No. of Recommendations: 1
There are three reasons that I would tend to not roll the money into the TSP unless you could come up with some really compelling cost savings.

1) As you get near to retirement you may want to buy individual bonds. When rates change individual bonds behave so much differently than a bond mutual fund that they are almost a different asset class. When you are nearing retirement you may want to either build a bond ladder or buy long term TIPS and you cannot do this in the typical 401k so I would assume that the TSP is the same.

2) When you are near retirement and over 59.5 you might want to do something like buy a retirement home while you are still working. With an IRA you could withdrawal the money while you are still working. I am not sure if the TSP would allow this.

3) You may like the costs and fund selection of the TSP now, but if you have decades until retirement that can change.

... - any thoughts on a conversion?...

The tax rates on the first $50K or so of income is pretty low after your personal exemption and standard deduction. Until you are on track to have more than $50K in taxable retirement income, putting very much into a Roth doesn't always make a lot of sense. Having some money in a Roth is good though, to cover years in retirement when you have a large expense like buying a car.

Once you retire you may be able to do some Roth conversions then and be in a lower tax bracket.

.... Also, wondering if I need the services of a professional?...
That could help, but ask if you don't know just how risky it is to use one that is not "fee only" and charges by the hour Be careful with the ones that charge 1% of you assets each year, over 20 years that adds up to 20% of your current money (more or less).

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