Q. I just returned to government employment after a long break in service and am in CSRS Offset. Can I use my IRA (Traditional) to roll over my owed redeposit money into CSRS? My IRA is with Vanguard, and they were unsure about the penalties involved. I called the IRS and no one there knew.
A. You may not roll over tax-deferred money from an IRA to make a CSRS redeposit. You must make the redeposit with after-tax money.
