Real ChatGPT answer + Gemini simulation · index seedE91lDJVJwM8completeAI OverviewFinance and banking · retirement accountsinformational
Can you explain how state taxes on retirement income apply when I take distributions from a small business sponsored plan after moving to another state?
ChatGPTgpt-6Geminigemini-3.5-flash-lite3 passes + 1 real-search38 queries10/30/2026
Download run
Gemini unique queries
36
0 in ≥ half the passes · stability 33%
ChatGPT real searches predicted
100%
2 of 2 matched the simulation
Fan-out diagram
Seed → topic clusters → sub-queries, per model.
SEED QUERY
Can you explain how state taxes on retirement income apply when I take distributions from a small business sponsored plan after moving to another state?
36 unique queries · 3 passes
moving residency retirement taxation
9 queries · 9 hits
how are retirement distributions taxed after moving to a new state1xGoogle ↗
REFORMULATION
how are retirement distributions taxed after moving to another state1xGoogle ↗
REFORMULATION
how do state taxes apply to retirement distributions after moving to a new state1xGoogle ↗
REFORMULATION
can my former state tax my retirement distributions if I moved1xGoogle ↗
IMPLICIT
tax implications of taking retirement distributions as a retiree living on a fixed income in a new state1xGoogle ↗
PERSONALIZED
can my former state tax my pension or retirement plan after I move1xGoogle ↗
REFORMULATION
can my former home state tax my pension after I move1xGoogle ↗
REFORMULATION
state tax rules for non-qualified deferred compensation plans after relocation1xGoogle ↗
ENTITY EXPANSION
how to change state tax withholding on 401k distribution after move1xGoogle ↗
REFORMULATION
small business plan nonresident taxes
7 queries · 7 hits
state taxation of 401k and small business retirement plan distributions for nonresidents1xGoogle ↗
ENTITY EXPANSION
state tax on 401k and small business retirement plan distributions residents vs non-residents1xGoogle ↗
ENTITY EXPANSION
difference between source state tax and resident state tax on 401k distributions1xGoogle ↗
COMPARATIVE
small business 401k pension plan distribution state tax rules1xGoogle ↗
ENTITY EXPANSION
tax implications for retired small business owners moving out of state1xGoogle ↗
PERSONALIZED
state tax implications of retiring out of state with 401k income1xGoogle ↗
PERSONALIZED
state tax rules for simple iras sep iras and small business retirement distributions1xGoogle ↗
ENTITY EXPANSION
multi state tax filing requirements
6 queries · 6 hits
moving to another state retirement plan tax comparison1xGoogle ↗
COMPARATIVE
double taxation on retirement income when moving states1xGoogle ↗
COMPARATIVE
how to report retirement income on state tax returns when moving mid year1xGoogle ↗
IMPLICIT
do I need to file state tax returns in two states for retirement income1xGoogle ↗
IMPLICIT
how to report retirement income on nonresident state tax return1xGoogle ↗
IMPLICIT
forum discussion on retiring to another state and retirement account taxation1xGoogle ↗
RELATED
federal laws on source taxation
4 queries · 4 hits
state taxation of retirement income public law 104-951xGoogle ↗
RELATED
federal law prohibiting state taxation of retirement income from another state1xGoogle ↗
RELATED
federal law source tax ban on retirement income public law 104 951xGoogle ↗
REFORMULATION
pension source tax vs resident state tax rules1xGoogle ↗
COMPARATIVE
state withholding rules and calculators
4 queries · 4 hits
state taxation of pension and retirement plan distributions by state1xGoogle ↗
RELATED
state tax calculator for retirement income distributions1xGoogle ↗
RELATED
state withholding rules for pension and retirement plan distributions1xGoogle ↗
ENTITY EXPANSION
tax withholding options for retirement plan distributions in new state1xGoogle ↗
RELATED
states with no retirement tax
3 queries · 3 hits
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)
Classes come from the query-classifier (a local Laya model). 2 of 2 calls are low-confidence (under 50%) — hover a query in the table to see its confidence. 36 queries are still being classified.
What the models actually searched
Each model answered the query with its own web search. These are the searches it ran, matched to the closest simulated query.
ChatGPT2 real searches · gpt-6100% predicted
4 U.S.C. 114 state taxation nonresident retirement income qualified plans SEP SIMPLE 401k IRS state tax Google ↗
state tax retirement distributions moving residency part year domicile retirement income official state tax guidance Google ↗
- Oregon Department of Revenue : Personal Income Tax : Individuals : State of Oregon · oregon.gov
- Income · tax.ohio.gov
- 4 U.S.C. § 114: Limitation on State income taxation of certain pension income · uscode.house.gov
- Senior Citizens and Ohio Income Tax · tax.ohio.gov
- 22-43 · tax.virginia.gov
- 4 U.S.C. § 114 · uscode.house.gov
Semantic map
Every query placed by meaning (EmbeddingGemma 2, 256-d). Shaded regions are topics, nearby points are near-paraphrases, and a circle's size is how often the query came back.
