Q. I am in the FERS retirement plan with 30-plus years of service and a plan to retire at age 63 with 42 years of service. I have most of my TSP money in the traditional TSP, but have recently began putting all of my contributions and catch up contributions into ROTH TSP only. I would like to avoid required minimum distributions on my ROTH TSP funds when I retire by transferring this money out of the TSP system into a brokerage account. Is this possible?
A. Yes, but under the current TSP rules, you will have to also remove traditional money at the same time you remove Roth money. Once the new withdrawal rules go into effect, you will be able to specify which type of money you withdraw.
