By: Christian Brooks – SeaPRwire – Self-employed people have long had the highest contribution limits in a SEP IRA. What they lacked was an easy way to make those dollars tax-free later. WealthRabbit just closed that gap. The platform launched what it calls the first fully digital Roth SEP IRA. Business owners can now elect Roth treatment online. No forms. No phone calls. Same monthly price as the traditional version.
The product details sit squarely inside the SECURE 2.0 framework. That law allowed Roth tax treatment on SEP IRA contributions beginning in 2023. Under a Roth SEP, the owner pays tax on the contribution in the year it is made. The money then grows and comes out tax-free in retirement. The contribution ceiling stays unchanged. For 2026 the limit remains $72,000 or 25 percent of compensation, whichever is less. There are no income caps on eligibility. Customers can open a Roth SEP, a traditional SEP, or split contributions between the two. They can change the election for future years at any time. The same professionally managed Core and Crypto portfolios already available on the platform remain open to these accounts. Setup takes about ten minutes. Sole proprietors need no payroll integration. Pricing is a flat $6 per month with no per-employee fees. Jason Ackerman, CPA, CFP and co-founder CEO, said the firm built the entire flow so a self-employed professional could open the account, choose the contribution split, and fund it without mailing anything or picking up the phone.
The commercial logic is straightforward. Many freelancers and single-owner businesses assumed Roth-style treatment belonged only to W-2 workers or to people under Roth IRA income limits. The tax code changed. The platforms did not keep pace until now. WealthRabbit positions the product as the missing piece that turns the legal option into something usable in ten minutes. Existing customers get the same low flat fee. New customers can start immediately at wealthrabbit.com. The company already offers SIMPLE IRA, traditional SEP, Traditional IRA, Roth IRA, and Backdoor Roth solutions. This addition simply extends the same digital model to the highest-limit account available to the self-employed.
The practical test for any solo operator or small-business owner is simple. Calculate the after-tax cost of a full 2026 contribution under both traditional and Roth treatment. If the owner expects higher tax rates in retirement or wants tax-free withdrawals, the Roth election now carries no extra administrative friction. Run the numbers once, then open the account if the math works. The paperwork barrier is gone. Author bio: Christian Brooks, a veteran operator with decades of hands-on experience building and scaling financial-service businesses that serve independent professionals and small firms.