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.
Conversions. You cannot roll over funds from a traditional IRA to a Roth IRA without first taking an RMD, if one is due. RMDs are not eligible to be rolled over to another retirement account, but they can be used for any other purpose.So after you withdraw the annual RMD and pay taxes on it, you can roll over any or all of the remaining funds in the IRA to a Roth IRA.The amount of the conversion will be subject to income tax in the year that the rollover is made. You may want to consider using funds from the RMD to help pay taxes on the conversion.MDs are not eligible to be rolled over to another retirement account, but they can be used for any other purpose. So after you withdraw the annual RMD and pay taxes on it, you can roll over any or all of the remaining funds in the IRA to a Roth IRA.