> Self-Employed

SIMPLE IRAs
A SIMPLE IRA is an employer sponsored plan where plan contributions are made to a participating employees IRA. The tax-deferred contributions are higher than a traditional or Roth IRA.

IRA 101 - Payroll Deduction IRA
The Payroll Deduction IRA was created in 1997 as an option for employers to offer their employees who wanted to save toward their retirement. Payments to the Payroll Deduction IRA are made through a payroll deduction, just the same as other benefit deductions.

SEP-IRA Basics
A SEP-IRA (Simplified Employee Pension) is a retirement plan that is available to self-employed individuals and small businesses. A SEP-IRA is a written plan that allows a self-employed person to contribute towards his/her retirement and to contribute towards employee’s retirements without the complexity of other plans.

Keogh Plans
A Keogh or HR 10 plan is a tax-deferred retirement savings plan for self-employed individuals. It works much like any qualified plan such as defined benefit, money purchase, or profit sharing plans.

Retirement Plans for the Self-Employed and Small Businesses
Just because you are self-employed or the owner of a small business doesn't mean you can't take advantage of a tax-deferred retirement plan. There are several plans for both you and your employees. You can contribute to a retirement plan whether you have a sole-proprietorship, S or C corporation, partnership, or an LLC.

Contribution and Compensation Limits on SEP-IRAs
If you have a SEP-IRA, there are contribution and compensation limits you must follow. Each year these limits can change so you need to keep up to date with these changes.

SEP IRA Calculator
This worksheet from Fidelity Investments will help you calculate your annual contribution to your SEP-IRA.