Roth IRA


Q. I am a CSRS employee with more than 36 years of service. I have also been contributing to a TSP account. I plan to retire in June 2013. Should I start contributing to a Roth IRA or continue contributing to my TSP?

A. “Should I…” is not a question that I can answer through this forum. Whoever is responsible for managing your investment portfolio and delivering the results you expect should be the one to decide.



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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 and view his blog at

1 Comment

  1. Or is not the best option. Why not both? You SHOULD have been maxing out your TSP and an IRA every year.

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