20 When you contribute to an employer sponsored retirement acount,it is usually with dollars. A) optional B) discretionary C) after-tax D) pre-tax 21) With which of the following retirement plans will your withdrawals not be subject to tax es if you are over 59 1/2 and have had the account for at least five years? A) Keogh plan B) Traditional IRA C) Rollover IRA D) Roth IRA