The Highest Rated
Self-Directed SEP IRA
Madison Trust offers the industry's highest-rated, secure and simple-to-implement Self-Directed SEP IRA. We'll help you get going with easy account setup, a transparent fee schedule, and CISP-trained specialists to answer your questions. Join our happy family of thousands of employers who are doing it right.
The Madison Trust Advantage
Unmatched Customer Service
We pride ourselves on a customer service experience that’s second to none. When you call, you’ll connect to a live and knowledgeable representative.
Straightforward Fees
Madison Trust works with a simple, transparent fee schedule. Amongst the lowest in the industry, our flat rates help ensure the profitability of your investments.
Industry Leading Knowledge
Every Self-Directed SEP IRA specialist has completed rigorous training. That means that every answer you receive will be financially informed.
1
Open
Open a new Self-Directed SEP IRA account online or over the phone in under 10 minutes
2
Fund
Fund your account from an IRA transfer, rolling over from a 401K, or contributing to your account
3
Invest
Invest in any asset of your choice
See Why Thousands of Clients Trust Us
Madison Trust has been welcome relief from our 2 previous custodians. Private placement makes things even more challenging and they have done a great job in making our transition and ensuing new investments a smooth ride. They know the business and they do a great job in supporting us as clients.
John M.
I just want to write about the great service that I have received for my Self-Directed IRA. Not only did I get great service, but I recommended their services to 5 of my friends. They are very easy to work with, highly professional, catch any of your mistakes on form submission, and contact you promptly.
Taric H.
I needed quite a lot of assistance with my new account with Madison Trust. Emily E. was there for me every step of the way. Always readily available, quick to follow up, clear with instructions, super professional, knowledgeable, and friendly. She is truly an asset to Madison Trust.
Elise M.
Start Investing in Your Future
We know that a Self-Directed SEP IRA may be a new venture for you, but you're in good hands. Our specialists are ready to answer your questions with a free consultation.
You Have Questions. We Have Answers!
Get answers to all of your questions. Our industry-leading specialists will assist you every step of the way.
Disclaimer: All of the information contained in our website is a general discussion for informational purposes only. Madison Trust Company does not provide legal, tax or investment advice. Nothing of the foregoing, or of any other written, electronic or oral statement or communication by Madison Trust Company or its representatives, is intended to be, or may be relied as, legal, tax, investment advice, statements, opinions or predictions. Prior to making any investment decisions, please consult with the appropriate legal, tax, and investment professionals for advice.
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Have Questions or Unsure if a Self-Directed SEP IRA is Right for You?
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The Time Is Always Right To Plan For Retirement
What is a Self-Directed SEP IRA?
A Self-Directed Simplified Employee Pension or SEP IRA is a simple, affordable retirement plan for self-employed individuals or small business owners, usually with a few employees. Employers can contribute to the account for themselves as well as their employees. Compared to a standard IRA or Roth IRA, a Self-Directed SEP IRA lets you make larger annual contributions.
Compared to a standard IRA or a Roth IRA, a Self-Directed SEP IRA lets you make larger annual contributions and invest in alternative assets beyond stocks, bonds, and mutual funds.
Who Is Best Suited for a Self-Directed SEP IRA?
Benefits of a Self-Directed SEP IRA
Ultimate Flexibility
With a Self-Directed SEP IRA, you don’t have to commit to annual contributions. Plus, you can combine a Self-Directed SEP IRA with a Standard IRA or Roth IRA. This ultimately provides valuable investing flexibility and the potential to diversify your portfolio.
Larger Contribution Limits
With a Self-Directed SEP IRA, you may contribute larger amounts of money. The contribution limit for 2023 is $66,000, as opposed to the $6,500 limit of a Standard IRA. The over-50 contribution limit for a SEP IRA is $73,500. For a Standard IRA, this figure caps out at $7,500.
