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Watercooler: Get the facts on simplified employee pensions

MCCLATCHY NEWSPAPERS

First Published Dec 01 2012 01:01 am • Last Updated Apr 08 2013 11:31 pm

A simplified employee pension, or SEP, can provide small businesses and self-employed individuals with a tax-deductible and tax-deferred way to save for retirement.

Several websites offer a range of information and forms related to an IRA-based SEP.

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Here is a sampling:

Financial Web • Discusses pros and cons of simplified employee pension plans, at http://bit.ly/dqULQI.

Internal Revenue Service • Covers frequently asked questions, at http://1.usa.gov/X4QoEu.

Investopedia • Provides overview of eligibility, contributions and distributions, at http://bit.ly/11k375A.

TIAA CREF • Overview of how a SEP plan works and its advantages, at http://bit.ly/V8ulqs.

U.S. Department of Labor • Spotlights aspects such as how to establish and operate a plan, at http://1.usa.gov/aHGRM8.




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