You had me excited for a minute thinking I could use my other business to put away more money. I had always been told I could not. Turns out that is correct.
Here is the IRS FAQ:
More than one plan. If you contribute to a defined contribution plan (defined in chapter 4), annual additions to an account are limited to the lesser of $53,000 or 100% of the participant's compensation. When you figure this limit, you must add your contributions to all defined contribution plans maintained by you. Because a SEP is considered a defined contribution plan for this limit, your contributions to a SEP must be added to your contributions to other defined contribution plans you maintain.

So the total for all plans is 53K/59K, depending on age.

Not true. You need to talk to a certified planner. Here's a good explanation of a person putting well over the $59k away.

Forbes Welcome

Yes, for the vast majority of us, working one job at United, without financial planners or tax advisor or others.

Lots to learn here. Thanks for the advice! Right now I'm doing an extra 5% with that increasing to 10% on my anniversary date. Time to hit the books! (I started a 529 for future, not yet conceived, baby because of this conversation!)

Looked this up again and will check again with my financial guy.

The article you refer to was from 2014. Only one person in the article was over 53K and he was in a 403 plan. Also SEPIRA plans do not get the 6K in step up contributions and are limited to 25% of your self employment income.
The latest IRS publication 560 is pretty clear that if you are part of a defined contribution plan you have these max limits. Hope you are right, but I'm thinking not.

Contact these guys. He's a United Pilot and I know for sure he understands how this works. He's the best resource out there for us.

United Wealth Management, LLC | Charlottesville, VA

Yes most of us don't have outside income. I do because I'm also on my parents business and I get distributions from that which are a lot so I can tax defer a ton, but I think it's only 20% of self-employment income. So if you get an extra $100k you can put $20k in a separate plan ABOVE the $53k/$59k.

I would be interested to know what their fees are and what kind of investments they put you in ( and what those costs are), if you care to share.

flat rate of 1.2% for accounts under $500k, no fees for trading activity

they can only access the PCRA account so you control how much they work with

they can't do options or trade on margins

investments according to your risk profile

I haven't been with them long enough to judge performance

Do they use mutual funds? If so, what funds do they have you in? I know some of those mutual funds have pretty high expenses.