A 简化雇员退休金(SEP) plan is a business retirement plan that uses Individual Retirement Accounts (爱尔兰共和军s) as the investment vehicle. An employer contributes money into its employees’ Traditional 爱尔兰共和军s, 雇主得到了税收减免, and the contribution is not income to the employee until distributed from the 爱尔兰共和军.
Since Patelco offers business accounts to sole proprietors only, the employer and employee on the SEP 爱尔兰共和军 would be the same individual.
Minimum amount of record keeping required
Self-employed individuals can fully deduct contributions
较小的 25% of an eligible employee’s compensation or $69,000
SEP contributions can be made on behalf of individuals
May contribute to a SEP up to tax-filing due date, plus extensions
SEP Contributions are reported on the year of receipt regardless of the tax year to which the contributions were made
Calculations provided are for demonstration purposes only and do not guarantee credit approval for the rate and terms displayed.
SEP也是传统的爱尔兰共和军. It is a business retirement plan that uses Individual Retirement Accounts (爱尔兰共和军s) as the investment vehicle.
A SEP 爱尔兰共和军 is subject to different contribution limits than a Traditional 爱尔兰共和军.
Once the employer makes a SEP plan contribution to an 爱尔兰共和军, the contribution becomes an 爱尔兰共和军 asset and is subject to all the regular 爱尔兰共和军 rules and regulations. There are several other benefits of SEP plans:
SEP 爱尔兰共和军s are used by small businesses and self-employed individuals to meet their retirement savings needs It’s a great option for many business owners because it does not come with many of the start-up and operating costs of most conventional employer-sponsored retirement plans. Many employers also set up a SEP 爱尔兰共和军 to contribute to their own retirement at higher levels than a traditional 爱尔兰共和军 allows.
Currently we offer business accounts to small proprietors only. We hope to expand into offering additional small business products and services in the future.
Investment products can also be held in an 爱尔兰共和军. We want to help you invest your money wisely. Schedule a complimentary meeting with any of our experienced CUSO Financial Services, L.P. (CFS) 财务顾问.2 We’ll talk with you about your goals and interests, 找出你的财务状况, and get you started on a path that works for you
Learn more about preparing for retirement.
1 Consult tax advisor about 爱尔兰共和军 tax advantages.
2 Non-deposit investment products and services are offered through CUSO Financial Services, L.P. (CFS), a registered broker-dealer (Member 美国金融业监管局/SIPC) and SEC Registered Investment Advisor. 透过中心提供的产品: are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the credit union, and may involve investment risk including possible loss of principal. Investment Representatives are registered through CFS. 帕特尔科信用合作社 has contracted with CFS to make non-deposit investment products and services available to credit union members.
Financial Advisors are registered to conduct securities business and licensed to conduct insurance business in limited states. 应对, 或与…接触, residents of other states will be made only upon compliance with applicable licensing and registration requirements. The information in this website is for U.S. residents only and does not constitute an offer to sell, or a solicitation of an offer to purchase brokerage services to persons outside of the United States.
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