안녕하세요, 미국변호사/회계사 존청입니다.

“SEP-IRA 시작하려는데 어디서 누구에게 하나요?” 주제로 실제 사례 분석 QnA 영상을 업로드해 드립니다.
영상에서 다루고자 하는 질문이 있다면 이 영상에 댓글로 달아주시거나 QnA 라이브에서 참여해 주시면 선정 후 다음 영상에서 참고하여 반영해 드립니다.

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It’s not too late! We’ll show you all about SEP-IRA starting and the best retirement account enrollment design.

retirement planning can be a daunting task, but putting it off will only make it worse. One of the best ways to ensure a secure retirement is through savings in an Individual retirement account (IRA). Among the different types of IRAs that exist, the Simplified Employee Pension (SEP) is one that can provide great benefits for self-employed individuals or small business owners.

The SEP-IRA is a tax-advantaged retirement account that allows for contributions up to 25% of an employee’s compensation (or 20% of a self-employed individual’s net earnings), up to a limit of $58,000 for 2021. One of the advantages of a SEP-IRA is that contributions are tax-deductible, meaning you can lower your taxable income and increase your savings at the same time.

Now, you might be thinking, “I wish I had started earlier.” But do not worry, it is never too late to start. Even if you are in your 50s or 60s, you can still take advantage of the SEP-IRA.

The first step to opening a SEP-IRA is to find a provider who offers this type of account. Many financial institutions like banks, credit unions or brokerage firms offer them. Once you have selected a provider, you will need to fill out an application form and provide your personal and employment information.

Next, you will need to determine how much you can contribute to the account. Consult with a financial advisor to determine the optimal contribution strategy for your retirement goals and financial situation. You can then set up automatic contributions each year to ensure that you are steadily building your retirement savings.

It is never too late to start thinking about retirement, and the SEP-IRA can be an excellent way to boost your savings. By taking advantage of this tax-advantaged account, you can lower your tax liabilities and increase your retirement income. So start now, and take the first steps towards a secure retirement.