Transfer of outside IRAs to TSP


Q. I have a Traditional IRA and a Roth IRA outside of the TSP. I am maxing out my annual TSP contributions and my annual catch-up contributions. Am I able to transfer both of the outside IRAs into the TSP without affecting my annual contribution limits?

A. Yes, for any pretax money in the Traditional IRA. No, for any post-tax money, including the Roth IRA money.


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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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