10/07/2025
A Simplified Employee Pension Individual Retirement Account (SEP IRA) is a retirement savings plan designed specifically for self-employed individuals and small business owners.
With an SEP IRA, you can contribute up to 25% of your income (up to $70,000 for 2025). Contributions are tax-deductible, lowering your taxable income and funds grow tax-deferred until you withdraw them in retirement.
Example:
If you earn $300K, contributing the maximum $70K to a SEP IRA saves $35,000 (assuming 35% federal + 15.3% self-employment tax). Plus, your money grows for the future!
How to Open a SEP IRA:
✅Traditional Brokerage Account: Open one with major financial institutions for standard investment options (stocks, bonds, mutual funds).
✅Self-Directed SEP IRA: Want more control? A self-directed SEP IRA lets you invest in alternative assets like:
⭐ Real estate
⭐ Lending
⭐Private businesses
⭐ Precious metals
⭐ Cryptocurrency
Why Choose Self-Directed?
1️⃣ Diversify your retirement portfolio beyond traditional stocks and bonds.
2️⃣Potentially higher returns by investing in industries or areas you understand well.
DM us or drop a comment below to learn how we can help you implement this strategy in your business! 📩📈