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Self-employed and not sure whether to choose a Solo 401k or a SEP IRA? Here is the simple breakdown: A SEP IRA is usually the easier option because it is simple to set up and contributions are based on about 25% of your business income. But a Solo 401k often gives business owners more flexibility. With a Solo 401k, you can contribute as both: • Employee (salary deferral) • Employer (profit-sharing) This structure often allows you to contribute more at lower income levels. Another big difference
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