As a member of the Forbes Finance Council, Casey submits articles for consideration to be published in Forbes. Howard Bailey pays an annual fee to be a member of the Council.

As a self-employed individual, your work comes with a level of freedom and other benefits you may not experience in a more traditional job setting. Career independence also has its downsides, though, one of which may be financial insecurity as a result of poor investments or failure to save for retirement.

In fact, nearly half of self-employed individuals and small business owners, are not doing anything to prepare for retirement, according to a recent survey by online accounting software provider FreshBooks. The research further shows that many self-employed Americans are not putting anything aside for rainy days and any possible financial setback would have a massive impact on their businesses.

Ten finance experts from Forbes Finance Council offer their insights into the best retirement and investment options for self-employed individuals.