Which statement explains a major difference between a traditional individual retirement account (ira) and a roth ira? a) traditional iras are supplemental plans provided by private brokerages while roth iras are employer-based retirement plans. b) traditional iras are employer-based retirement plans, while roth iras are supplemental plans provided by private brokerages. c) traditional iras provide tax breaks at the time of withdrawal, while roth iras are tax-deductible for the year the contributions are made. d) traditional iras are tax-deductible for the year the contributions are made, while roth iras provide tax breaks at the time of withdrawal.