If your pension plan offers a lump sum payout, you should be able to just have them send you a check (or rather, send a check to a bank or brokerage account for you).
That would skip the 401(k). Any withdrawal you make from a 401(k), 403(b), 457 or IRA before 59 1/2 is subject to the penalty unless you use the somewhat arcane but legal Rule 72t.
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