But considering the 2001 and 2003 tax cuts and his own situation--three young kids and a new solo practice--McGovern might not fund a retirement plan himself this year.

FORBES: The Deferral Trap

After eight years of postgraduate study, I opened a solo pediatrics practice in a community of 10, 000 souls an hour from Boston.

WSJ: Ed Marsh: Reflections of a Medical Ex-Practitioner

Cohen, who sees 45 patients a day at his solo private cancer practice in Los Gatos, Calif.

FORBES: Magazine Article

If, on the other hand, serving as an independent consultant and working solo in a booming practice is for you, then explore what it takes to make it on this third path.

FORBES: Ready to Chuck Your Corporate Job? Solopreneurship Is a Growing Movement for Women

An advisor can achieve great income and have a very fulfilling practice while staying solo.

FORBES: Should You Merge Your Firm Or Stay Solo?