Article: TAKING CARE OF NO. 1: Flying solo; Self-employed must plan for financial security.(Personal Finance)(entrepreneurs' financial issues)

Byline: LISA BERTAGNOLI

When financial planner Mary Anne Ehlert first meets with new entrepreneurs, she senses they're in a state of shock-not just from the sense of freedom and excitement of doing what they want, but from the realization that self-employment means the end of a monthly paycheck, neatly stripped of taxes, health and life insurance premiums and contributions to a company-matched retirement fund.

"There are lots of surprises'' for new entrepreneurs, says Ms. Ehlert, owner of Ehlert Financial Group Inc. in Vernon Hills. "There's liability protection, for one. Then, when Cobra (employer health insurance coverage) runs out, it's health ...

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