Assuming the five-year waiting period has been met, which of the following withdrawals from a Roth IRA will not avoid the 10% penalty? A withdrawal by a beneficiary after a participant's death. A withdrawal the participant after the participant's disability. A $5,000 withdrawal by the participant to pay first-time homebuyer expenses. All of the above distributions avoid the 10% early withdrawal penalty. None of the above distributions avoid the 10% early withdrawal penalty.