Skip to main content


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.

Call Now

M - F: 8:30am - 5pm ET

Visit Us

Find a PNC Location near you and stop by to see us.

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.

Learn More »

Life Insurance

For many, life insurance is a critical component of an overall financial plan, and selecting the right amount of coverage and policy type can be a challenge. As with all investments, it’s important to monitor life insurance policies to ensure they’re helping you to achieve your financial goals. PNC Investments can provide you with a no-cost policy review to help confirm you’re receiving the best possible value.

Learn More »
- AP Heading here - - AP Description here - - Text here - »

How PNC Investments Does Business

Learn how PNC Investments does business, including our qualifications, business practices, fee schedules, and options for how you can work with us by reviewing our Client Relationship Summary, Overview of Products and Services and more. View Details »