Today, you celebrated your 25th birthday. You just landed a new job at Citi Bank. Citi provides you a 401-k plan, and you decide to deposit $200 every month. Citi matches your 401-k YEARLY TOTAL at 50% AND THE FUNDS are deposited annually. The account pays interest at 4.8% compounded monthly. At the end of 15 years, you change the job to JP Morgan Chase, and you decide to roll-over your entire 401-k to Chase. At Chase, you contribute 6% of your salary to the 401-k; deposits are made annually. Your starting salary at Chase is $80,000 and you expect to earn 3% pay raise every year. Chase matches your 401-k at 66.6667% (matching funds are deposited annually), and pays interest at 7.2% per year compounded quarterly. You work at Chase for 15 years and then you join Fifth Third Bank. You leave your 401-k at Chase, where it continues to earn interest at 7.2% per year compounded quarterly. At Fifth Third, you contribute $400 every month to their 401-k. Fifth Third matches at 100% and deposits the money annually. Interest Rate is 5% per year. You work for Fifth Third for 10 years until you retire at age 65. You had a hardship withdrawal of $70,000 at age 45. The money was returned to account at age 50. a) Determine the total account balance (all accounts) on your 65th birthday. b) You roll over all the accounts to a Fidelity Retail IRA accounts on your 65th birthday. You invest that money in a safe financial instrument that pays 4.8% compounded monthly. You do not withdraw any money from the account for 5 years. After that time, beginning your 70th birthday, you start taking out $15,000 per month. Determine the balance in the account on your 90th birthday.