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Investments and Pensions
- 1. Investments and Pensions for NYPD Thomas Lincoln & Associates 1 JaceyBreed
- 2. Thomas Lincoln & Associates Advisors • Independently owned and managed • 25 years of investment experience • Relationship-driven client service • Quantitative investment process 2 JaceyBreed
- 3. Overview • Investment Process and Characteristics • Investment Review Evaluate Financial Status Formulate Guidelines • Investment Strategy Select Investments Review & Report Status 3 Maturity Quality Sector Buy/Sell Allocation JaceyBreed
- 5. Review Status • Current Financial Status Review expectations Establish objectives • Formulate Guidelines Establish asset allocation • Select Markets Risk Stability and Growth 5 JaceyBreed
- 6. The IRAs Eligibility Annual Contributi ons Distributio ns Taxes Roth IRA Anyone Single: $100k Married:$16 6k Maximum Single: $5k Married: $10k No age req. after 59 ½ Lump sum or installments No tax after 59 ½ Penalty before 59 ½ IRA Anyone Lesser of $5k or 100% of earned income 70 ½ age req. Lump sum or installments Income tax applies 6 JaceyBreed
- 7. Other Pension Plans Eligibility Annual Contributi ons Contributi on Type Taxes Keogh Self employed Sole proprietors Maximum: $40k or 25% of employee compensatio n By employer 2 part plan Pre-tax Income tax applies SEP- IRA Self employed Maximum: 40k or 25% of compensatio n By employer Pre-tax Income tax applies 7 JaceyBreed