A client, age $35,$ is covered by a $401($k$)$ plan at work and also has set up an IRA account. He has been contributing the maximum amount to each of these each year. He lives frugally and has excess income available for investment. He asks you, the registered representative, for an appropriate recommendation to add to his retirement savings. Which recommendation is appropriate?A$529$ PlanBVariable AnnuityCHR$-10$ PlanDSEP IRA