Q.: I have about $2 million in my TRS TDA account. My account is subject to annual Required Minimum Distributions. I've found this annual calculation to be overbearing. My financial planner suggests that I convert my TDA account into a second TRS defined-benefit pension. What is your opinion? S. G.
A.: TRS gives you the option to convert your Tax-Deferred Annuity account into a second Teachers' Retirement System pension. I strongly recommend against doing this, and here are two of my reasons:
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