United States
Contribute up to 25% of your income, with a maximum of $70,000 annually in 2025, nearly 10 times higher than traditional IRAs.
A SEP IRA flexes with your business. Contribute more during profitable years and scale back when needed.
Save on taxes now with tax-deferred growth until retirement.
Your money is invested in ETFs powered by State Street, one of the world’s largest asset managers.
Every customer works with a BeeKeeper, a dedicated support manager who knows you by name, not account number.
Start your SEP IRA with any amount that works for you. No minimum balance requirements means you can begin securing your retirement today, not someday.
Individuals seeking retirement planning options without an existing employer-sponsored plan.
Freelancers and independent contracts looking to maximize retirement savings
Self-Employed or Sole Proprietor business owners with variable income who need contribution flexibility
Businesses with multiple employees, as our SEP IRA is only available to self-employed individuals or single person businesses.
Those seeking Roth (after-tax) contributions
Those 50+ who want to make catch-up contributions, as SEP IRAs don’t allow them.
You've worked hard to build your business. Now let PensionBee help you build a retirement plan that works just as hard for your future. With higher contribution limits, potential tax advantages, and simplified management, a SEP IRA with PensionBee could be the retirement solution your business needs.
You get a dedicated BeeKeeper—your own personal support manager who helps from start to finish, so you’re never alone.
Your BeeKeeper will help you rollover your old 401(k)s and IRAs into a PensionBee IRA. Whether you choose a Traditional IRA, a Roth IRA, or both, we make it easy to bring your retirement savings together in one PensionBee account—so everything’s in one place and simpler to manage.
Your savings are invested in diversified portfolios of ETFs powered by State Street, one of the world's largest asset managers with over $4 trillion under management.
Manage your entire retirement portfolio through one intuitive dashboard. No complex paperwork, or juggling different providers. Your BeeKeeper helps you implement your retirement plan with minimal effort on your part.
Contributions to your SEP IRA may be tax-deductible, potentially reducing your current taxable income by up to $70,000 annually (the 2025 SEP IRA contribution limit). You don’t pay taxes on earnings within your SEP IRA until you withdraw them, but withdrawals before age 59½ may be subject to taxes and a 10% early withdrawal penalty.
Unlike some retirement plans that require consistent contributions, a SEP IRA gives you the freedom to adjust your contributions based on your business performance. Contribute more during profitable years and less during challenging times.
What is a SEP IRA and who is it designed for?
What do I need to know about contributions?
Who is eligible to participate in a PensionBee SEP IRA?
What is the contribution deadline for a SEP IRA?
Can I rollover other retirement accounts into my PensionBee Account?
Why do I need to complete a Form 5305?
How is a SEP IRA different from a Traditional IRA or a Roth IRA?
When should I establish and fund my SEP IRA plan?
Can I contribute to both a SEP IRA and other retirement accounts?
Do I have to contribute the same amount every year to my SEP IRA?
What are the rules for withdrawing from a SEP IRA plan?
What if I already have a SEP IRA?
Roll over all your old 401(k)s into a PensionBee Individual Retirement Account (IRA). It takes just a few minutes to sign up.
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Your investment can go down as well as up.
