Partial TSP withdrawal


Q. I plan on retiring under MRA+ 10, at age 59, with 16 years service in December. I also plan on starting monthly withdrawals from my TSP account as soon as possible after retiring, which I heard is 6 weeks.  If I do that and need a one-time lump sum in a year or two, is that possible? I’ve never taken any before and never had any loans either.

A. I may not take a partial withdrawal after you have started monthly withdrawals. You may not take a loan after you have retired. Once monthly payments start, they may only be adjusted annually or terminated in a full withdrawal.


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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

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