Contact your 401(k) plan administrator or HR department
Log in to your retirement account online
Review your plan’s withdrawal, loan, and rollover rules
Check whether you are eligible for a hardship withdrawal, loan, or in-service distribution
Submit the required request forms or online withdrawal application
Provide any needed identification or supporting documents
Choose how you want the funds sent or rolled over
Confirm tax withholding and penalty details before submitting
Wait for approval and processing of your request
Keep copies of all confirmations and account records