Tim, age 48, and Susan, age 51, are married and file a joint tax return. Tim is covered by a retirement plan at work and Susan does not work. Their AGI falls within the phase-out range for someone to contribute to a Traditional IRA while being an active participant, but it falls below the lower limit for a Roth IRA. Which of the following recommendations apply to their situation? Susan is not yet eligible for catch-up contributions. Only Tim can make eligible contributions to an RA-based savings vehicle. Tim is able to make a reduced contribution to a Traditional IRA, while Susan can make a full contribution factoring her age. Neither Tim nor Susan are eligible for deductible contributions because they are both active participants. Tim, age 48, and Susan, age 51, are married and file a joint tax return. Tim is covered by a retirement plan at work and Susan does not work. Their AGI falls within the phase-out range for someone to contribute to a Traditional IRA while being an active participant, but it falls below the lower limit for a Roth IRA. Which of the following recommendations apply to their situation? Susan is not yet eligible for catch-up contributions. Only Tim can make eligible contributions to an RA-based savings vehicle. Tim is able to make a reduced contribution to a Traditional IRA, while Susan can make a full contribution factoring her age. Neither Tim nor Susan are eligible for deductible contributions because they are both active participants