<prompt> Human: I recently started working as a Federal Employee and now have access to the TSP. My initial plan was to roll my Traditional IRA of about 8k American Funds into my Traditional TSP L Fund. When I called my American Funds financial adviser to do this transaction, they mentioned I should roll that into my current Roth IRA American Funds worth about 6k and making the total 15k in my Roth IRA with American Funds. His argument: Since I was already investing more heavily into the TSP at 5 and only 150month to my Roth, id eventually equal a good medium towards my retirement 35 years from now where I have a good amount of money in my Pre-Tax and Post-Tax contributions in case the tax rate in the future is much higher or much lower. I agreed with him initially until I thought about the tax hit ill take of about 1500 rolling my Traditional into the Roth. Not really sure what to do at this point, should I roll that the 8k into my TSP and save myself from the Tax hit? or do what he says and roll that into an IRA since its pretty hard to tell what taxes will be like 35 years from now? Maybe there is an option im not thinking about. I know the fees for TSP are much lower however he also mentioned that with American Funds the funds are actively managed human interaction whereas with the TSP its more of a passive management more computer algorithms. I take all advice on this sub with deep gratitude since Ive already learned so much and even turned my entire financial life around to where Im able to take vacations which I could never do before. I also take criticism very well, if im messing up just say so, ill find a way to better my financial situation with that. edit: Wanted to add the reason I ever started with American Funds was because of a friend. Im currently on Step 4a of How to handle and I know Vanguard and others have lower fees. Like I said, it was because of a friend whos no longer part of the American Funds community so leaving wouldnt be a problem if thats whats best.  <response>: His argument: since I was already investing more heavily into the TSP at 5 and only 150month to my Roth, id eventually equal a good medium towards my retirement 35 years from now where I have a good amount of money in my Pre-Tax and Post-Tax contributions in case the tax rate in the future is much higher or much lower.Does he not even realize that you have a Roth option within your TSP as well? If youre not exceeding the 18,000 yearly Defined Contribution limit, you dont even need to contribute to a Roth IRA, since the TSPs fund expenses are lower than almost anything else you can get as a retail investor.Dump American Funds already and transfer everything except your Roth IRA into the TSP. The TSP unfortunately cannot accept Roth IRA rollovers, so my suggestion for your Roth IRA would be to roll that money over to Vanguard, Fidelity, or Schwab, and use one of their index-based Target Date funds in conjunction with the L fund of your choice within the TSP. 