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简化雇员退休金(SEP) 爱尔兰共和军

Get tax-deferred savings as a small business owner1


a是什么? SEP 爱尔兰共和军?

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.

9月的好处

易于管理

Minimum amount of record keeping required

税收优惠

Self-employed individuals can fully deduct contributions

更高的供款限额

较小的 25% of an eligible employee’s compensation or $69,000

没有年龄限制

SEP contributions can be made on behalf of individuals

日后供款日期

May contribute to a SEP up to tax-filing due date, plus extensions

灵活性

SEP Contributions are reported on the year of receipt regardless of the tax year to which the contributions were made

爱尔兰共和军 计算器

Calculations provided are for demonstration purposes only and do not guarantee credit approval for the rate and terms displayed.

常见问题

  • 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:

    • Total SEP contributions cannot exceed $69,000 for 2024
    • Contributions made by the employer are always 100 percent vested
    • SEP plans may make contributions on behalf of eligible participants at any age starting in 2020
    • Because SEP plan contributions become the employee’s 爱尔兰共和军 assets, these SEP 爱尔兰共和军 assets may generally be transferred in the same manner as 爱尔兰共和军 assets resulting from regular 爱尔兰共和军 contributions

    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.

我们会帮你规划退休生活

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

我们会帮你积攒退休金
Get tax-advantaged earnings for your small business with a SEP 爱尔兰共和军.

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)和美国证券交易委员会注册投资顾问. 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. 本网站的资料只供美国政府使用.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.

Certified Financial Planner Board of Standards Inc. 拥有CFP认证标志®, Certified Financial Planner™ and federally registered CFP (with flame design) in the U.S., which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.

比较

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