The problem, according to Sen. Herb Kohl (D-Wis.), chairman of the Senate Special Committee on Aging, is that the ads mislead people who are retiring that it is imperative for them to roll their TSP money into an IRA, The Wall Street Journal reports. The reality, Kohl says, is that the TSP charges a mere 15 cents for every $1,000 in the plans, and that might be a better choice for investors.