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My thanks to everyone who has posted. I wanted to clarify a few things:

1. My 401(k) is with a soon to be former employer (tomorrow) which does offer options other than SP500. I have been comfortable picking stocks for some time but tend to use 401(k) money to dollar cost average into that index. I will have another employer and do this there.

2. I do not know if my current 401(k) employer has a brokerage window, and am not familiar with that term.

3. My intent is not to roll the money into a Roth. We have existing Roths now which aggregate maybe 17% of retirement funds.

4. The intent to start taking SEPPs from traditional IRAs is exactly the kind of thing I was thinking about. I hit 55 in under 7 years, so that window aligns with potential (relatively) early retirement.

5. We will have three kids in college for two years, probably 2015-16, and this might lead us to accelerate a little "harvesting" from retirement accounts. If we do this, I know Roth principal contributions are an option but would prefer to allow this to grow tax free if practical.

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