Rolling Over TSP to a Roth, Retirement Spending Trends, and Roth Conversions: Q&A #2014

April 4, 2020

Rolling Over TSP to a Roth, Retirement Spending Trends, and Roth Conversions: Q&A #2014

Jim calls into the studio today as he and Chris answer listener’s questions about rolling over a TSP into a Roth IRA, retirement spending trends, Roth conversions, and more.

(11:55) A listener asks about rolling over tax exempt (combat zone earned) funds from a TSP to a Roth.

(41:40) A Floridian wonders what is Jim and Chris’s experience with clients’ spending trends.

(50:40) A California listener would like to know if defined contribution plans are considered pension plans in calculating Social Security benefits and WEP.

(1:01:50) Jim and Chris answer two questions (even though Jim initially mentions three), both very similar in nature: Should I convert to a Roth?

(1:01:50) A Texan first asks if he can and should delay his pension past age 62.  He then asks if he should convert to a Roth during his tax planning window.

(1:10:20) Likewise, another listener poses some options regarding Roth conversions and wonders if he should convert; if so, what would be the best way?

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Jim Saulnier and Associates | 970-530-0556 | 506 East Mulberry Street, Fort Collins, Colorado 80524

Jim Saulnier, Registered Representative, Securities offered through Cambridge Investment Research, Inc., a Broker/Dealer, Member FINRA/SIPC to residents of: CO, IA, IN, MA, NY, TN, TX, WI and WY. No offers may be made to or accepted from any resident outside the specific states mentioned. Jim Saulnier, Investment Advisor Representative, Cambridge Investment Research Advisors, Inc., a Registered Investment Advisor. Financial Planning services offered through Jim Saulnier and Associates, LLC., a Registered Investment Advisor. Cambridge and Jim Saulnier & Associates, LLC are not affiliated.