Offered by PNC Investments

Whether you’re running your own business as a sole proprietor or have a staff of any size, consider a SEP-IRA (Simplified Employee Pension-IRA) from PNC Investments. This plan type allows you to leverage tax-advantaged investments for yourself and your employees.

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Key Features

Benefits Your Employees

Eligible employees reap the benefits of a Traditional IRA, but with higher contribution limits

Tax Efficiencies

Money is invested tax-deferred, and employers may get a tax deduction for all contributions

Immediate 100% Vesting

Any contributions in a SEP are 100% vested immediately



  • Generally available to sole proprietorships, partnerships, corporations, Subchapter S corporations and non-profit organizations of any size
  • Only the employer contributes (and must make the same contribution for all employees); employees do not contribute to a SEP IRA
  • All eligible employees are covered, and contributions are 100% vested immediately
  • Funds can be invested the same way as in any other IRA, and earnings accumulate tax-deferred
  • Contribution limits are higher than in other IRA types
  • Employers may be able to take a tax deduction for contributions made for their employees
  • Administration may be simpler than a 401(k) plan
  • Self-employed businesses can set up a SEP even if the owner is contributing to an employer-sponsored retirement plan at a second job

Associated Products & Services

The following information may be provided by PNC Investments affiliates, including PNC Bank, PNC Wealth Management® or PNC Institutional Asset Management®:


If you employ fewer than 100 employees who earned $5,000 or more in any two years prior and who are expected to earn at least that much this year, consider a SIMPLE (Savings Incentive Match Plan for Employees) IRA from PNC Investments. This plan type is easy to open and run, has low costs and fees, and all funds accumulate on a tax-deferred basis.

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Defined Contribution Retirement Solutions

PNC Institutional Asset Management offers customized, flexible options to help your organization meet its fiduciary, investing and employee education needs.

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PNC Investments Advisor-Managed Accounts

Accounts managed on your behalf by a Registered Investment Advisor.

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Important Legal Disclosures & Information

This material is meant to educate and not to provide legal, tax, accounting or investment advice. PNC Investments and its affiliates and vendors do not provide legal, tax or accounting advice.

Important Investor Information: Brokerage and insurance products are:

Not FDIC Insured • Not Bank Guaranteed • Not A Deposit
Not Insured By Any Federal Government Agency • May Lose Value

Securities products, brokerage services and managed account advisory services are offered by PNC Investments LLC, a registered broker-dealer and a registered investment adviser and member FINRA, and SIPC. Annuities and other insurance products are offered through PNC Insurance Services, LLC, a licensed insurance agency.

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This document provides information on additional compensation that PNC Investments receives from certain mutual fund companies, 529 plan program managers and insurance companies.

This material does not constitute an offer or solicitation in any jurisdiction where or to any person to whom it would be unauthorized or unlawful to do so.

PNC Investments does not guarantee the performance of any investment. Investing results may vary. Investments may lose money. Diversification and asset allocation may not prevent a loss of investment.

PNC Investments LLC, PNC Insurance Services, LLC and PNC Bank, National Association are each affiliated with The PNC Financial Services Group, Inc.

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