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Since you are looking to retire early, realize that your 401K funds can be used at 55 without penalty or SEPP if you are retired. You lose this option if you roll it over to an IRA. If you keep the funds in their own IRA, I believe that some employers will allow you to put the segregated 401K rollover into the current 401K plan. IIRC you lose this option if you comingle your rolled over 401K funds with Traditional IRA money.

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