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Should I look at opening a SEP through the business and a ROTH personally

That would be my vote.

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I can take as much of the company money as payroll as I need but mostly have been letting it sit in bank

Letting it sit in the bank in what kind of account? How much interest are you getting on it? IMHO, the very first thing you should do is put that money into a high-yielding Money Market Account. Then decide on your retirement plans from there.

Some MMkt suggestions: Vanguard Prime Money Market or, if you prefer FDIC insured...Netbank. Or both, if you want to split your funds for diversification and safety.

www.vanguard.com
www.netbank.com

Roth and Sep suggestions: Vanguard, Vanguard and Vanguard.

First choice as a core fund: VTSMX (Total Stock Market Index,) then build from there.

Reading Suggestions: "Personal Finance for Dummies" and "Mutual Funds for Dummies."

Hope this helps.
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