Given the following information, what was the return on net worth for the year?

Investment Assets at Year End $170,000

Investment Assets at Beginning of Year $125,000

Savings $25,000

Employer Match to 401(k) $4,800

Gross Income $120,000

Total Assets at Year End $650,000

Total Assets at Beginning of Year $610,000

Total Liabilities at Year End $235,000

Total Liabilities at Beginning of Year $240,000

answer choices

4.11%

12.16%

9.45%