Real ChatGPT answer · index seed5MY2RA9DUPgcompleteFinance and banking · investing and brokeragescommercial

What steps should I follow to transfer my old 401k into a rollover IRA at Charles Schwab without making a mistake?

ChatGPTgpt-62 queries10/31/2026
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Fan-out diagram

The searches the AI actually ran for this prompt.

SEED QUERY
What steps should I follow to transfer my old 401k into a rollover IRA at Charles Schwab without making a mistake?
2 real searches · 1 real-search pass
Charles Schwab rollover IRA direct rollover instructions check payable FBO account number 401kGoogle ↗
OBSERVEDInstruction
IRS rollover chart 401k to IRA 60 day withholding 20 percent Roth 401k rollover traditional Roth IRAGoogle ↗
OBSERVEDComparison

Badge and edge weight = share of passes that produced the query. Hover a query for its intent and routing format.

Query classes

Google's semantic query class for every sub-query: what kind of answer each search is after, simulated vs real.

ChatGPT real searches (2)
Short factOther / navigationalComparison50%ConsequenceReasonDefinitionInstruction50%Yes / no

Classes come from the query-classifier (a local Laya model). 1 of 2 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.

Searches and sources

ChatGPT2 real searches · gpt-6
Charles Schwab rollover IRA direct rollover instructions check payable FBO account number 401k Google ↗
IRS rollover chart 401k to IRA 60 day withholding 20 percent Roth 401k rollover traditional Roth IRA Google ↗

Queries

2 queries · click a column to sort
Query / typeSearchIntentQuery classRouting formatClusterFreq ↓Weight
Charles Schwab rollover IRA direct rollover instructions check payable FBO account number 401k
OBSERVED
Google ↗
AI Mode ↗
—Instruction——1x
of 1
IRS rollover chart 401k to IRA 60 day withholding 20 percent Roth 401k rollover traditional Roth IRA
OBSERVED
Google ↗
AI Mode ↗
—Comparison——1x
of 1