What are the current IRS penalties for exceeding the annual contribution limits on a Coverdell ESA, and how can I correct an overfunding issue with my brokerage near Lewisville?
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The searches the AI actually ran for this prompt.
SEED QUERY
What are the current IRS penalties for exceeding the annual contribution limits on a Coverdell ESA, and how can I correct an overfunding issue with my brokerage near Lewisville?
1 real search · 1 real-search pass
IRS 2026 Coverdell ESA excess contributions 6% excise tax correction withdraw excess June 1 Form 5329 Publication 970Google ↗
OBSERVEDReason
Badge and edge weight = share of passes that produced the query. Hover a query for its intent and routing format.
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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 2026 Coverdell ESA excess contributions 6% excise tax correction withdraw excess June 1 Form 5329 Publication 970 Google ↗