Simplified Employee Pension to a Gold IRA

A simplified employee pension (SEP) is an IRA that allows tax-deductible contributions to be made into employer and employee accounts for their retirement. An SEP IRA has much higher limits than any of the standard IRAs. An employee SEP IRA is treated the same as any of the traditional IRAs and has all of the same rules. To qualify for an SEP employee IRA, you must be at least 21 years of age with a minimum of $550 in income during each of the tax years, and you must be employed by the same employer for at least 3 years within a 5 year span.

An SEP IRA can invest in gold, silver and other precious metals. It’s a good idea to diversify your retirement portfolio. Precious metals are highly resistant to volatility and they are a good hedge against inflation. If the market crashes, it is good to be holding some precious metal assets to help protect your life savings. An SEP IRA is a pre-tax IRA which means that you won’t need to pay any tax right now. You will pay tax when you withdraw your funds.

It has a few important IRS guidelines that you’ll need to follow. An SEP IRA has higher limits than traditional IRAs or Roth IRAs. You can contribute up to 25% of your total annual compensation to an SEP IRA. The amount of your contribution is limited to a maximum of $58,000 per year. All contributions that are made to a SEP IRA are tax-deductible up to 25% of your compensation. You can easily turn your SEP IRA into a precious metals IRA and begin holding gold, silver, platinum or palladium within the account for your future retirement.


GoldCo is an A+ BBB rated company in California that offers IRA approved precious metals. They are professionals that can help you roll over your IRA into gold or silver, find the best custodian for your precious metals, and then ship your metals directly to a depository. GoldCo has 16+ years of experience helping customers setup a gold IRA.


Account Setup

Precious Metals

Birch Gold

Birch Gold Group is an A+ BBB rated company in California that offers a wide range of IRA approved metals. They offer various storage locations from Equity Trust, Goldstar Trust and STRATA Trust. They have 15+ years in the business and over 7,000 satisfied customers. They are a trustworthy gold IRA company that offers 1-on-1 care.

Account Setup

Gold Storage


To get started with an SEP gold IRA, you should find a gold IRA company with a good reputation. We recommended these two gold IRA companies because of their many positive reviews, years of experience in the industry, and thousands of satisfied investors. Both of these IRA companies can help you setup an SEP IRA, help you fund the account with IRA approved precious metals , and then transfer all of the assets over to an IRA approved depository.