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Though they’re suitable for small businesses with 10 or fewer employees, in practice, most SEP-IRAs (Simplified Employee Pension) are established by self-employed individuals. The plans require minimal paperwork and are easy to administer.
Employer contributions are made before taxes, and both contributions and earnings grow tax-deferred until they are withdrawn (presumably in retirement), at which time they are taxed as ordinary income.
Securities and insurance products are offered through Cetera Investments Services LLC, Member FINRA/SIPC. Advisory services are offered through Cetera Investment Advisers LLC. Neither firm is affiliated with the financial institution where investment services are offered. Investments are: *Not FDIC 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.For a comprehensive review of your personal situation, always consult with a tax or legal Advisor. Neither Cetera, nor any of its representatives may give legal or tax advice. Advisory services may only be offered by Investment Adviser Representatives.