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Be ever so mindful of the handling of 401k funds if you decide to withdraw.

The only way you can avoid major tax bite and potential early withdrawal penalty is to roll over into a traditional IRA and you can re-characterize later to a Roth if you desire. Going to a broker is good advice because you can designate, buy, sell within that IRA (be watchful of fees). Having a check made out to you personally requires that the account deduct 20%(?) in taxes. You would also have a time limit to activate the IRA (60 or 90 days), and you likely would need to make up the 20% to avoid penalty.
Have the check made out to your broker, IRA administrator handling your account.

If your Vanguard account is not over $10k you may want to roll over one 401k account to Vanguard to avoid / lower the maintenance fee.

Hope this helps.

HaGD, L2J
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