Q. I have all of my funds allocated to the G Fund and would like to diversify my account. I changed my allocation to 100 percent G Fund in June 2016 when markets were dropping, with the intention of rediversifying at some point. With the markets continued rise, I am afraid now that I will lose money if I tried to convert now since I would be buying in at a higher amount. The loss from the conversion may be worse than the gain of increased returns from the other investment options. What are your recommendations?

Q. There is a lot of information on sites regarding how to convert traditional TSP funds to a Roth IRA – and how to transfer Roth 401(k), Roth 403(b) and Roth 457(b) into the Roth TSP – but I can’t seem to find anything about transferring Roth TSP funds to a Roth IRA. I am told that this can be done (Roth to Roth), but can’t find anything definitive on it, or what form to use to do it.

Q. My spouse is a U.S. Marshal retiring at age 51 with 28 years of service retiring next month. The question he has had a hard time getting answers to is transferring his TSP to an IRA and receiving monthly payments. He would like to transfer his TSP to an IRA to maximize his investment options, but is concerned if he takes immediate withdrawals that he will be forced to pay a penalty in addition to taxes. Is TSP the only option to taking immediate withdrawals before age 59.5? Can immediate withdrawals at 51 be made at firms such as…

Q. I am 56 with 32.5 years of FERS service and am getting ready to go home to the family ranch. I have about $550,000 in the TSP and most in the granny G fund. I want to basically draw the earnings after I hang it up. So, if I want to draw, say, $1,400 a month, can I do that, and am I able to adjust the draw, say, once a year?

Q. I am retired from federal service (age 63) and have a part-time job. Do IRS rules allow me to contribute to an existing Roth IRA I have had since the 1990s (up to $6,500 a year) as long as my earned income exceeds $6,500? Can my wife (age 60) contribute to her Roth IRA up to $6,500 also, as long as my part-time income exceeds that combined total? Does the fact that the company I work part-time for has a 401(k) plan that I contribute minimum to just for the match matter?

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