Question

the distributions from all iras, except roth iras, are - tax - deferred tax - independent tax - free tax - optional

Explanation:

Traditional IRAs (not Roth IRAs) have contributions that are tax - deductible (in most cases) when made. The growth of the investments in the IRA is tax - deferred. That means you don't pay taxes on the investment gains each year. Taxes are paid when you make withdrawals (usually in retirement). Roth IRAs have after - tax contributions, and qualified withdrawals (including earnings) are tax - free. Tax - independent is not a standard term related to IRA tax treatment. Tax - optional is also not a correct term for the standard tax treatment of traditional IRAs.

Answer:

tax - deferred