Simple & SEP IRAs

Contributions must be made by the employer and can vary annually from 0% to 25% of compensation (maximum for 2014 is $52,000).

Every eligible employee much receive the same percentage.

Employers may elect tax deductible, mandatory 3% matching contribution or 2% non-elective contribution.

Maximum contribution for 2014 is 100% of compensation up to $12,000 or $14,500 if aged 50 or older.


 Why might an independent R.I.A. be a good choice for an investor?

  • Independent RIA’s generally have affiliations with a variety of firms that assist with tax planning, estate planning, money management and more. These affiliations allow them to help their clients with complex financial needs.
  • They generally have affiliations that are free from the conflicts of interest you often see at retail brokers, independent broker dealers, or captive insurance agents.
  • The compensation of some independent registered investment advisors is directly related to growing the assets of their clients, which can benefit the advisor and client alike.


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