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I've researched this a bit and would like to get some input.

I've been maxing out my 401k since 1997 at the same company/401k plan, and plan to continue until I'm 45 in 2019. Then I'd like to take about 5+ years off, and then come back to work at 50 or maybe a little later and work until 55 then fully retire. (Assuming my company is still around and willing to hire me)

I'm assuming even if I came back to work for one day at the age of 55 and quit, I'd be eligible for penalty free withdraws. (Without having to use SEP withdraws).

Curious if there is some sort of length of employment requirement beyond just being over 55 when one retires.

My alternative is SEP but looking for other options.

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