Q. I am leaving NAF service and going GS. I currently have NAF retirement and a 401(k). I have to decide on whether to keep the NAF retirement plan. I was advised once before this is a better plan than FERS and TSP, but recently was told otherwise. Do you have any information that breaks down the pros and cons of each benefit system?

A. You will find information about FERS at and more detailed information about the TSP at You’ll have to ask your human resources department for comparable information about your current benefits program.


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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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