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SEP IRAs vs. Solo 401(k)s: What Small-Business Owners Should Know
Expert Opinion August 26, 2025 at 03:02 PM
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What You Need To Know
- Small-business owners who establish solo 401(k)s can contribute to those accounts as both employer and employee.
- SEP IRAs can be established by any business but allow only employer-side contributions.
- The ability to max out annual plan contributions is often a significant factor when choosing between the accounts.
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