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Qualified accounts are unique in that they are tax-favored retirement accounts. One of the benefits on having a qualified account, like a 401(k), TSP, or 403(b), is that they can be rolled over into a personal IRA, provided you are age 59.5 and your plan permits such. Once under your control as your IRA, you have the ability to determine how you want that money diversified, whether it be self-managed, through an advisor, or through a broker. Like all qualified accounts, 72.5 triggers Required Minimum Distributions (“RMDs”). It’s important to seek assistance from a qualified financial professional regarding any IRA rollers you are considering, as well as how to calculate and deal with the tax consequences of RMDs