Your client has participated in his company's defined benefit plan for six years. He is considering taking early retirement at age 60. You should advise him that

A) he will be missing the opportunity for potential investment growth.

B) his Social Security benefits will be permanently reduced by more than 20% because he is retiring before age 62.

C) his monthly defined benefit pension amount may be reduced because he has fewer than 10 years of service.

D) by retiring early he would be giving up potential employer matching contributions.