As a small business owner, you should be both interested and concerned about two prevailing trends coming together in the American workplace: the job growth created by small businesses and the responsibility of individuals for their own retirement planning.

If you are a business owner, with no employees other than co-owners or spouses, then you may wish to consider establishing a one-person 401(k) plan for your business. That's right. As a small business owner, you can now enjoy the same 401(k) retirement plan benefits currently provided to millions of other Americans.