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Greetings, dailybread, and welcome. You asked:

I have a regular job that allows me to contribute to a 403(b) plan with my employer matching a portion of this. I also work a separate job as an independent contractor (self-employed) and was wondering if I can still take advantage of a SEP-IRA or SIMPLE-IRA, even though I already participate in the 403(b) ?

Yes, you may. But if you use the SIMPLE, take care because your contributions to that must be combined with your contributions to the 403(b) for the maximum contribution limit of $10,500 for the year. The SEP contributions stand on their own, which means you may contribute up to 15% of your net self-employed pay to that as well as the $10.5K max to your 403b plan.

Regards..Pixy
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