To Roll or Not to Roll

[jon]

What would you do regarding keeping a small TSP account 40k, if you had retired at age 63 and will turn 65 in 10/08? The limited IFT's and other aspects of how trades are executed makes me feel its foolish to keep $ in TSP. I opened an IRA and Roth IRA with Scottrade in Feb 08 with minimum balances, but with no earnings income now, I'm not sure if that affects rolling over all of, or installments of TSP account into one or both IRA accounts. I am divorced and living month to month from my OPM retirement and SS and have no debt. I know there will be tax consequences of withdrawals from IRA's but that seems better than funds so restriced in TSP. Thanks for your comments and suggestions. (No matter what, you can't get rid of me even if I close my TSP. TSPtalk has great people and info.)