Your client retired from the ABC Company at age 56 because ABC had a defined benefit plan that they thought would provide sufficient income. The ABC Company also has a 401(k). Your client's balance is $175,000. However, at age 57 they desperately need $20,000 to help their child. They do not have an emergency fund or any savings. Which of these sources should they use to obtain the funds? Neither of their 401(k)'s offer loans. (4.5 pts) a. The client's ABC 401(k) b. The spouse's 401(k) with the XYZ Company. The spouse, age 56, retired 3 years ago. c. The client's IRA d. The spouse's non-qualified variable annuity with a $50,000 gain