The entrepreneurial spirit may be hard to quash but when it comes to making plans for their own retirement, business owners are increasingly finding themselves in just as much retirement turbulence as their own employees.

New research from the Small Business Administration, reported by Bloomberg, notes that small business owners have tended to believe that the assets of their own businesses will form the basis of their retirement plans – and they've therefore done little else to formalize their retirement savings, in a 401(k) or similar retirement tool as they might provide to their workers.

But while that do-it-yourself sentiment was a largely successful strategy in the days before America's financial downturn, the SBA now recognizes that entrepreneurs are now significantly less likely to possess diversified retirement assets – as their plan participant employees may do, if they've been prudent in investing or taking advantage of IRA offerings.