Ron and Tom are father and son, both dentists ages 62 and 35 respectively that work for their own small business. Ron started the business 30 years ago and is now making significant money where taxes are becoming a problem. He has saved almost nothing for retirement so far and wants to save as much as possible in the last few years he will be working. Tom has been a dentist working with his father for the last five years as a minority owner and is in favor of any plan that can help his dad save money if he gets a little himself too. They have three other employees, Anne and April who are dental hygienists, both in their late twenties, and Leslie, the office manager, who is 35 years old. What type of retirement plans would be the best fit for the clients?