I am self employed as a Xerox sales agent since 1994. I was always purchasing SEPS from small financial firms and the advisors I bought them from would then retire or change and I would have to change plans. Last year I made the decision to consolidate three separate plans to USAA. It has saved me a lot in management fees and has had great results. It is easier for me to track and gives me peace of mind and saves a lot of space in my filing cabinet!