SEPs

A retirement option ideal for small business owners and self-employed individuals.

What is a SEP IRA?

SEP IRA stands for Simplified Employee Pension Plan. This account is a type of traditional IRA that offers business owners with one or more employees and individuals with freelance income a simpler way to carry retirement accounts.

How does it work?

Employers make direct contributions to the employee's account without all of the paperwork. Employees can also make their individual IRA contribution to their SEP IRA, and like a traditional IRA, the money is not taxable until withdrawn.

Benefits:

High contribution limits
Taxes are deferred until withdrawn
Simple and easy to set up
Employers are not required to contribute every year

Meet Your Advisor

Note: Distributions from SEP IRAs prior to age 59½ may be subject to a 10% IRS penalty. Consult your tax advisor.

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Located at: 631 Juliana Street, Parkersburg, WV 26101

Securities and insurance products are offered through Cetera Investment Services LLC (doing insurance business in CA as CFG STC Insurance Agency LLC), member FINRA/SIPC. Advisory services are offered through Cetera Investment Advisers LLC. Neither firm is affiliated with the financial institution where investment services are offered.

Investments are: *Not FDIC/NCUSIF insured *May lose value *Not financial institution guaranteed *Not a deposit *Not insured by any federal government agency.

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