I need help rolling over my old 401k from my previous employer into an IRA, and I want to know the exact steps to avoid any tax penalties since I live in Massachusetts.
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Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
I need help rolling over my old 401k from my previous employer into an IRA, and I want to know the exact steps to avoid any tax penalties since I live in Massachusetts.
3 real searches · 1 real-search pass
IRS rollover chart 401(k) to IRA direct rollover 20% withholding 60 day rule 2026Google ↗
OBSERVEDConsequence
Massachusetts Department of Revenue rollover 401(k) IRA tax treatment direct rolloverGoogle ↗
OBSERVEDComparison
IRS retirement plans FAQs rollovers 401k IRA required minimum distributions employer stock net unrealized appreciationGoogle ↗
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 (3)
Classes come from the query-classifier (a local Laya model). 3 of 3 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.
Searches and sources
ChatGPT3 real searches · gpt-6
IRS rollover chart 401(k) to IRA direct rollover 20% withholding 60 day rule 2026 Google ↗
Massachusetts Department of Revenue rollover 401(k) IRA tax treatment direct rollover Google ↗
IRS retirement plans FAQs rollovers 401k IRA required minimum distributions employer stock net unrealized appreciation Google ↗
Queries
3 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
IRS rollover chart 401(k) to IRA direct rollover 20% withholding 60 day rule 2026 OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 | |
Massachusetts Department of Revenue rollover 401(k) IRA tax treatment direct rollover OBSERVED | Google ↗ AI Mode ↗ | — | Comparison | — | — | 1x of 1 | |
IRS retirement plans FAQs rollovers 401k IRA required minimum distributions employer stock net unrealized appreciation OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 |