Hi Andy,

I’d appreciate your opinion on this question.  Assume an employee contributes the maximum employee and employer contributions to his/her 401k, i.e. $70,000 in 2025.  If that same person is also self-employed, then in theory could they contribute another $70,000 to a SEP IRA (Assuming they meet the income amount to hit $70k contribution and that they are NOT an owner of the company with the 401k)?

Thank you!

Andrea