You Built Your Business. Now Build Your Fortress.
Higher contribution limits. More control. Real gold backing your retirement.
Get Your Free Consultation- 1No employer match or pension to rely on
- 2Business income fluctuates year to year
- 3Need flexible contribution options
- 4Want assets separate from business risks
- SEP IRA allows up to $69,000/year (2024) contributions
- Solo 401(k) offers even more flexibility
- Separate your retirement from business volatility
- Tax deductions reduce your self-employment tax burden
Self-employed individuals have the best retirement options. A SEP Gold IRA lets you contribute up to 25% of net self-employment income (max $69,000). In good years, max it out with gold. In lean years, contribute less. This flexibility is your superpower.
Questions From Self-Employed
SEP IRA vs Solo 401(k) for gold—which is better?
Both work for Gold IRAs. SEP IRAs are simpler to set up but only allow employer contributions. Solo 401(k)s allow both employee and employer contributions, potentially allowing you to save more. If you have employees, a SEP is often easier.
Can I contribute irregular amounts?
Absolutely! Unlike some retirement plans, SEP IRAs don't require consistent contributions. You can max out in profitable years and skip contributions in lean years—perfect for variable business income.
How does this affect my business taxes?
SEP IRA contributions are tax-deductible, reducing your self-employment tax burden. Contributing $50,000 to a SEP Gold IRA could save you $15,000+ in taxes depending on your bracket.
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