Have you been launched and decided to retire. This decision can cost you, retiring too soon can make you eligible for the 10% penalty on early plan payouts. For the 72T calculation you must be 55 or older in the year you leave the job to escape the penalty.
According to the court case: if you retire at age 53 and wait until you are 55 to take your money from the plan of your former employer, the penalty is due. The separation date is the determining factor, not the distribution date
Watson, TC Summ. Op. 2011-113