Q. I turned 70 on Sept. 1, 2016. I know that I will have to make a required minimum distribution (RMD) from my TSP account when I turn 70½. I made a partial withdrawal of about $15,000 in 2009. Would this count for an RMD, even though it was 7 years ago?

Q. Just got medically retired from the National Guard and was also retired from Defense Department technician service. I applied for a TSP loan while waiting for pension paperwork to be processed. I was denied because I’m no longer an employee. Is there an exception for retirees under 60?

Q. I recently retired and would like to start taking monthly payments from my TSP account. Unfortunately, in 2013 I started putting a small portion of my contributions into the Roth option. This money will not pass the five-year test until 2018. There isn’t much money there, but I don’t want the hassle of figuring out the tax penalty and would prefer to grow the Roth in a separate account. I called TSP and got no help figuring out options. I read your solution about transferring almost all of the account out of the TSP, separating them, then transferring back the…

Q. If I take out $380,000 from my TPS upon retirement to pay off my mortgage, how much tax liability will I have? I will be 63½ years old, and have a total somewhere around $475,000 in my TPS account. Can I use these funds for a mortgage payoff?

Q. Regarding the Federal Long Term Care Insurance Program (FLTCIP), I had not thought about the lack of underwriting as a problem of being part of a pool of risky participants — at least for those of us who joined first. Do you think this is any more of a risk than our health care plans? Is the difference the number of participants rather than their level of health concerns? Can you elaborate on what it means that if you are protecting your own interests, you may be contributing to the demise of the program, and that what’s good for you may not…

Q. I had withdrew money from my TSP in 2013 and incurred a tax bill. I was told that you now can take a lump sum without penalties. Can you elaborate on this? Also, what can I do, if anything, if I have paid the taxes and penalties? I was FERS for my entire time with the government.

Q. Is it possible to roll over just my Roth TSP account to a IRA and leave the non-Roth account in TSP? The big drawback that I see in the Roth TSP is not being able to direct it separately from the non-Roth account. What is your take on this issue, and is there any way to work around it?

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