Tax Deductible
The contributions you make to a Self-Directed IRA are tax-deductible, including those made to employee accounts. You can deduct the lesser of your contributions or 25% of compensation up to the compensation cap of $330,000 in 2023.
Here are several reasons a Self-Directed SEP IRA is the ideal way to save for retirement.
Self-Directed SEP IRA Eligibility Requirements
To take advantage of a Self-Directed SEP IRA, you must:
Be at least 21 years of age
Have worked for yourself at least three of the last five years
Have received at least $750 in compensation for 2023
You may exclude an employee from the plan if they’re covered by a union agreement or they’re a non-resident alien employee who hasn’t received any U.S. source wages, salaries, or other personal services compensation from you.
See a Future with a Self-Directed SEP IRA?
How To Open a Self-Directed SEP IRA
If you’re ready to open your Self-Directed SEP IRA, here’s the process:
Here are several reasons a Self-Directed SEP IRA is the ideal way to save for retirement.
Self-Employed Individuals
SEP IRAs are designed for self-employed individuals, such as freelancers, independent contractors, sole proprietors, and small business owners. These individuals can use the SEP IRA to save for retirement on a tax-advantaged basis.
Small Business Owners
If you own a small business with employees, you can also offer a SEP IRA as a retirement benefit to your workforce. A SEP IRA can be a smart option for small businesses with few employees, as it allows the employer to make contributions to employee accounts without incurring the costs of setting up a 401(k) plan.
High-Income Earners
SEP IRAs have high contribution limits, which can be attractive to high-earning self-employed individuals and small business owners. In 2023, the contribution limit for a SEP IRA is 25% of compensation, up to a maximum of $66,000.
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999 Reviews
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The Highest Rated
Self-Directed SEP IRA
The Time Is Always Right To Plan For Retirement
Madison Trust offers the industry's highest-rated, secure and simple-to-implement Self-Directed SEP IRA. We'll help you get going with easy account setup, a transparent fee schedule, and CISP-trained specialists to answer your questions. Join our happy family of thousands of employers who are doing it right.
What is a
Self-Directed SEP IRA?
Who Is Best Suited for a
Self-Directed SEP IRA?
Benefits of a
Self-Directed SEP IRA
How To Open a
Self-Directed SEP IRA
Open
Open a new Self-Directed SEP IRA account online or over the phone in under 10 minutes
Fund
Fund your account from an IRA transfer, rolling over from a 401K, or contributing to your account
Invest
Invest in any asset of your choice
The Madison Trust
Advantage
Madison Trust specialists will answer all of your questions!
Popular Self-Directed SEP IRA Investments
Real Estate
Invest in residential properties, commercial businesses, raw land, mortgage notes, and more real estate opportunities with your Self-Directed IRA.
Real Estate
Invest in residential properties, commercial businesses, raw land, mortgage notes, and more real estate opportunities with your Self-Directed IRA.
Private Placements
Find the next emerging opportunities with private placements. Invest in privately held companies such as LLCs, private equity funds, hedge funds, startups, and small businesses.
Private Placements
Find the next emerging opportunities with private placements. Invest in privately held companies such as LLCs, private equity funds, hedge funds, startups, and small businesses.
Precious Metals
Diversify your portfolio with tangible assets like gold, silver, platinum, and palladium. Use your Self-Directed IRA to hedge against inflation and protect against market downturns.
Precious Metals
Diversify your portfolio with tangible assets like gold, silver, platinum, and palladium. Use your Self-Directed IRA to hedge against inflation and protect against market downturns.
Promissory Notes
Generate a stable revenue stream with promissory notes. Loan money to emerging companies and small businesses right from your Self-Directed IRA.
Promissory Notes
Generate a stable revenue stream with promissory notes. Loan money to emerging companies and small businesses right from your Self-Directed IRA.
Some of the most common investments for Self-Directed SEP IRA owners include:
Self-Directed IRA Investments
Self-Directed IRA
Investments