Hello. I'm a federal worker with most of my retirement savings in lifecycle funds in a TSP but my wife and I have traditional IRAs and Roth IRAs at Fidelity from prior jobs that are invested in a jumble of various large and small company index funds. Should we transfer our traditional IRAs into my TSP? Or keep our IRAs and make sure they're invested in assets classes that aren't available via the TSP such as REITs and gold so that our overall asset allocation between the TSP and IRAs is diversified? Lastly, if we should keep our IRAs at Fidelity and not transfer them into the TSP, what low cost Fidelity index funds do you recommend we buy? My wife and I have about 12 years to 59.5 years old. Thanks.