SEP IRA

Own your retirement

Set yourself on the right track, right from the start with a retirement account that uses low-cost mutual funds and rebalances automatically.

A retirement account for the self-employed

SEP stands for Simplified Employee Pension. SEP IRAs are popular retirement accounts for self-employed individuals and other small business owners.

  • retirement account for the self-employed

    Contribute up to $70,000

    Add money when it’s convenient—up to 25% of your annual compensation, capped at $69,000 for 2024 and $70,000 for 2025.1

  • Help offset your income taxes

    Help offset your income taxes

    Your contributions are tax-deductible so you can reduce your tax liability for the year you contribute.

  • lower investment fees

    Shorten your to-do list

    They require minimal paperwork, minimal administrative tasks, and no annual DOL reporting requirements.2

Want to compare a SEP IRA and 401(k)?

See our side-by-side comparison

Guideline SEP IRA: built for long-term growth

  • .15%

    Low-cost funds

    The estimated total cost for our managed portfolios can be under 0.15%4
  • $ 0

    No transaction fees

    We won’t nickel and dime your account. We don’t charge fees for distributions, rollovers and more.
  • Intelligent investing

    Intelligent investing

    Our investment portfolios rebalance automatically to help you stay on track for retirement. Learn more

SEP IRA pricing

$8/monthly base fee + 0.08% annual account fee3

This account fee comes out to 67¢ a month for every $10,000 saved5.

If you are an employer, each employee, including yourself, is charged the same base and account fees. We don’t charge employers a separate fee for opening or funding a SEP IRA.

Save for retirement with confidence

Set up your account in minutes, then use our tools, expertise and support to create your roadmap to retirement.

  • Investment portfolio recommendations
  • Comprehensive Help Center articles
  • Live support via phone or email

Chart is for illustrative purposes only. It doesn't represent any specific client account.

Guideline SEP IRA dashboard visual
Guideline SEP IRA dashboard visual

Guideline at a glance

  • 60k+

    businesses

  • $15B+

    invested for retirement on our platform6

  • Forbes

Invest in yourself and your business

Let’s get started

Frequently asked questions