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If you run a small business or are employed by one, there’s a very good chance you don’t have an employer-sponsored retirement plan.
According to the U.S. Census Bureau, only 29 percent of workers employed by businesses with fewer than 100 employees have access to an employer-sponsored plan. That makes retirement planning tough. By comparison, 81 percent of workers at companies with 100 or more employees have access to employer-sponsored plans.
At a hearing this week held by the U.S. Senate Special Committee on Aging, the General Accounting Office released an analysis that said more owners of small businesses don’t have plans because the plans are expensive and offering them carries with it fiduciary responsibilities that small businesses don’t feel qualified to accept.
According to a very unofficial and unscientific poll on Bankrate’s Facebook page, some of our fans have a New Year’s resolution to launch a side business or freelance to earn extra cash in 2012. Whether your want to win over corporate clients or sell some refurbished furniture on Etsy, you’ll need a marketing strategy so