I've browsed for a possible answer before posting, but to no avail.
I have stopped funding my SEP and created an i401K last year and have been funding it instead. It is my understanding that the SEP can effectively function as a tIRA now, however my MAGI is still too high. This may sound silly, but can i fund that account anyway - not for tax benefit, but as a brokerage account? The account balance is just under the much lower expense ratio and would like to add the additional funds to at least get the balance above that threshold so the acocunt can then have a much lower expense ratio.
Thoughts?
Thanks in advance