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Small company now without a pension or retirement basically because the president hates having to dance to the Government's tune. I can see a compromise in a regular drip portfolio. There are 4 employees.

I am looking for suggestions on the best way to set this up. I am also open to other solutions.

As has been pointed out, a SEP requires just a simple box step; no dips or spins required. You might want to bone up on the benefits to the employer in Publication 560. The major benefit for the employer in having a sanctioned plan is the effect on his taxes, not to mention employee satisfaction.

You should also take a look at SIMPLEs in Pub 560.

Phil Marti
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