Real ChatGPT answer · index seedHEZ7fTSAxy0completeEducation · financial aid and scholarshipscomparison
What happens to my unused 529 plan balance if my youngest child decides not to attend college and I want to roll it over into a Roth IRA?
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The searches the AI actually ran for this prompt.
SEED QUERY
What happens to my unused 529 plan balance if my youngest child decides not to attend college and I want to roll it over into a Roth IRA?
2 real searches · 1 real-search pass
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.
Searches and sources
ChatGPT2 real searches · gpt-6
IRS 529 plan to Roth IRA rollover rules 15 years 35000 annual contribution limit 2026 Google ↗
SECURE 2.0 529 to Roth IRA rollover IRS guidance beneficiary 5 year contributions Google ↗
- Publication 590-A (2025), Contributions to Individual Retirement Arrangements (IRAs) · irs.gov
- Topic no. 313, Qualified tuition programs (QTPs) · irs.gov
- 529 rollover to Roth IRA: 2026 rules, steps and penalties · investor.vanguard.com
- Publication 970 (2025), Tax Benefits for Education · irs.gov
- 2025 Instructions for Form FTB 3805P · ftb.ca.gov
- Summary of Federal Income Tax Changes · ftb.ca.gov
- 2025 FTB Publication 1005 Pension and Annuity Guidelines · ftb.ca.gov
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
IRS 529 plan to Roth IRA rollover rules 15 years 35000 annual contribution limit 2026 OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
SECURE 2.0 529 to Roth IRA rollover IRS guidance beneficiary 5 year contributions OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 |