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IRA PLANS

Grow Your Retirement with a SIMPLE IRA

Help your team save more with higher limits and employer matching. Our SIMPLE IRA combines easy setup with smart AI investing—making retirement simple for your small business. 
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  • $17,000 Employee
    Deferral Limit
  • Start-Up Tax Credits
  • Employer Contribution
    Flexibility

Why a SIMPLE IRA at IRA Club SBS?

  • Employee deferral limits are $17,000 for most plans and $18,100 for plans with 25 or fewer employees
  • 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.

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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 SIMPLE IRA

Diversify your portfolio 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.

Real Estate

Private Lending

Syndications

Cryptocurrency

Private Placement

Precious Metals

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

Can’t find your payroll provider? 
Give us a call

Frequently Asked Questions

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

A SIMPLE IRA (Savings Incentive Match Plan for Employees) is a retirement plan designed for businesses with 100 or fewer employees. Both employers and employees can contribute, with employers required to make either matching or non-elective contributions. The plan is cost-effective and helps employees save for retirement with tax advantages.

Businesses with 100 or fewer employees who earned at least $5,000 in any two previous years are eligible to set up a SIMPLE IRA. Employees who meet the $5,000 earnings threshold can participate.

For 2026:

  • Standard Employee elective deferral limit: $17,000

  • Plans with 25 or fewer employees: $18,100

  • Catch-up contribution (age 50 – 59; 64+): $4,000

  • “Super” Catch-up (age 60 – 63): $5,250


Employers must either match employee contributions up to 3% of compensation or make a 2% non-elective contribution for each eligible employee.

Employers can choose to match employee contributions dollar-for-dollar up to 3% of each employee’s salary or contribute 2% of each eligible employee’s salary regardless of whether the employee contributes.

SIMPLE IRAs are easy and inexpensive to set up, require no annual IRS filing on the employer’s part, provide tax-deductible employer contributions, and help attract and retain employees with a valuable retirement benefit.

Employees elect to have a portion of their salary automatically deducted and contributed to their SIMPLE IRA on a pre-tax basis, reducing their taxable income for the year.

At IRA Club SBS, our systems integrate with iFlip, a protected AI-powered investing platform that adapts to today’s unpredictable markets, letting you and your team invest confidently without timing the market or paying high advisor fees.

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.

Employee contributions are made pre-tax, reducing taxable income. Employer contributions are also tax-deductible as a business expense.

Withdrawals before age 59½ are subject to income tax and a 10% penalty. If withdrawn within the first two years of participation, the penalty increases to 25%.

You can establish a SIMPLE IRA by completing IRS Form 5304-SIMPLE or 5305-SIMPLE. The process is straightforward, with minimal paperwork and no annual IRS filing requirement for the employer. Contact our onboarding specialist at IRA Club SBS here.

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