If you own a small business with 2 to 50 employees or you're an entrepreneur or a one man or woman shop, what are you doing about retirement savings? IRAs are nice, but they barely make a dent in future needs. Keogh Plans allow a lot more money to accumulate but can be expensive to maintain. Same with 401(k)s...until now.

Decimal, a San Francisco firm offers what it calls The Online 401(k). The company works with payroll provider AppleOne and discount broker Charles Schwab & Co. to offer retirement accounts and other related payroll services to small business.

The best part of its services is the cost, which is usually less than $100 a month. And it provides you with all the choices that 401(k)s can offer.

For more information, check it out at www.theonline401k.com.

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