Retirement Plans for the Self-Employed

There are many perks to working for yourself: No long, useless department meetings and you can leave whatever time you want.

Of course the downside is there's no one to gossip with at the water cooler and you're on your own for retirement.

Thankfully, there are plenty of retirement savings options these days. So if you don't have a plan established yet, get on it. And if you already set up a plan years ago, you may be ready for a change, thanks to some new options. Most plans have to be established by year-end to count for 2005, but there is one option that needs to be in place by Oct. 1. ...