Which of the following statements is TRUE?

A. If you do not withdraw interest earned in a savings account during the year, you will not have to recognize that interest as taxable income during the period.

B. Retirees pay income tax at a set rate regardless of how much they withdraw from their retirement savings (IRA or 401K).

C. "Back-door" Roths allow high-income individuals to work around the income limitations typically associated with ROTH IRAS.

D. A Tax diversification strategy involves appropriately allocating your portfolio between stocks, bonds, commodities, and real estate.