Q. I will be 70½ in October 2017, and I understand I will be required to take my first required minimum distribution from my non-TSP IRAs in 2017, or wait until April 2018 and take two RMDs (the one for 2017 and the one for 2018). However, since I am still a federal employee and will remain so until I retire on Jan. 5, 2018, I believe I will not have to take a TSP RMD for 2017, so I will only need to take a single RMD from TSP in 2018. Is that correct?
A. Correct. Your first TSP RMD will be due by April 1 of the year following the first calendar year in which you are both age 70½ and separated from federal service (the first distribution calendar year). Your first distribution calendar year will be 2018, and your first TSP RMD will be due by April 1, 2019.