Q. I will be 58 years old in March. I have 27½  years with the U.S. Postal Service. I am thinking of retiring from USPS within six months. I don’t think I can hold out for the supplement for 2½ more years. I am a carrier and completely burnt out. If I roll my TSP into an IRA, there is a limit I can withdraw per year, correct? If I leave my TSP alone, can I take out $1,000 per month?

Q. Can a federal employee put the maximum contribution into TSP and still receive the complete 5 percent government match on top of that? What if the federal employee is 50 years old? Also, if the employee puts the maximum catch-up amount along with the maximum TSP amount, will the employee still receive the complete 5 percent government match?

Q. I just returned to government employment after a long break in service and am in CSRS Offset. Can I use my IRA (Traditional) to roll over my owed redeposit money into CSRS? My IRA is with Vanguard, and they were unsure about the penalties involved. I called the IRS and no one there knew.

Q. I just turned 60 and eligible for a one-time TSP withdrawal. My financial adviser is pressuring me now to do so. TSP says don’t do it! Where can I find an independent consultant to advise me what to do? Naturally, any financial adviser will recommend a TSP withdrawal so they can get their hands on my money. When I don’t know what to do or get conflicting advice, I don’t do anything! Is that the right approach? I would rather make an educated decision one way or the other.

Q. I want to pay off $70,000 in student loans. I have enough money to either use home equity or a post-service TSP partial withdrawal. I am a 54 year old with 100 percent total and permanent disabled veteran/FERS annuitant. Is one option better than the other?

Something that Republican presidential nominee Donald Trump said during the first presidential debate caught my attention. He said that we were in an asset bubble that would pop when the federal reserve allows interest rates to rise. He claimed that the fed’s control of interest rates, and the bubble it has produced, are politically motivated. His tone seemed to imply that, if he is elected, he will end that control and allow the bubble to break.

Q. My husband plans to withdraw all his money from the TSP with an in-service withdrawal when he turns 59½ in November. A portion of his account is a Roth that will not meet the five-year rule until January. For tax purposes, it is best that the withdrawal be made in November rather than January. He does not have an outside Roth set up, but I (his non-working spouse) have had an outside Roth account for more than five years. Is it possible to deposit my husband’s TSP Roth portion into my Roth account in November and then withdraw it in January…

Q. I plan to retire with 30 years (plus five days) under my belt on Oct. 31, 2017. I will be 58 years old. Will I get my full annuity and special retirement annuity? Will anything be reduced? Also, if I take out a chunk of TSP (say, ½) and leave the rest to be paid out monthly, will I be penalized?

Q. If I retire at age 56 in January 2017 with 20 years’ federal law enforcement service with the Federal Bureau of Prisons, will there be a cap on the amount of money I can earn in 2017 and each year after while drawing the FERS supplement along with my pension? Also, if I draw out a one-time lump sum from my TSP to build a small cabin, is that considered earned income and will it cause me to lose my FERS supplement? What will be the tax rate for the TSP lump sum withdrawal at age 56? Will I…

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