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[TSPStrategy] 20% tax on withdrawals

Just asking how others handle this.  My plan was to pull out a "lump sum" every Nov/Dec knowing I'd be able to get back some of the taxes when I file the next year.  Now, I'm thinking it may just be smarter to transfer the funds into a my IRA - then withdraw from the IRA.  Still would eventually have to pay the taxes, but would have the flexibility to lower the tax rate.  TSP withdrawal is locked in at 20% (for me).  My financial institution lets me set the rate.  What do ya'll think? 
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