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A Simplified Employee Pension Plan, or SEP-IRA, is a tax advantaged retirement plan that allows employers to make pretax contributions to their own or their employees' accounts. Earnings in a SEP-IRA grow tax-deferred. Contributions to a SEP-IRA do not impact a participant's ability to contribute to a traditional or Roth IRA.

A SEP-IRA provides the benefits of a company-sponsored retirement program without the administrative expense, government reporting requirements, and complexity associated with many other types of retirement plans. These plans were specifically designed for:

  • Self-employed individuals
  • Sole proprietors
  • Independent contractors
  • Partnerships
  • Small corporations, including S corporations

Determine Your Contribution



For more information on establishing a SEP-IRA Plan, learn more online or call our Retirement Plan Specialists at 1-800-359-3379.

  • Not FDIC Insured
  • No Bank Guarantee
  • May Lose Value

Wells Fargo Advantage Funds

  • Individual Investors · 1-800-359-3379
  • Investment Professionals · 1-888-877-9275
  • Institutional Sales Professionals · 1-866-765-0778

Next Steps

Our PlanSelector tool will help you define your objectives and identify which types of retirement plans best meet your goals.

For more information on the plans we offer, contact our Investment Specialists at 1-800-359-3379, or request an application kit today.

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