Rollover of TSP balance to TIAA


Q. I am a retired federal employee, receiving my annuity, with a balance still in my TSP account. I am a full-time professor at a university with a Teachers Insurance and Annuity Association of America contributory plan, in which I am enrolled. I have reached 70 1/2 years of age. TIAA has indicated that if I rollover my TSP into my TIAA retirement account, that I will not have to make required minimum distribution withdrawals from the TSP funds until I stop working.

Is this correct? If so, is there a specific IRS regulation that relates to such a transfer and its favorable RMD consequences?

A. It is true that RMD are not required from an employer-sponsored plan in which you are an eligible participant. Check IRS Publication 571 for more info.


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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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