Destination: Roth IRA

August 5, 2013 — This week on For Your Benefit, hosts Bob Leins and Tammy Flanagan discuss how to transfer a Voluntary Contribution account as well as a traditional IRA to a Roth IRA without incurring an income tax.

Click here for this show’s information guide and please print this out before listening to the show.

Bob and Tammy begin with a discussion of the Voluntary Contribution account and follow its path to a Roth IRA.

After this, they address the intricacies of transferring traditional IRA funds to a Roth IRA tax-free.

This is an annual show that provides clear instruction as well as a reference for later use.


You may email any questions you have on this topic to

Voluntary Contributions refers in this instance to payments CSRS employees may make to the Civil Service Trust Fund, where they can earn tax-deferred interest on some of their savings for retirement. FERS employees are not eligible to participate in this program.