Colour
SimulatedReal search
Hover a query to see its counterpart · click a topic to focus it · zoom with Ctrl/⌘ + scroll, a pinch, double-click or +
Queries
36 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
how are retirement distributions taxed after moving to a new state REFORMULATION | Google ↗ AI Mode ↗ | Understand the general rule for how states tax retirement income when a resident moves from one state to another. | — | web_article | moving residency retirement taxation | 1x of 3 | |
how are retirement distributions taxed after moving to another state REFORMULATION | Google ↗ AI Mode ↗ | Understand the general tax rules for retirement income when a person relocates to a different state. | — | web_article | moving residency retirement taxation | 1x of 3 | |
how do state taxes apply to retirement distributions after moving to a new state REFORMULATION | Google ↗ AI Mode ↗ | Understand the general rule of which state taxes retirement income when a taxpayer relocates. | — | web_article | moving residency retirement taxation | 1x of 3 | |
state taxation of retirement income public law 104-95 RELATED | Google ↗ AI Mode ↗ | Check the federal legislation that prevents former states from taxing retirement income of non-residents. | — | pdf_whitepaper | federal laws on source taxation | 1x of 3 | |
state taxation of pension and retirement plan distributions by state RELATED | Google ↗ AI Mode ↗ | Find a comprehensive overview or list of how different states tax retirement income. | — | comparison_table | state withholding rules and calculators | 1x of 3 | |
state taxation of 401k and small business retirement plan distributions for nonresidents ENTITY EXPANSION | Google ↗ AI Mode ↗ | Determine if source state or resident state taxes distributions from small business retirement plans. | — | faq_page | small business plan nonresident taxes | 1x of 3 | |
which states do not tax retirement income IMPLICIT | Google ↗ AI Mode ↗ | Find a list of states that have no state income tax or specifically exempt retirement income to evaluate the destination state. | — | comparison_table | states with no retirement tax | 1x of 3 | |
federal law prohibiting state taxation of retirement income from another state RELATED | Google ↗ AI Mode ↗ | Find out if federal legislation prevents states from taxing retirement income earned elsewhere. | — | glossary/definition | federal laws on source taxation | 1x of 3 | |
can my former state tax my retirement distributions if I moved IMPLICIT | Google ↗ AI Mode ↗ | Determine if the source state retains any taxing authority over retirement withdrawals after establishing residency elsewhere. | — | faq_page | moving residency retirement taxation | 1x of 3 | |
state tax on 401k and small business retirement plan distributions residents vs non-residents ENTITY EXPANSION | Google ↗ AI Mode ↗ | Determine if small business sponsored plans have different state tax rules compared to standard IRAs or 401ks. | — | faq_page | small business plan nonresident taxes | 1x of 3 | |
states with no income tax on retirement distributions IMPLICIT | Google ↗ AI Mode ↗ | Identify tax-friendly states for retirees taking income distributions. | — | comparison_table | states with no retirement tax | 1x of 3 | |
difference between source state tax and resident state tax on 401k distributions COMPARATIVE | Google ↗ AI Mode ↗ | Compare how source states and new resident states assert taxing rights over employer-sponsored retirement plans. | — | web_article | small business plan nonresident taxes | 1x of 3 | |
moving to another state retirement plan tax comparison COMPARATIVE | Google ↗ AI Mode ↗ | Compare tax burdens on retirement distributions between the origin state and destination state. | — | calculator/tool | multi state tax filing requirements | 1x of 3 | |
double taxation on retirement income when moving states COMPARATIVE | Google ↗ AI Mode ↗ | Learn how to avoid paying taxes to two different states on the same retirement distribution. | — | how_to_steps | multi state tax filing requirements | 1x of 3 | |
small business 401k pension plan distribution state tax rules ENTITY EXPANSION | Google ↗ AI Mode ↗ | Check if small business-sponsored plans have different state tax rules compared to standard IRA or large corporate plans. | — | pdf_whitepaper | small business plan nonresident taxes | 1x of 3 | |
tax implications of taking retirement distributions as a retiree living on a fixed income in a new state PERSONALIZED | Google ↗ AI Mode ↗ | Understand how taking lump-sum or periodic distributions affects overall tax brackets in a new home state. | — | buyers_guide | moving residency retirement taxation | 1x of 3 | |
tax implications for retired small business owners moving out of state PERSONALIZED | Google ↗ AI Mode ↗ | Explore unique tax scenarios faced specifically by former small business owners with sponsored plans. | — | case_study | small business plan nonresident taxes | 1x of 3 | |
state tax implications of retiring out of state with 401k income PERSONALIZED | Google ↗ AI Mode ↗ | Get practical guidance tailored to a retiree who has relocated to a different state. | — | how_to_steps | small business plan nonresident taxes | 1x of 3 | |
