Roth TSP option within the TSP


Q. Can you find out an answer to the following question? My wife and I are 60 and retired federal employees. We have not yet started to withdraw funds from our TSP accounts. We understand that in early 2012 a Roth TSP option will be implemented. Will this Roth TSP option be designed so that retirees like my wife and me can reinvest our TSP withdrawals back into the Roth TSP option after paying taxes on the withdrawals?

A. Not unless you have earned income on which to base the Roth IRA contributions.


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Mike Miles is a Certified Financial Planner licensee and principal adviser for Variplan LLC, an independent fiduciary in Vienna, Virginia. Email your financial questions to and view his blog at

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