2010 Edition
Introduction from book:
The retirement planning implications of being a New York City (NYC) employee and retiree have greatly changed over the years. Twenty years ago, most NYC employees had their pension benefit as their only retirement plan. Today, there are many opportunities available for the NYC employee to save money for their retirement. With these new opportunities, the NYC employee and retiree are often faced with difficult decisions. Many of these decisions involve tax issues that often change and at times may be confusing. The main purpose of the book is to provide general tax and retirement planning information as it relates to the NYC employee and retiree. The book is not meant to provide all the answers, but to provide the reader with a solid foundation upon which to build.
Whether you are a newly hired NYC employee or retired for years you will find the answers to your retirement planning and tax questions in this handy guide. The guide is written in an easy to understand question and answer format with many detailed examples.
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Table of Contents
Chapter 1 NYC Pensions
-Basic pension computations
-Employee pension contributions
-Pension loans
-Final pension distribution
-Pension options
-Variable Supplement Fund (VSF)
-NYC Employee/Retiree checklist
Chapter 2 NYC Deferred Compensation Plans
-NYC 457(b) Plan
-NYC 457(b) Plan contributions
-NYC 401(k) Plan
-NYC 457(b) and 401(k) Plan loans
-NYC 457(b) and 401(k) Plan rollovers
-NYC 457(b) and 401(k) Plan distributions
-NYC Employee/Retiree checklist
Chapter 3 NYC Roth 401(k)
-NYC Roth 401(k) Plan contributions
-NYC Roth 401(k) Plan distributions
-Wealth building power of the NYC Roth 401(k) Plan
-NYC Employee/Retiree checklist
Chapter 4 Individual Retirement Account (IRA)
-Traditional IRA
-Roth IRA
-Wealth building power of the Roth IRA
Chapter 5 Tax Deferred Annuity (TDA)
-TDA contributions
-TDA loans
-TDA distributions
-NYC Employee/Retiree checklist
Chapter 6 Savings Bonds, 529 Plan, IRC 125, & Social Security
Chapter 7 Taxes, Taxes, Taxes
-Common tax mistakes
-Reduce chances of audits
-NYC Employee/Retiree checklist
Chapter 8 Who to Turn to for Help
-Ten questions to ask a financial planner/advisor
-Credentials
-Methods of compensation
Chapter 9 Case Study #1 John & Mary Smith
Chapter 10 Case Study #2 Susan Anderson
Resources
Appendix I
Appendix II
199 pages - 6x9