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I am standing upright and marching forward after surviving a few personal tragedies over the past few years.

That said, one of the first steps in this plan involves streamlining and toward that end, I am looking to consolidate various and sundry 401Ks and IRAs.

One 401K balance was low enough that it just made sense to roll it over into my TSP (Thrift Savings Plan - federal employee version of a 401k).

The other 401K is well into the 6 figures. It seems like an easy decision to roll it over into the TSP since the TSP has lower expenses but is there such a thing as too much consolidation?

I have a Traditional IRA and Roth IRA - haven't contributed to either for several years, for various reasons - but it may now be time to re-look at this - any thoughts on a conversion?

Also, wondering if I need the services of a professional?

Thanks, RS
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