece, this does not trigger or relate to trading activity on your account with Financial Future Services. This article is for informational purposes only and not intended as a recommendation. Each investors circumstances are different and a full review of you situation is necessary for a recommendation.

Any and all third-party posts or responses to this blog do not reflect the views of the firm and have not been reviewed by the firm for completeness or accuracy.

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