Eliza is a 60-year old woman who has been in the workforce for many years. she has made many investments over time as part of her retirement planning. but until now, she has no ira. eliza would like to add an ira to her retirement portfolio. she can make contributions during her remaining 8 working years, but would like to maintain low-risk investments. at this stage of her career, eliza is in a relatively high tax bracket, but she expects to drop to a lower tax bracket when she retires. at this point, which type of ira would be best for eliza, a traditional or roth ira. explain your reasoning using complete sentences.