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Federal Employees Benefits Q &A

Do you have questions about your federal employee CSRS or FERS pension/annuity or federal employee retirement planning? Concerns about your Thrift Savings Plan (TSP) account or what about federal employee pay and leave issues?

Ask your question here.

The Q&A forum is moderated by Ed Zurndorfer -- an expert on federal employee benefits -- and a Certified Financial Planner, chartered life underwriter and chartered financial consultant in Maryland.

Zurndorfer is also the author of several federal employee benefits guides published by Federal Employees News Digest.

Your question will be put into a message queue and submitted for review. We cannot guarantee that all questions will be answered, however any answered questions will appear below, and some will also be featured in our daily Federal Daily e-newsletter (Subscribe here). Members of Federal Soup will not be able to submit replies to the questions posted, as we leave the replies for the moderator only.

Please do not submit employee benefits questions to the webmaster or the forum moderator.

Note: FederalSoup.com has attempted to compile information that is as accurate and current as possible for federal employees. Federal policies, laws, regulations, statistics and addresses continually change. Therefore, no warranties are made as to the accuracy or completeness of the information presented in this column. If additional clarification or information is needed, it is suggested that competent and professional assistance be sought. Mr. Zurndorfer does not moderate other forums on FederalSoup and will not reply to general FederalSoup inquiries submitted in this Q&A forum.

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#1 Posted : Wednesday, April 11, 2012 2:17:34 AM(UTC)

Rank: Newbie

Groups: Registered
Joined: 4/4/2012(UTC)
Posts: 3

Ed, Here's my questions...
1. I start to add my employee contributions to the new Roth TSP in the coming weeks. In 7 years I retire. I then want to move only my Roth TSP (several reasons including avoiding RMD at 70 1/2) to a Vanguard Roth account but leave the traditional pretax TSP money in the TSP. Is that possible? Or is it an all or nothing decision (move Roth TSP money to Vanguard Roth and pretax TSP money to Vanguard IRA).
2. If I do leave the money in the TSP when I do withdrawals will I be able to designate which (Roth or regular) account the money comes out of?
Thanks Ed. Tongue
Ed Zurndorfer  
#2 Posted : Thursday, April 12, 2012 6:31:35 AM(UTC)
Ed Zurndorfer

Rank: Senior Member

Groups: Registered
Joined: 9/10/2001(UTC)
Posts: 4,414

After you retire in seven years, you will be able to move your entire Roth TSP account to a "rollover" Roth IRA with Vanguard. You will be able to leave your traditional TSP account in the TSP. If you leave all of your money in the TSP (both your traditional and Roth TSP accounts), you will be able to make separate withdrawals (designate which account the withdrawals will come from). 

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