COMING SOON

SEP IRA

High-Limit Retirement Savings for the Self-Employed

Save more for retirement with a Simplified Employee Pension plan. Designed for self-employed professionals and small business owners who want higher contribution limits and alternative asset access.

Simple to set up. Powerful for your future.

Simple to set up. Powerful for your future.

A SEP IRA combines the simplicity of an IRA with contribution limits that go well beyond what a Traditional or Roth IRA allows. If you’re self-employed or run a small business, a SEP IRA from Retired.com lets you contribute more each year and invest in alternative assets.

A SEP IRA combines the simplicity of an IRA with contribution limits that go well beyond what a Traditional or Roth IRA allows. If you’re self-employed or run a small business, a SEP IRA from Retired.com lets you contribute more each year and invest in alternative assets.

Higher Contribution Limits

Higher Contribution Limits

SEP IRAs allow employer contributions of up to the lesser of 25% of compensation or the annual IRS limits, which are well above standard IRA caps.

SEP IRAs allow employer contributions of up to the lesser of 25% of compensation or the annual IRS limits, which are well above standard IRA caps.

Simple Administration

Simple Administration

No complex plan documents or annual filings required for most SEP IRA plans. Easy to establish and maintain.

No complex plan documents or annual filings required for most SEP IRA plans. Easy to establish and maintain.

Alternative Asset Access

Alternative Asset Access

Invest in real estate, crypto, private equity, precious metals, and more, not just traditional market assets.

Invest in real estate, crypto, private equity, precious metals, and more, not just traditional market assets.

$12B+

$12B+

Assets Under Custody

Assets Under Custody

250K+

250K+

Community Members

Community Members

★★★★★

4.7 / 5

4.7 / 5

rating

rating

COMING SOON

1. Open an Account

Sign up online and establish your SEP IRA. Fast, fully digital, and secure.

2. Fund Your Account

Make employer contributions or roll over an existing retirement account. Multiple funding options are available.

3. Choose Your Investments

Invest in the alternative assets that fit your strategy. Our team supports you every step of the way.

Top Benefits of Retired.com’s Solo 401(k)

Maximize Savings

Contribute well beyond standard IRA limits. SEP IRA contribution caps are among the highest available for retirement accounts.

Expert Support

Real retirement specialists available to guide you through setup and getting started. Not bots, not FAQs.

Flexible Contributions

Contributions are discretionary. You can adjust the amount you contribute each year based on your business performance.

Low, Transparent Fees

No hidden charges. You’ll always know exactly what you’re paying.

Employer Contributions

Employer Contributions

Make tax-deductible contributions as the employer. Up to 25% of compensation, subject to IRS annual limits.

Make tax-deductible contributions as the employer. Up to 25% of compensation, subject to IRS annual limits.

Roll Over an Account

Roll Over an Account

Move funds from a 401(k), 403(b), or existing IRA into your SEP IRA without triggering taxes or penalties.

Move funds from a 401(k), 403(b), or existing IRA into your SEP IRA without triggering taxes or penalties.

Transfer an Existing IRA

Transfer an Existing IRA

Already have an IRA? Transfer it to Retired.com to access alternative asset options.

Already have an IRA? Transfer it to Retired.com to access alternative asset options.

Strategies

Your SEP IRA Blueprint, for Free

Wondering how a SEP IRA compares to a Solo 401(k), what the current contribution limits are, or how to invest in alternatives? Explore our resource center for guides built for business owners.

Frequently Asked Questions

What is a SEP IRA?

A Simplified Employee Pension Plan (SEP) IRA is a retirement account that allows self-employed individuals and small business owners to make tax-deductible contributions on behalf of themselves and eligible employees. It functions like a Standard IRA but with significantly higher contribution limits.

Who is eligible for a SEP IRA?

Any self-employed individual, freelancer, independent contractor, or small business owner can establish a SEP IRA. If you have employees, contributions must generally be made for all eligible employees at the same percentage rate.

What are the contribution limits for a SEP IRA?

SEP IRA contributions are limited to 25% of net self-employment income (or compensation, for employees), up to the annual IRS dollar limit. These limits are significantly higher than Traditional or Roth IRA contribution caps.

How is a SEP IRA different from a Solo 401(k)?

Both offer high contribution limits for self-employed individuals, but they differ in structure. A SEP IRA allows only employer contributions, while a Solo 401(k) allows both employee deferrals and employer contributions. A Solo 401(k) also offers a Roth option and a potential loan feature.

What can I invest in with a SEP IRA?

With Retired.com, your SEP IRA can invest in a wide range of traditional and alternative assets, including real estate, cryptocurrency, precious metals, private equity, promissory notes, and more.

What fees are associated with a SEP IRA?

Retired.com charges transparent fees for account administration. There are no hidden charges and no fees to roll over an existing retirement account. Full fee details are provided before you commit.

Is my SEP IRA secure?

