I truely love the Roth IRA, but If an individual is self-employed and has no employees then my opinion is to invest up to the max in the SEP IRA (upto 28% tax bracket higher brakets need to run more calculations). My reasoning being that a Roth contribution is made on earned income, therefore FICA and FUTA have been paid. Employer contribution to a SEP IRA are pension expenses and they do not pay FICA & FUTA on the money contributed (saving them about 13.48%)I hope I stated this clearly.Michael
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