Why a SEP IRA Might Not Be the Smartest Move for High-Income Business Owners. When I work with business owners, I take a micro-family office approach — blending tax, legal, asset protection, wealth accumulation, and legacy planning into one unified game plan. 👉 The goal? Generational Wealth Creation. And that’s why I’m cautious about strategies like the SEP IRA. ✅ Sure, a SEP lets you: — Take a tax deduction today. — Invest pre-tax dollars for growth. But here’s the real question: Are you solving for the right problem? Because SEP IRAs don’t eliminate taxes… They just delay them. And here’s what most don’t consider: 📌 Tax deferral = future tax liability. 📌 76% of the time, tax rates in U.S. history have been higher than they are today. 📌 Hoping for lower rates when you retire? That’s a gamble, not a plan. Most business owners I work with want: ✅ A better lifestyle in retirement. ✅ More control over their tax exposure. ✅ A structure that builds...