Retirement Plan Services

SEP IRA

For self-employed individuals or small-business owners, primarily with only a few employees.

25%

of each eligible employee’s compensation may be contributed by the employer, subject to the annual IRS dollar limit.[1]

100%

of employer contributions are immediately vested, meaning the money belongs to the employee as soon as it is deposited.[2]

84%

of workers say retirement benefits would be a major factor in their decision when choosing an employer.[3]

SEP IRA

A SEP IRA is a flexible retirement plan designed for self-employed individuals, independent contractors, and small-business owners. The employer makes tax-deductible contributions for itself and any eligible employees, with no required annual contribution.[1]

Benefits and Features

  • Designed for self-employed individuals and small businesses
  • Funded entirely through employer contributions
  • Contributions may be adjusted or skipped from year to year
  • Employer contributions may be tax-deductible
  • Investment earnings grow tax-deferred
  • Generally easier and less costly to administer than a conventional retirement plan
  • The same contribution percentage must generally be provided to all eligible employees

Our Role

Global Advisers provides ongoing advice and professional management for the investments held within the plan. Our services include:

  • Establishing an investment strategy
  • Selecting and managing investments
  • Monitoring performance, risk, and expenses
  • Rebalancing accounts when appropriate
  • Helping business owners make informed contribution and investment decisions
  • Coordinating with the account custodian and tax professional

[1] U.S. Department of Labor, SEP Retirement Plans for Small Businesses, and Internal Revenue Service, Simplified Employee Pension Plan.

[2] Internal Revenue Service, Retirement Topics—Vesting.

[3] Transamerica Institute, Employers, Workers, and the New World of Work, 202

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Get Started

Ready to open a SEP IRA?

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800.832.8514

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