Age-based in-service withdrawal from TSP


Q. A friend is close to being 59 1/2 and is seeking to either take a loan from his Thrift Savings Plan or make an in-service withdrawal. Does an in-service withdrawal count as one of the two that he can make once in retirement? Or long as he works will he still have two left for when he starts retirement?

A. An age-based in-service withdrawal counts as his single lifetime partial 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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