TP has contributed max to 401-k and max to 457 plan plus catch-ups for each. They want to do Roths and a SEP. Where can I find the over-all aggregated limit that an individual can contribute to all retirements. Is it 59k?
What is the situation? I assume that the 401(k) and 457 is with an employer, and the SEP would be from self-employment income? If so, the SEP's contribution limit is a separate $59,000 from the employer plans.
Roth IRAs are 100% separate from the contribution limits from employer plans, so over and above what is there.