Question about opening new retirement acct - I am a partner in an LLC (20% owner with about 20 employees) and in that business retirement plan I max out the self directed part (17500), we have a 3% safe harbor and also a profit sharing portion - total annual contribution is about 35k put away which is only about 10% of my salary there and less then the federal limit of total contributions which I think is 52K. I am also an independent contractor for a separate business (no other employees there)that I earn income from during the year. Can I open a separate sep-ira for this other independent contractor income in order to max out my contributions?