Q. My ex-husband is a civilian for the Defense Department in San Diego. In our divorce, I was given half of his current TSP. The papers have been processed, and the divorce is finalized and finished. I have no idea how to go about getting my share of his TSP. My lawyer is not very good and hardly helps me. She told me to contact his employer … .with what? I have no idea what I am doing. I’ve spoken to him, and he just kept telling me he filled out some papers to get it sent to me. (This…

Q. I retired under discontinued service retirement in 2015, however, I was under the minimum retirement age of 55. I have applied for disability retirement, which I’m still waiting for the Office of Personnel Management to approve. How long should I expect he process to take? Can I do anything to help speed up the process? I have been declared disabled by two physicians and provided all requested documentation to OPM. Separately, can I start making withdrawals from the TSP? Can I make multiple withdrawals as funds are needed? Can I take the option for equal monthly installments and then periodically…

Q. For a typical retiree (or near retiree), we utilize the TSP funds as well as outside investments. Do you have a rule of thumb regarding how many funds to own for diversification, i.e., how many is too many? Also, what are the best asset allocation calculators to use (free, of course)? Lastly, for the G Fund, in an asset calculator, since that is unique to the TSP, what proxy ticker should I use to represent the G Fund in overall asset allocation evaluations?

Q. I am a FERS employee and plan to retire next year when I turn 58 (with 33 years of service). I have a healthy TSP balance (approximately $1 million). I am married, and my husband will be in the workforce for at least eight more years. Upon retirement, I may withdraw 100 percent of the TSP funds and pay tax on it all next year. I would like to use the balance to pay off a mortgage on two rental homes I own with my husband ($330,000) and put aside another $100,000 in liquid cash for education for my…

Q. I just attended a retirement seminar at the Naval Surface Warfare Center Philadelphia Division. It showed me just how complicated preparing for retirement can be. How can I locate a financial adviser who is familiar with all the complications of federal retirement? I am in the Philadelphia area.

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