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Retirement

What is a SEP-IRA?

Quick Answer

A SEP-IRA (Simplified Employee Pension) lets self-employed people and small employers contribute up to 25% of compensation to a Traditional IRA, capped at $70,000 in 2025. There is no employee deferral and no Roth option.

SEP-IRA contribution model — employer-only contributions up to 25% of compensation.
Warren Team
Updated April 26, 2026
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Important Disclaimer:

The information provided is for educational purposes only and should not be considered as personalized financial advice. Warren is a registered investment advisor. Past performance does not guarantee future results. Please consult with a qualified financial advisor before making investment decisions.

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