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Hello all. I am one of the many beginners struggling with a few year end decisions and desperate for some direction. I am trying to set up a retirement fund for my self-employed spouse. He is the only employee of his company other than me who provides some administrative support. He hires additional help as contract workers only. I make contributions to a 401K.

Would the SEP be the best retirement plan? Is he required to contribute to contract workers under this plan? Can IRAs be used in addition to the SEP?

Any assistance would be so greatly appreciated.
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