A Better Plan for Not WorkingStart early to set the best course for retirement--no matter how far off it may seem.

Retirement is often the last thing on entrepreneurs' minds.

Like life insurance, retirement planning is something that we tend to put off for the future, so focused are we on making sales, managing staff and putting out the daily fires. Often, it's only when our accountant taps us on the shoulder or our employees start complaining that we start hacking our way through the confusing thicket of SEPs, IRAs, Roths, Keoghs and 401(k)s. As a result, many small businesses end up with the wrong retirement plan or no plan at all.