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Retirement

Who can open a SEP-IRA?

Quick Answer

Any business with self-employment income can open a SEP-IRA — sole proprietors, single-member LLCs, partnerships, S-corps, C-corps. Side-gig income counts. Eligible employees age 21+ earning $750+ in 3 of the last 5 years must be included.

Eligibility checklist for opening a SEP-IRA.
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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