Which of the following statements regarding IRAs are CORRECT?
A. One may have both a Roth IRA and a Traditional IRA, contributing the maximum to each one.
B. One may have both a Roth IRA and a Roth 401(k) contributing the maximum to each one.
C. Both traditional IRAs and Roth 401(k) plans have RMDs at age 70 ½.
D. If one is a participant in a Roth 401(k) plan, the earnings limits are waived for opening a Roth IRA.