The best retirement plan for small businesses

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Why Go SEP?

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By Self-Directing your SEP IRA with IRA Financial, you can invest in almost anything you want including real estate, precious metals, cryptos, private businesses and so much more.

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Invest in Your Future

A Self-Directed SEP IRA is a pure profit-sharing plan allowing any sole proprietor or business owner the ability to save up to $69,000 in 2024.

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High Contribution Limits

Save and generate up to $69,000 in tax deductions for 2024. Gain the ability to save in pre-tax or Roth.

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No Annual IRS Administration

As custodian of your self-directed SEP IRA, IRA Financial is responsible for all IRS reporting. Invest and save without the burden of annual IRS reporting.

Eligibility Requirements

To be eligible to establish a SEP IRA you need to have a business. The business can be a sole proprietorship, LLC, or a corporation. Also, only employees that have been working at the business for 3 of the last 5 years are required to be offered SEP IRA benefits.

Limitless Investment Opportunities

There are only three things you cannot invest in with a SEP IRA: life insurance, collectibles and any transaction involving a "disqualified person"

Roth or Traditional

Choose from a traditional (pretax) plan and receive an upfront tax deduction or a Roth (after-tax) plan and enjoy tax-free distributions

The SEP IRA Process

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Complete your application

Once completed, it will go into a queue to be reviewed (generally, 3-5 days).

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Application is reviewed

Your application is reviewed to ensure everything is filled out correctly

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Account number assigned

Once you application is approved, an account number is assigned and emailed to you (an additional 3-5 days).

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Fund your account

You can now fund your SEP IRA via transfer, rollover, or direct contribution.

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Start investing

Once your SEP IRA is funded, you can begin making investments!

The IRA Financial Difference

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24,000+ clients

Our tax and ERISA experts have helped over 24,000 clients in all 50 states.

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No hidden fees

No transaction or asset value fees. No minimum balance requirement (with credit card on file).

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Serve as your custodian

IRA Financial holds over $3.2 Billion in alternative assets.

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IRA Financial’s founder, Adam Bergman, is the author of eight books on self-directed retirement.

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Dedicated support

Get direct access to a self-directed retirement expert to establish your SEP IRA.

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Use our app to setup and maintain your account.

Self employed

Ready to Get Started?

What Type of Account is Right for You?

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Choose your Self-Directed retirement account

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