Age-. The general rule in the industry is that once an A/C unit reaches 10-15 years, the idea of replacing the unit is usually a much better investment than putting money into an older system. If your system is at this threshold, it's usually wise to begin expecting, not wondering, when the system will fail.
You can keep the money in the TSP after you leave your federal job to benefit from the low fees, or you can roll over the money into an IRA or a new employer's 401(k), 403(b) or 457.
To complete a rollover, you take a distribution from your SEP IRA and within 60 days deposit the money into an eligible retirement account. You're not allowed to roll the money into a SIMPLE IRA or a Roth 401(k) or Roth 403(b).