Do you have a SEP-IRA? Do you even know what one is? Let’s zoom out for a sec for an IRA refresher… An IRA, or Individual Retirement Arrangement, is an account set up at a financial institution that allows you to save for retirement. What’s the difference between a SEP-IRA, a Traditional IRA, and a Roth IRA? To quote Vanguard.com: A SEP-IRA (Simplified Employee Pension) is a simple, tax-deferred retirement plan for anyone who is self-employed, owns a business, employs others