I do as Neemo suggests using an external hard drive, and as a bonus I keep all the important files (photos, music, documents etc,) on the external drive after completing the transfer, keeping it as a backup for the future. Kind of kills two birds with one stone.
Thanks everyone for your replies. I did copy /paste all files and other programs. I now have everything set up and running. Just waiting for the person who actually uses this small business computer to finish fine tuning it to their specs. Then I will take their old HD and make it a clone of the new one.