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Simplified Employee Pension (SEP) IRAs are a popular employer plan for self-employed individuals.


SEP IRAs offer significantly higher contribution limits than individual plans like Traditional and Roth IRAs.


SEP IRAs can acquire alternative assets such as real estate, precious metals, private equity, and more!

Funding Your Self-Directed SEP IRA

A SEP IRA account holder has the ability to fund a SEP IRA with annual contributions, transfers from other IRAs, and Employer Plan Rollovers. With a SEP IRA, you can choose the percentage of contribution for any given year (0-25% of earned income) for yourself and your staff. The only requirement is that the contribution percentage, in any year, be the same for each employee.

NOTE: NDIRA provides SEP IRAs for any account holder that already has a SEP IRA or self-employed persons who would like to establish a new SEP IRA.

Self-Directed IRA Educational Videos

Foundations of Self-Directed IRAs

Start with the basics and explore this retirement account introduction. Learn how retirement plans can participate in a variety of investments, including real estate, precious metals, and more. This presentation is geared toward beginners and those who are just getting started with retirement plans.
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What are the Benefits of a SEP IRA for the Self Employed?

  • A self-directed SEP IRA does not have the start-up and operating costs of a conventional 401(k) or profit sharing employer plan.
  • It allows for a tax-deductible contribution of up to 25% percent of each employee’s pay.
  • Your business pays no taxes on investment earnings.
  • You don’t want to be locked into making contributions every year.
  • You’d like a plan with low administrative costs.
  • It can be used to invest in a wide variety of assets including real estate, precious metals, public and private stock, notes, and more!

It's Easy to Invest for Retirement with a SEP IRA for an Employee

Note: New Direction IRA only offers SEP IRAs to self-employed persons.
Step 1 Open a SEP IRA account with New Direction IRA.
Step 2 Put money in that IRA by rolling money over from an old 401(k), transferring from another IRA, and/or making a contribution.
Step 3 Buy real estate, precious metals, private equity, loans, and more!

Learn more about SEP IRA Contribution and SEP IRA Distribution.

For more detailed information, feel free to Contact Us.