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A retirement option ideal for small business owners and self-employed individuals.

What is a SEP IRA?

SEP IRA stands for Simplified Employee Pension Plan. This account is a type of traditional IRA that offers business owners with one or more employees and individuals with freelance income a simpler way to carry retirement accounts.

How does it work?  

Employers make direct contributions to the employee's account without all of the paperwork. Employees can also make their individual IRA contribution to their SEP IRA, and like a traditional IRA, the money is not taxable until withdrawn.


  • High contribution limits
  • Taxes are deferred until withdrawn
  • Simple and easy to set up
  • Employers are not required to contribute every year

Meet Your Advisor

Note: Distributions from SEP IRAs prior to age 59½ may be subject to a 10% IRS penalty.  Consult your tax advisor.  Neither Cetera Investment Services, nor any of its representatives may provide tax advice.

Contact a Community Brokerage & Investment Services financial advisor to get started today.

Securities and insurance products are offered through Cetera Investment Services LLC, member FINRA/SIPC. Advisory Services are offered through Cetera Investment Advisers  LLC. Cetera is not affiliated with the financial institution where investment services are offered. Investments are: * Not FDIC/NCUSIF insured * May lose value * Not financial institution guaranteed * Not a deposit * Not insured by any federal government agency. Advisory services may only be offered by Investment Adviser Representatives.. 

This site is published for residents of the United States only. Registered Representatives of Cetera Investment Services LLC may only conduct business with residents of the states and/or jurisdictions in which they are properly registered. Not all of the products and services referenced on this site may be available in every state and through every advisor listed. For additional information please contact the advisor(s) listed on the site, visit the Cetera Investment Services LLC site at

Registered Branch Address 

631 Juliana Street, Parkersburg WV 26101

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