Good If You...

  • Desire to Offer Employees a Portable Retirement Savings Plan
  • Want a Plan with Low Start-up Costs and Ongoing Operating Costs
  • Need a Plan with Flexibility in Annual Contributions


  • Employer Contributes to Traditional IRAs in Employees' Names1
  • Total Annual Contributions Limited1
  • Interest Earnings Tax-Deferred1

What Are the Investment Vehicles for the SEP IRAs?

Individual Retirement Accounts (IRAs) setup as a part of the SEP are structured as brokerage accounts invested in stocks, bonds or other types of investments, which are not guaranteed and may lose value. If you are interested in this type of retirement savings, please speak with a representative from First Citizens Investment & Trust Department.2

Retirement Planning

Retirement Planning

First Citizens Investment & Trust Department2


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1 Consult a qualified tax professional for details.

2 Not FDIC Insured • Not Bank Guaranteed • May Lose Value • Not Insured by Any Federal Government Agency • Not a Bank Deposit