Roth TSP


Q. Is it possible to roll over just my Roth TSP account to a IRA and leave the non-Roth account in TSP? The big drawback that I see in the Roth TSP is not being able to direct it separately from the non-Roth account. What is your take on this issue, and is there any way to work around it?

A. You may not selectively withdraw only your Roth TSP assets. All withdrawals will be taken proportionately from both types of money. You could roll most of your TSP money over to a Traditional IRA, then return only the pre-tax amount to the TSP and then convert the remaining after-tax money in the IRA to a Roth IRA. This will accomplish exactly what you propose, but it will come close.


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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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