Real ChatGPT answer · index seedTReu9nU6d5EcompleteFinance and banking · retirement accountsinformational
What forms do I need to submit to correct an accidental over-contribution to my Roth IRA, and will the IRS charge interest or penalties on top of broker fees?
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The searches the AI actually ran for this prompt.
SEED QUERY
What forms do I need to submit to correct an accidental over-contribution to my Roth IRA, and will the IRS charge interest or penalties on top of broker fees?
3 real searches · 1 real-search pass
IRS excess Roth IRA contribution remove by tax filing deadline Form 5329 Form 1099-R corrective distribution 2025 2026Google ↗
OBSERVED
IRS Publication 590-A excess contributions Roth IRA 6% excise tax Form 5329 recharacterize contributionGoogle ↗
OBSERVED
SECURE 2.0 corrective distribution earnings 10% additional tax excess IRA contribution deadline IRSGoogle ↗
OBSERVED
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.
Classifying 3 queries…
Searches and sources
ChatGPT3 real searches · gpt-6
IRS excess Roth IRA contribution remove by tax filing deadline Form 5329 Form 1099-R corrective distribution 2025 2026 Google ↗
IRS Publication 590-A excess contributions Roth IRA 6% excise tax Form 5329 recharacterize contribution Google ↗
SECURE 2.0 corrective distribution earnings 10% additional tax excess IRA contribution deadline IRS Google ↗
Queries
3 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
IRS excess Roth IRA contribution remove by tax filing deadline Form 5329 Form 1099-R corrective distribution 2025 2026 OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 | |
IRS Publication 590-A excess contributions Roth IRA 6% excise tax Form 5329 recharacterize contribution OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 | |
SECURE 2.0 corrective distribution earnings 10% additional tax excess IRA contribution deadline IRS OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 |