To the extent that you have earned income from your own business, there are several plans for the self employed. Look into an SEP IRA and Keogh plans. There may be others.

Beyond that you need to develop an aggressive investment plan. I presume you are 30 something, so you still have plenty of time, but get started soon. Max whatever tax preference plans you can qualify for. Then in addition, start a taxable investment program. Read up on the basics starting with Fool School from the fool.com homepage. An S&P Index fund at a major mutual fund company like Vanguard is a good place to begin. This can work either as an IRA or a taxable investment. You can have both kinds of accounts.

As you learn more, you will probably want to do stocks. Fooldom has several stock portfolios. The basic one is Foolish Four. But a long term buy and hold strategy with a Rule Maker stock is about the best you can do in terms of low tax implications and low costs.

Best of luck to you. You seem to be asking the right questions.