Transferring TSP into spousal Roth


Q. My husband plans to withdraw all his money from the TSP with an in-service withdrawal when he turns 59½ in November. A portion of his account is a Roth that will not meet the five-year rule until January. For tax purposes, it is best that the withdrawal be made in November rather than January. He does not have an outside Roth set up, but I (his non-working spouse) have had an outside Roth account for more than five years. Is it possible to deposit my husband’s TSP Roth portion into my Roth account in November and then withdraw it in January without penalty?

A. Your husbands TSP money may not be rolled over to an account in your name.


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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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