You don't HAVE to retire! That's one of the nice perks of being self-employed or a business owner. You're a doer. You like to make decisions and see results. But maybe someday — perhaps when you're 65, 75 or older — you just might WANT the option to trade the fun and frustration of work for golf, gardening, vacationing with the grandkids or sitting back and relaxing with family and friends. Just as important, you also want to have all your ducks in a row, so to speak, when it comes to making sure your loved ones are well provided for in the future.

Neither of these goals just happens. It is the result of planning, of decisions you make today. Because, as the old saying goes: Those who fail to plan...fail. That means retirement planning and estate planning...mapping out a strategy to create options for you and for your family.

• Retirement Planning Made Easy
  Information on Simplified Employee Pensions - the retirement plan for the small business owner
• Retirement Planning for Women-Owned Businesses
  Importance of SEPs for women business owners
• Wealth Replacement with Irrevocable Life Insurance Trusts
  Estate planning technique you can enjoy in retirement while minimizing your estate tax exposure
• The Retirement Dilemma of the Small Business Owner
  Steps for grooming your replacement before you retire