If Shoi, age 68, were to die, what would be the most advantageous strategy to manage his individual retirement account to enable his wife, age 64, to postpone distributions for the maximum duration? a.Transfer the assets to an inherited IRA and initiate distributions at the point when Shoi would have reached age 72. b.Receive the remaining balance by the conclusion of the fifth year following the year of Shoi's death. c.Transfer his IRA funds to her IRA and commence distributions according to her own Required Beginning Date (RBD) at age 72. d.Opt for a lump-sum withdrawal and allocate the funds into alternative investments