Rolling TSP into Roth


Q. My financial adviser is encouraging me to move my Thrift Savings Plan funds immediately to a Roth account. Is this a good idea if I am retiring in the next 12 months or earlier?

A. No. It’s not a good idea unless there is a good reason to do so. I’ll bet that your “financial adviser” is nothing more than a salesperson trying to take your money. Confusing the two is usually a costly mistake.


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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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