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Greetings, Danscott, and welcome. You asked:

<<Next year, I anticipate only self-employment income (and a pension). Can I contribute to both a Roth/traditional IRA and an SEP? Or only the SEP? Are there any either/or restrictions or is each type of IRA a stand-alone decision?>>

You may contribute to both a SEP and a traditional or Roth IRA provided you meet the requirements for the IRA. If you use a traditional IRA, then the deductibility of the contribution depends on your adjusted gross income and filing status. If nondeductible, then almost certainly a Roth is better assuming you meet the AGI limits for that.

Regards..Pixy
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