Postal Service early retirement


Q. With talk of the Postal Service downsizing I was wondering:  I am 48 years old, have 25 years at the Postal Service and four years active military.  I realize at 25 years I can retire, regardless of age.  But can I access any of my TSP without penalty or must I wait until my MRA of 56?  How about the Special Retirement Supplement?

Mike Miles:

A.  If you retire before the calendar year in which you’ll reach age 55, your TSP withdrawals will be subject to the early withdrawal penalty until you reach age 59 1/2, unless you can meet one of the exceptions listed on Page 4 of the notice at

Reg Jones:

You would be eligible to receive the special retirement supplement when you reach your minimum retirement age, which in your case would be 56.


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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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