Affinity Bank > Retirement Services > Simplified Employeement Pension (SEP) Plan


	Simplified Employee Pension (SEP) \| SIMPLE IRA \| Profit Sharing Plan Self-Employed 401(k) \| 401(k)

Simplified Employee Pension (SEP) Plan

A SEP Plan is a retirement plan that you, as an employer, can establish, even if you have few or no employees. In addition, offering a retirement plan can make it easier for you to attract and retain valuable employees.

A SEP has many beneficial features:

Easy to set up – no complicated forms to fill out
Tax-deductible contributions up to 25% of compensation, as much as $45,000 for the 2007 plan year†
Earnings grow tax-deferred until withdrawn
No annual reports for you to file with the IRS
Contribution percentage can vary each year
Since you may be in a lower tax bracket after you retire, your SEP withdrawals could be taxed at a lower rate than you pay now

The financial consultants at Investment Services at Affinity Bank are registered representatives with LPL Financial and may only discuss and/or transact securities business with residents of California.

Securities and Insurance products offered through LPL Financial and its affiliates member FINRA/SIPC.

Not FDIC Insured	No Bank Guarantee	May Lose Value
Not A Deposit	Not Insured by any Federal Government Agency

Affinity Bank and Investment Services at Affinity Bank are not affiliated with LPL Financial.

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