Can my parents transfer the remaining funds in my Coverdell ESA into my younger siblings account without getting hit with a tax penalty
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
Can my parents transfer the remaining funds in my Coverdell ESA into my younger siblings account without getting hit with a tax penalty
1 real search · 1 real-search pass
IRS Coverdell ESA change beneficiary sibling family member tax free rollover rules Publication 970 2025Google ↗
OBSERVEDReason
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 (1)
Classes come from the query-classifier (a local Laya model). 1 of 1 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.
Searches and sources
ChatGPT1 real searches · gpt-6
IRS Coverdell ESA change beneficiary sibling family member tax free rollover rules Publication 970 2025 Google ↗