can my former state tax my pension or retirement plan after I move REFORMULATION | Google ↗ AI Mode ↗ | Clarify whether the state where the small business was located retains any taxing authority after relocation. | — | web_article | moving residency retirement taxation | 1x of 3 | |
can my former home state tax my pension after I move REFORMULATION | Google ↗ AI Mode ↗ | Clarify source-state taxation rights on retirement payouts after moving away. | — | forum/qna | moving residency retirement taxation | 1x of 3 | |
federal law source tax ban on retirement income public law 104 95 REFORMULATION | Google ↗ AI Mode ↗ | Verify federal protections that prevent former states from taxing certain retirement income of non-residents. | — | glossary/definition | federal laws on source taxation | 1x of 3 | |
state tax rules for simple iras sep iras and small business retirement distributions ENTITY EXPANSION | Google ↗ AI Mode ↗ | Identify specific tax treatment for common small business retirement vehicles like SEP or SIMPLE IRAs across state lines. | — | glossary/definition | small business plan nonresident taxes | 1x of 3 | |
state tax rules for non-qualified deferred compensation plans after relocation ENTITY EXPANSION | Google ↗ AI Mode ↗ | Understand how specific small business deferred compensation or specialized plans are taxed across state lines. | — | pdf_whitepaper | moving residency retirement taxation | 1x of 3 | |
states with no income tax for retirement distributions RELATED | Google ↗ AI Mode ↗ | Identify tax-friendly states for retirees taking regular plan distributions. | — | buyers_guide | states with no retirement tax | 1x of 3 | |
how to report retirement income on state tax returns when moving mid year IMPLICIT | Google ↗ AI Mode ↗ | Find step-by-step guidance on filing part-year resident tax returns when distributions occur before and after a move. | — | how_to_steps | multi state tax filing requirements | 1x of 3 | |
state tax calculator for retirement income distributions RELATED | Google ↗ AI Mode ↗ | Estimate potential state tax liabilities on retirement distributions across different states. | — | calculator/tool | state withholding rules and calculators | 1x of 3 | |
do I need to file state tax returns in two states for retirement income IMPLICIT | Google ↗ AI Mode ↗ | Understand dual-state filing requirements during the year of relocation. | — | checklist | multi state tax filing requirements | 1x of 3 | |
state income tax residency rules for retirees RELATED | Google ↗ AI Mode ↗ | Learn the legal definition of domicile and statutory residency to determine when state tax obligations change. | — | web_article | florida retirement income tax rules | 1x of 3 | |
moving to florida retirement income tax rules RELATED | Google ↗ AI Mode ↗ | Check specific destination state tax rules for incoming retirees. | — | web_article | florida retirement income tax rules | 1x of 3 | |
state withholding rules for pension and retirement plan distributions ENTITY EXPANSION | Google ↗ AI Mode ↗ | Learn how state tax withholding is handled by plan administrators when moving across state lines. | — | faq_page | state withholding rules and calculators | 1x of 3 | |
tax withholding options for retirement plan distributions in new state RELATED | Google ↗ AI Mode ↗ | Figure out how to change state tax withholding on ongoing retirement distributions after changing addresses. | — | checklist | state withholding rules and calculators | 1x of 3 | |
how to report retirement income on nonresident state tax return IMPLICIT | Google ↗ AI Mode ↗ | Learn the mechanical filing procedures for state taxes on retirement distributions after a move. | — | how_to_steps | multi state tax filing requirements | 1x of 3 | |
moving to florida retirement income state tax rules COMPARATIVE | Google ↗ AI Mode ↗ | Examine a specific state relocation scenario involving zero income tax. | — | case_study | florida retirement income tax rules | 1x of 3 | |
pension source tax vs resident state tax rules COMPARATIVE | Google ↗ AI Mode ↗ | Compare the jurisdiction of the state where the pension was earned versus the state where the taxpayer currently lives. | — | glossary/definition | federal laws on source taxation | 1x of 3 | |
how to change state tax withholding on 401k distribution after move REFORMULATION | Google ↗ AI Mode ↗ | Find instructions on updating state tax withholdings with a retirement plan administrator. | — | how_to_steps | moving residency retirement taxation | 1x of 3 | |
forum discussion on retiring to another state and retirement account taxation RELATED | Google ↗ AI Mode ↗ | Read real-world experiences and peer advice from other retirees who moved states while drawing from business plans. | — | forum/qna | multi state tax filing requirements | 1x of 3 |
Passes
Does another pass still surface new queries? A flattening curve means the fan-out has stabilised.
Geminix = pass, y = cumulative unique queries
| Model | Pass | Target | Generated | Seconds | Tokens (in / out) | Notes |
|---|---|---|---|---|---|---|
| gemini-3.5-flash-lite | 1 | 12 | 12 | — | 925 / 1,490 | |
| gemini-3.5-flash-lite | 2 | 12 | 12 | — | 925 / 1,542 | |
| gemini-3.5-flash-lite | 3 | 12 | 12 | — | 925 / 1,553 |