Alicia is a $40-$year$-$old single mother with one child, a daughter Melanie, age $17.$Alicia worked for a national home decorator chain for a number of years, but has been self$-$employed as a consultant for the past eight years. She has a small vested pension with her former employer, but will be primarily dependent on government plans, and her own resources, in retirement. Alicia watched a number of television ads for RRSP providers this past February and they have her thinking more seriously about her own retirement plans. Alicia plans to retire at age $60.$ Through a friend, who is a client of yours, Alicia has approached you with her concerns regarding retirement. Alicia wonders whether there are any disadvantages to saving for her retirement by contributing to RRSPs$.$Which of the following responses would be correct?A$)$RRSP contributions will ultimately be taxed at a higher marginal rate than the rate at which they were deducted, as the RRSP will result in high levels of income in retirement.Beneficial tax provisions applicable to various types of investment income, i$.$e$.$ capital gains, will be available to Alicia only upon withdrawal of the funds from her RRSP$.$Income that Alicia earns from RRSP investments will lose its identity from an income tax perspective upon withdrawal and be $100\%$ taxable.D$)$ While saving for retirement through RRSPs will permit the deferral of tax, at maturity or withdrawal, all funds in the plan$($s$)$ will face taxation at the then$-$prevailing highest marginal tax rate.