Real ChatGPT answer · index seedWZQsRyt0wWMcompleteFinance and banking · retirement accountsinformational

Can you help me figure out how to consolidate four different retirement accounts across three brokers without triggering a massive tax bill?

ChatGPTgpt-63 queries10/31/2026
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Fan-out diagram

The searches the AI actually ran for this prompt.

SEED QUERY
Can you help me figure out how to consolidate four different retirement accounts across three brokers without triggering a massive tax bill?
3 real searches · 1 real-search pass
IRS rollover chart IRA 401k direct rollover trustee to trustee Roth traditional tax treatmentGoogle ↗
OBSERVED
IRS Publication 590-A IRA transfers trustee-to-trustee rollover 60 day rule withholdingGoogle ↗
OBSERVED
IRS retirement plans rollovers direct rollover IRA trustee to trustee transfer tax rules Roth conversion pro rata rule 2026Google ↗
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 rollover chart IRA 401k direct rollover trustee to trustee Roth traditional tax treatment Google ↗
IRS Publication 590-A IRA transfers trustee-to-trustee rollover 60 day rule withholding Google ↗
IRS retirement plans rollovers direct rollover IRA trustee to trustee transfer tax rules Roth conversion pro rata rule 2026 Google ↗

Queries

3 queries · click a column to sort
Query / typeSearchIntentQuery classRouting formatClusterFreq ↓Weight
IRS rollover chart IRA 401k direct rollover trustee to trustee Roth traditional tax treatment
OBSERVED
Google ↗
AI Mode ↗
————1x
of 1
IRS Publication 590-A IRA transfers trustee-to-trustee rollover 60 day rule withholding
OBSERVED
Google ↗
AI Mode ↗
————1x
of 1
IRS retirement plans rollovers direct rollover IRA trustee to trustee transfer tax rules Roth conversion pro rata rule 2026
OBSERVED
Google ↗
AI Mode ↗
————1x
of 1