Real ChatGPT answer · index seedWKGXBQVWsVccompleteFinance and banking · retirement accountscommercial

Which is better for my estate planning goals: leaving my children a Roth IRA or a traditional IRA?

ChatGPTgpt-63 queries10/31/2026
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The searches the AI actually ran for this prompt.

SEED QUERY
Which is better for my estate planning goals: leaving my children a Roth IRA or a traditional IRA?
3 real searches · 1 real-search pass
IRS inherited IRA 10-year rule designated beneficiaries Roth IRA distributions tax free five year rule 2026Google ↗
OBSERVEDReason
IRS Publication 590-B inherited Roth IRA traditional IRA beneficiary 10-year ruleGoogle ↗
OBSERVEDReason
IRS Roth conversion tax estate planning heirs compare traditional IRA tax rates heirsGoogle ↗
OBSERVEDComparison

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)
Short factOther / navigationalComparison33%ConsequenceReason67%DefinitionInstructionYes / no

Classes come from the query-classifier (a local Laya model). 2 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 inherited IRA 10-year rule designated beneficiaries Roth IRA distributions tax free five year rule 2026 Google ↗
IRS Publication 590-B inherited Roth IRA traditional IRA beneficiary 10-year rule Google ↗
IRS Roth conversion tax estate planning heirs compare traditional IRA tax rates heirs Google ↗
  1. Publication 590-B · irs.gov
  2. beneficiary guidance · irs.gov

Queries

3 queries · click a column to sort
Query / typeSearchIntentQuery classRouting formatClusterFreq ↓Weight
IRS inherited IRA 10-year rule designated beneficiaries Roth IRA distributions tax free five year rule 2026
OBSERVED
Google ↗
AI Mode ↗
—Reason——1x
of 1
IRS Publication 590-B inherited Roth IRA traditional IRA beneficiary 10-year rule
OBSERVED
Google ↗
AI Mode ↗
—Reason——1x
of 1
IRS Roth conversion tax estate planning heirs compare traditional IRA tax rates heirs
OBSERVED
Google ↗
AI Mode ↗
—Comparison——1x
of 1