Q. I plan to retire in April 2016 under FERS with 31 years of service at age 58. I plan to begin a second career and don’t expect to take money from TSP until I reach my mid-60s. My current TSP balance is about $1.1 million. I have a rollover IRA from a former employer with a balance of about $90,000. Does it make sense to transfer this IRA to TSP?

A. Yes, assuming that the IRA is in your name and there are no restrictions against the transfer.


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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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