Q. I plan to retire from federal service in about three years and start my TSP withdrawals then. My wife will continue working at that point; she has a 401(k)-like plan at her job that she contributes money to now. She also gets a fixed contribution from her employer, i.e., it does not depend on her contribution. Once I retire, should she continue contributing to her 401(k) or not? That is, she could keep contributing $X a year and I would end up taking $X more out of TSP.  Or, she could stop contributing and I would take $X less out…

Q. I’ve settled a case against the government and would like to apply some of the proceeds into my TSP account. I’m over 50. Other than making a “make up” contribution, can I use 415c to make an additional annual contribution that is the difference between $54,000 less my elective deferral, matching contributions, etc?

Q. When my husband, a federal employee who carried the FEHB, died, I continued his FEHB for myself, paying monthly premiums. I signed up for Medicare Part A about six months ago. I am also a federal employee, plan to retire this year and will continue paying my husband’s FEHB premiums so I will have coverage in addition to my Medicare Part A. My question is: Do I need to purchase Medicare Part B now or when I retire, or not at all?

Q. I am a single/divorced female, 58 years old, and I have 38 years of federal civilian service. I retired December 30, 2017, with a small outstanding TSP loan balance – less than $900. I have about $55,000 in my TSP. I had previously left the federal service (eight years ago) and used my TSP balance earlier in my career. When I reentered the federal civil service I reinvested in TSP and currently have a balance amount of $55,000. I’m considering requesting the full amount of my balance. Will I be penalized if I do not pay this small loan back…

Q. I just retired from the U.S. Postal Service as a FERS employee at 56 years of age. I have two outstanding loans against the TSP. My question is that if I elect not to pay them off within the 90 days and pay the tax on it for 2018, would that count as earned income against the $17,400 I am allowed to earn before being penalized on my Social Security supplement bridge? I am guessing that I would only be penalized 10 percent for early withdrawal in which case it still might be best for me to pay it off as…

Q. I’m a 65-year-old retiree under CSRS, have about $175,000 in TSP and do not plan on withdrawing from TSP until age 70. As a conservative investor, I currently have money in the G, C and I Funds hoping to have some money in a safer fund and some in which I can see a better return. With the current market downturn and the future predictions, I’m unsure where I should be investing. I don’t want to put everything in the G Fund, but I don’t want to put too much of my money at too high a risk. Any…

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