10. Joyce, one of Nick’s employees, has come to you for advice. She would like guidance on choosing between contributing to a defined contribution plan and a Roth IRA. Assuming that Nick establishes a 401(k) plan, which of the following statements is true for Joyce? a. If Nick’s firm matches contributions to the 401(k) plan, she should contribute to the plan at least to the point of obtaining the match. b. Under no circumstances will the 401(k) plan provide a better after-tax return than the Roth IRA. c. If Joyce believes that tax rates in retirement will be higher than rates today, she should contribute to the 401(k) plan rather than the Roth IRA. d. Regardless of employer matching, Joyce should maximize her contribution to the Roth IRA before contributing to the defined contribution plan.