11. Jorge is married and their combined household income is $250,000. Jorge is covered by his employer’s retirement plan. Jorge does not have a traditional IRA or a Roth IRA. He would like to contribute $5,500 to a Roth IRA. Which of the following do you recommend that Jorge do?
a. Contribute $5,500 to a Roth IRA
b. Contribute $5,500 to a traditional IRA, claim a $5,500 deduction, and convert to a Roth IRA
c. Contribute $5,500 to a traditional IRA and then convert it to a Roth IRA
d. All of the above are equally good recommendations