TSP versus Roth TSP


Q. I’ll be retiring from civil service in two years and I’ll be 70 years old. Is it worth transferring or rolling over my TSP into a Roth TSP on my day of retirement?

A. It depends upon your particular circumstances and future plans. There is no “one-size-fits-all” answer to this question. It will take some work, including forecasting things like tax rates, to make the right decision.


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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 fedexperts@federaltimes.com and view his blog at money.federaltimes.com.

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