Real ChatGPT answer · index seedIdD4ixmsfWAcompleteFinance and banking · retirement accountscommercial
I am trying to move my old employer 401k to an IRA without getting hit by hidden fees, which low cost broker is best for this right now
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Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
I am trying to move my old employer 401k to an IRA without getting hit by hidden fees, which low cost broker is best for this right now
4 real searches · 1 real-search pass
2026 current Fidelity rollover IRA fees account fees transfer closing fee officialGoogle ↗
OBSERVEDConsequence
2026 Charles Schwab rollover IRA fees account fees transfer out fee officialGoogle ↗
OBSERVEDConsequence
2026 Vanguard rollover IRA fees account service fee transfer out fee officialGoogle ↗
OBSERVEDReason
IRS direct rollover 401k to traditional IRA tax withholding 20 percent officialGoogle ↗
OBSERVEDConsequence
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 (4)
Classes come from the query-classifier (a local Laya model). 4 of 4 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.
Searches and sources
ChatGPT4 real searches · gpt-6
2026 current Fidelity rollover IRA fees account fees transfer closing fee official Google ↗
2026 Charles Schwab rollover IRA fees account fees transfer out fee official Google ↗
2026 Vanguard rollover IRA fees account service fee transfer out fee official Google ↗
IRS direct rollover 401k to traditional IRA tax withholding 20 percent official Google ↗
- Rollover Old 401(k) | IRA Rollover Steps · fidelity.com
- Rollover IRA · schwab.com
- Pricing | Account Fees · schwab.com
- 401k rollover to an IRA · investor.vanguard.com
- Fidelity Rollover IRA · fidelity.com
- Schwab Rollover IRA · schwab.com
- Rollovers of retirement plan and IRA distributions · irs.gov
Queries
4 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
2026 current Fidelity rollover IRA fees account fees transfer closing fee official OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 | |
2026 Charles Schwab rollover IRA fees account fees transfer out fee official OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 | |
2026 Vanguard rollover IRA fees account service fee transfer out fee official OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
IRS direct rollover 401k to traditional IRA tax withholding 20 percent official OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 |