What is a SEP IRA?

John Bowens breaks down things to know about SEP IRAs – a retirement savings option for small business owners and self-employed individuals. Learn how a SEP IRA can help you save for retirement while lowering your taxable income. Whether you’re a freelancer, entrepreneur, or small business owner, this flexible plan could be the retirement solution you’ve been looking for.

Key topics covered:
What a SEP IRA is and how it works
Who qualifies for a SEP IRA
Tax advantages and contribution limits for 2025
Deadlines for setting up and contributing to a SEP IRA
How SEP IRAs compare to SIMPLE IRAs and 401(k)s

Chapters:

01:00 What is a SEP IRA?
01:36 How a SEP IRA Works for Self-Employed Individuals
02:04 Eligibility Requirements for a SEP IRA
03:11 Three Key Benefits of a SEP IRA
05:02 Contribution Limits for SEP IRAs
06:20 SEP IRA Contributions for Employees
06:59 How Employer Contributions Work for Employees
08:03 Controlled Group Rules for Multiple Businesses
08:38 SEP IRA Contribution Deadlines & Tax Advantages

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