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4. As of 2022 , which of the following are true about a Roth IRA? I. Contributions are tax deductible II. Withdrawals are always taxed III. You must begin withdrawals at age 701/2 IV. Employers are allowed to match contributions V. The full tax benefit is only available to individuals earning less than $129,000, or married filing jointly earning less than $204,000 A) I, II and IV B) II, IV and V C) I, III and IV D) 1, III and V E) V only