Skip Navigation

Empower Your Retirement with a SEP IRA

Simple, tax-advantaged retirement savings for self-employed professionals and small business owners.

  • Contribute up to $70,000 annually
  • Invest in alternative assets like real estate, gold, crypto, and private equity
  • Transparent, flat-fee pricing with no asset-based charges
  • Work directly with experienced, self-directed retirement specialists

Make investment decisions you control. See if you prequalify for an account in just 90 seconds.

Step 1 of 7

This is a secure form

What is a SEP IRA?

A SEP IRA (Simplified Employee Pension) is a retirement savings plan designed for self-employed individuals and small business owners, offering a simple and tax-advantaged way to contribute to retirement.

Unlike a SIMPLE IRA, contributions are made by the employer only and are tax-deductible, helping reduce taxable income. When self-directing your SEP, you have the ability to invest in a wide range of alternative assets, such as real estate, private equity, cryptos, and more.

SEP IRAs are easy to set up and have low administrative requirements, making them an attractive option for businesses of all sizes.

Eligibility

Anyone who is self employed or owns a business.

Annual Contribution Limit

Up to 25% of your compensation or $70,000, whichever is less.

Contributions Requirements

Employers must contribute the same percentage of compensation for all eligible employees, including themselves.

Self-Directed SEP IRA Account Details

  • Choose from checkbook or custodian control
  • No asset value fees
  • Guaranteed IRS audit protection
  • Unlimited asset purchases

Checkbook Control

$999

setup fee

$495

annually

Get Started

Custodian Control

$0

setup fee

$495

annually

Get Started

The #1 Self-Directed Retirement Company

IRA Financial, founded in 2010, is a leading provider of self-directed retirement plans and dedicated to helping individuals and business owners invest freely and retire confidently.

Why IRA Financial?

  • Over $5 billion in retirement assets under custody
  • 25,000+ clients across all 50 states
  • 97% client retention rate
  • IRS-compliant platform designed for self-directed investors
  • Expert support from highly trained specialists
Trustpilot

Open Your Self-Directed SEP IRA Account in 3 Easy Steps

See if You Prequalify

Submit the form at the top of this page and apply online

Fund Your Account

Make a contribution or transfer from another IRA account

Choose Your Investments

Pick from any number of alternative asset investments

Get Started Now

See What Our Clients Have to Say

I’m beyond pleased with having my self-directed IRA in your teams capable hands. In a few short months, it’s already proving to be a solid retirement investment vehicle. The fees are insignificant compared to the value. Many thanks.

Ann M. C.

Illinois

The process of setting up my self-directed IRA was quick and painless. There were a lot of forms to be completed, but the customer service at IRA Financial Group is great and they are very quick to respond. I was able to complete my set up quickly and get my funds transferred very quickly. Thanks!

Christy

Virginia

I am extremely pleased with the service and professionalism provided by the IRA Financial Group. I don’t think you can find a better firm to handled Self Directed IRA accounts. Keep up the great work and I will always do business with you.

Owen S.

Texas

IRA Financial Group was invaluable in setting up my account. They explained all of the details involved with the process and made the entire evolution simple and efficient. If someone is considering a self-directed IRA, IRA Financial Group is the clear choice.

Michael J.

Utah

Ready To Take Control of Your Retirement Savings?

Take control of your retirement by investing in alternative assets like real estate, cryptocurrency, businesses, and more. Start creating wealth today by starting your application.

Get Started with a SEP IRA

Ready to plan for your future?

Take control of your retirement by investing in alternative assets like real estate, cryptocurrency, businesses, and more. Start creating wealth today by opening an account.

Open an account