The recent decline in stock and bond funds has left many people approaching their retirements with far less money than they had hoped for in their 401(k) plans. In fact, many accounts have been reduced to 201(k) levels after losses of 30% to 50%. However, these individuals are still healthy and very willing to continue their careers as independent consultants for their current employers or other employers. Highly compensated individuals really need a way to restore their 401(k) savings. We have just discovered and are working with a firm providing business services to independent consultants including contributions of $51,000 per year to a Fidelity 401(k) plan . The company is named Experience 4 Hire, and their website is at: www.e4h.com