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While creating a profitable company may provide for a comfortable retirement, that's no way to plan. And many entrepreneurs, perhaps believing their businesses will be their retirement, don't plan sufficiently for their retirement. That's the finding of two reports recently released by the Small Business Administration.

Saving for Retirement: A Look at Small Business Owners, written by SBA economist Jules Lichtenstein, finds that entrepreneurs' retirement account ownership, contribution, and participation rates are low. Among his key findings: