I am not a financial advisor - that's why I hired one. At some point (the sooner the better for sure) you will need to come to the realization that when you decide to hang up your boots someday there will not be a pension and gold watch waiting for you. As a self employed person you need to create your retirement options. There are several options - SEP (Simplified Employee Pension), Keogh Plans, New Roth IRA's, Deductible IRA's, etc... The earlier you start to contribute a % of your income to these different options, the less you will have to contribute and the more you will have come retirement age. Use the net and look around for financial advisors. Try and find a firm that either specializes in or has a specific department that specializes in self employment investing. One of the better moves you will make for yourself, your family, and your business.