Requester: James Lee (james@zabaca.com) Research Date: 2026-01-29 Original Question: Does Wealthfront offer a SEP IRA account for business owners?

TL;DR

Yes, Wealthfront offers SEP IRA accounts for business owners.

Detailed Answer

Eligibility

SEP IRA accounts at Wealthfront are available to small businesses including:

  • Sole proprietorships
  • Partnerships
  • LLCs
  • S-Corporations
  • C-Corporations

Tax Benefits

  • Contributions from the business are tax deductible
  • May qualify for additional tax credit during first 3 years to offset administrative costs
  • Contributions are deferred on account holder’s taxes until withdrawal

2026 Contribution Limits

  • Maximum SEP IRA contribution: ~$72,000 (projected)
  • Lesser of 25% of compensation or annual dollar cap
  • Additional individual IRA contributions may be possible up to 8,600 if age 50+)

Notable Feature

Wealthfront is one of the few robo-advisors that allows employers to contribute to employees’ SEP IRAs (not just self-employed individuals).

Setup Requirements

Requires IRS Form 5305-SEP or custom plan document.

Sources