Yes. Your assets are held with institutional-grade custody and security protocols. Retired.com partners with leading custodians to keep your retirement investments protected.

Your Future Starts Now. Let’s Build It Together.

Your business works hard. Your retirement plan can too.

Retired.com is a technology platform that connects users with third-party custodians, digital wallet providers cryptocurrency platforms, brokerage providers and banking partners. Retired.com is not a bank, broker-dealer, exchange, custodian, or registered investment advisor, and does not provide investment, legal, or tax advice.

Investment advisory services offered through Retired Advisory, LLC, an SEC- registered investment adviser, pursuant to a written advisory agreement. Securities accounts are carried and cleared by Interactive Brokers LLC, member FINRA/SIPC. Digital asset custody and related services are provided by Digital Trust, LLC. Banking services are provided by participating partner banks. Retired Advisory, LLC, Rocket Dollar Capital, LLC, and Digital Trust, LLC are wholly-owned subsidiaries of Retired.com.

Neither the IRS nor any governmental or regulatory authority has approved or endorsed any investment or transaction available through the platform.

Investing in cryptocurrencies, digital assets, and securities involves substantial risks, including the possible loss of principal. Digital assets are highly speculative, volatile, and may become illiquid or lose value entirely. Investments are not FDIC insured, are not bank guaranteed, and may lose value.

The information provided through the platform is general and educational in nature and should not be construed as legal, tax, investment, or other professional advice. Tax laws and regulations are complex and subject to change. While Retired.com believes the information presented in reliable, it does not guarantee its accuracy, completeness, or timeliness. To the fullest extent permitted by law, Retired.com disclaims liability arising from reliance on such information. Users should consult their own legal, tax, and financial advisers regarding their specific circumstances.

© 2026 Retired.com. All rights reserved.

Retired.com is a technology platform that connects users with third-party custodians, digital wallet providers cryptocurrency platforms, brokerage providers and banking partners. Retired.com is not a bank, broker-dealer, exchange, custodian, or registered investment advisor, and does not provide investment, legal, or tax advice.

Investment advisory services offered through Retired Advisory, LLC, an SEC- registered investment adviser, pursuant to a written advisory agreement. Securities accounts are carried and cleared by Interactive Brokers LLC, member FINRA/SIPC. Digital asset custody and related services are provided by Digital Trust, LLC. Banking services are provided by participating partner banks. Retired Advisory, LLC, Rocket Dollar Capital, LLC, and Digital Trust, LLC are wholly-owned subsidiaries of Retired.com.

Neither the IRS nor any governmental or regulatory authority has approved or endorsed any investment or transaction available through the platform.

Investing in cryptocurrencies, digital assets, and securities involves substantial risks, including the possible loss of principal. Digital assets are highly speculative, volatile, and may become illiquid or lose value entirely. Investments are not FDIC insured, are not bank guaranteed, and may lose value.

The information provided through the platform is general and educational in nature and should not be construed as legal, tax, investment, or other professional advice. Tax laws and regulations are complex and subject to change. While Retired.com believes the information presented in reliable, it does not guarantee its accuracy, completeness, or timeliness. To the fullest extent permitted by law, Retired.com disclaims liability arising from reliance on such information. Users should consult their own legal, tax, and financial advisers regarding their specific circumstances.

© 2026 Retired.com. All rights reserved.

Retired.com is a technology platform that connects users with third-party custodians, digital wallet providers cryptocurrency platforms, brokerage providers and banking partners. Retired.com is not a bank, broker-dealer, exchange, custodian, or registered investment advisor, and does not provide investment, legal, or tax advice.

Investment advisory services offered through Retired Advisory, LLC, an SEC- registered investment adviser, pursuant to a written advisory agreement. Securities accounts are carried and cleared by Interactive Brokers LLC, member FINRA/SIPC. Digital asset custody and related services are provided by Digital Trust, LLC. Banking services are provided by participating partner banks. Retired Advisory, LLC, Rocket Dollar Capital, LLC, and Digital Trust, LLC are wholly-owned subsidiaries of Retired.com.

Neither the IRS nor any governmental or regulatory authority has approved or endorsed any investment or transaction available through the platform.

Investing in cryptocurrencies, digital assets, and securities involves substantial risks, including the possible loss of principal. Digital assets are highly speculative, volatile, and may become illiquid or lose value entirely. Investments are not FDIC insured, are not bank guaranteed, and may lose value.

The information provided through the platform is general and educational in nature and should not be construed as legal, tax, investment, or other professional advice. Tax laws and regulations are complex and subject to change. While Retired.com believes the information presented in reliable, it does not guarantee its accuracy, completeness, or timeliness. To the fullest extent permitted by law, Retired.com disclaims liability arising from reliance on such information. Users should consult their own legal, tax, and financial advisers regarding their specific circumstances.

© 2026 Retired.com. All rights reserved.