Six years ago, Gladys opened a retirement account with an initial deposit of $14,000. Each year since then, she has added $2,000 to the account at the end of each year. She plans on contributing for the next 25 years. How would you determine the future value of her account at retirement? Future value of a lump sum and future value of an annuity. Future value of an annuity and the present value of a lump sum. Future value of a lump sum and present value of an annuity