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IRA PLANS

Build the Retirement You Deserve with a SEP IRA

Maximize your retirement with our SEP IRA for small business owners—enjoy higher contributions, reduce your tax burden, and leverage both alternative assets and AI-powered investing tailored to your business goals.

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  • Contribute up to $72,000 with
    Tax Advantages
  • Optional Mega Backdoor Roth Component
  • No Annual Tax Filing Required

Why a SEP IRA at IRA Club SBS?

  • Up to $72,000 of employer contributions with tax advantages - including a Mega Backdoor Roth
  • Flat fees with transparent pricing - no hidden charges
  • Ability for investing in alternative assets for a diversified portfolio
  • Low-Cost AI trading platform at your team’s fingertips

Plan Benefits

  • Payroll integration with most providers
  • Record keeping & government filing
  • Ongoing Compliance testing
  • Employee onboarding & education
  • Alternative investment options available
  • Reliable, human support is just a phone call away

Lead Your Team Forward with Protected AI Investing

Empower your employees with access to an AI-powered investing platform built to protect and grow wealth, at a cost that’s up to 6x lower than the industry standard.

Get Started >
for $950/ annually + $40 annually per active participant
Wealth Manager Robo Advisor Online Broker
Investments managed with AI ✓ ✓
Can choose market index strategy ✓ ✓ ✓
Low minimum investment ($500) ✓ ✓
Ability to pay 0% in fees ✓ ✓
Built with protection in mind ✓ ✓
Intuitive online experience ✓ ✓ ✓
Choose individual stocks or ETFs ✓ ✓ ✓

Invest in Alternative Assets with a SEP IRA

Diversify your SEP IRA with alternative assets like real estate, private placements, and more, investing in what you know and understand to build a strategy aligned with your expertise and goals— for $395/annually + $195 per asset holding. 

Real Estate

Private Lending

Syndications

Cryptocurrency

Private Placement

Precious Metals

What SEP IRA plans are available through IRA Club SBS?

Whether you want a straightforward setup or greater flexibility with your retirement funds, IRA Club SBS offers solutions for investors of every experience level and business size.

Custodial SEP IRA

A SEP IRA plan designed for self-employed individuals and small business owners, offering larger contributions and minimal administrative requirements.
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SEP IRA with Checkbook Control

A SEP IRA plan fit for self-employed individuals and small businesses that want greater autonomy and flexibility in managing their retirement funds.
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Connect with Your Payroll Provider

Find my payroll provider
ADP
Paycor
Gusto
Quickbooks
Paylocity
Square
Deel
Rippling
Justworks
BambooHR
Patriot
TriNet
Paychex Flex
Remote
Xero
Wave Payroll
UKG
Dayforce
Workday
Toast
Can’t find your payroll provider? Give us a call

Frequently Asked Questions

What is a SEP IRA and how does it work for small businesses?

A SEP IRA (Simplified Employee Pension Individual Retirement Account) is a tax-advantaged retirement plan designed for self-employed individuals and small business owners. Employers make tax-deductible contributions to employee accounts, including their own, with flexible annual contribution amounts and minimal administrative requirements. 

Any business owner, including sole proprietors, partnerships, LLCs, S corporations, and C corporations, can establish a SEP IRA. It’s ideal for businesses with few or no employees, but is also available to companies with any number of employees. Contact our onboarding specialist at IRA Club SBS here.

For 2026, employers can contribute up to 25% of each eligible employee’s compensation, up to a maximum of $72,000 per person.

Yes, all employer contributions to a SEP IRA are tax-deductible, reducing the business’s taxable income. Earnings in the account grow tax-deferred until withdrawal.

No, only employers can make contributions to SEP IRA accounts. Employees cannot make their own salary deferral contributions, but they can have other IRAs for personal contributions.

SEP IRAs offer high contribution limits, flexible annual funding, immediate vesting for employees, easy setup, low administrative costs, and no annual IRS filing requirements for the employer. 

Employers must contribute the same percentage of compensation to each eligible employee’s SEP IRA, including their own account. Contributions must be nondiscriminatory and based only on the first $360,000 of compensation for 2026.

SEP IRAs offer a wide range of investment options, enabling you to tailor your investment strategy to your specific goals and risk tolerance. You can invest in traditional assets like stocks, bonds, ETFs, and even A.I Trading portfolios powered by iFlip.

Additionally, alternative investments such as real estate, private equity, precious metals, cryptocurrencies, tax liens, and private loans are permitted. IRA Club SBS is not licensed to provide investment or structuring advice or make recommendations; employees must find their own alternative investments and conduct their own due diligence. See “alternative investing” for details.

A SEP IRA can be established and funded by the business’s tax filing deadline, including extensions—usually April 15 or October 15 if an extension is filed.

Withdrawals before age 59½ are subject to income tax and a 10% early withdrawal penalty. Required minimum distributions must begin at age 73.

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