TSP funds to Roth IRA?


Q: I understand that the IRS will allow TSP funds to roll over into a Roth IRA. However, that does not mean that the company that runs the TSP will allow it. I’m 46 years old and in federal service with the Federal Employees Retirement System. How can I move my TSP funds into a Roth IRA?

A: You can’t.


About Author

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.


  1. A guy I worked with just retired. He rolled his TSP into his Roth and didn’t have a problem. He did have to request the transfer 90 days in advance. He was very informed on his retirement. He told me that once he committed to an amount he got monthly of his TSP then he was stuck with it. He wouldn’t be allowed to take a withdraw whenever he wanted. I guess he didn’t want to be that tied to the postal service so he just rolled it over. So this answer can’t be no because he just rolled his over and retired June 2010.

  2. You can rollover your TSP into a Roth IRA, you need to log into the TSP website and there a section that allows you to print out the forms to submit to the financial institution the funds will be going to. I am prior military and looked into this a few months ago this is how I know. I’ll be doing this process soon. If you have any questions you can always call TSP customer service or write them, they will help best they can.

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