Jared is a small-business owner. He wants to create a retirement plan and does not intend to contribute to it during years in which the business experiences a loss. What type of plan is Jared most likely going to open? SEP-IRA O Keogh Ramon is 34 years old and is going to open a personal retirement account, even though right now he is on a very tight budget. Ramon is committed to making a contribution to his new plan but otherwise needs as much cash available now as possible. What plan would you recommend? Traditional IRA. Roth IRA. Hubert is a small-business owner. He wants to create a profit-sharing or money-purchase retirement plan. What type of plan is Hubert most likely going to open? SEP-IRA Keogh