Are you a self-employed worker in search of a retirement plan? Numerous financial firms offer 401 (k) and SEP IRA plans for people who are self-employed. If you have no employees, these plans might work for your needs. Three of the top providers of self-employed retirement plans are USAA investment, Vanguard and Charles Carroll. Retirement is an important goal that requires extensive planning, and just because you run your own business doesn't mean you need to be left out in the cold. Read on for important questions and answers that can help you understand your best self-employed 401 (k) plan options.