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Real ChatGPT answer · index seedX4ONqy5St9UcompleteFinance and banking · retirement accountsinformational

I have accounts at three different brokerages from past jobs and need a simple guide on whether I should consolidate them or leave them alone.

ChatGPTgpt-62 queries10/31/2026
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The searches the AI actually ran for this prompt.

SEED QUERY
I have accounts at three different brokerages from past jobs and need a simple guide on whether I should consolidate them or leave them alone.
2 real searches · 1 real-search pass
IRS rollover chart 401k IRA direct rollover tax withholding Roth traditional 2026Google ↗
OBSERVED
FINRA old 401k options leave plan rollover IRA fees protections age 55 ruleGoogle ↗
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 2 queries…

Searches and sources

ChatGPT2 real searches · gpt-6
IRS rollover chart 401k IRA direct rollover tax withholding Roth traditional 2026 Google ↗
FINRA old 401k options leave plan rollover IRA fees protections age 55 rule Google ↗
  1. Retirement topics - Termination of employment · irs.gov
  2. Publication 590-A (2025), Contributions to Individual Retirement Arrangements (IRAs) · irs.gov
  3. Rollovers of retirement plan and IRA distributions · irs.gov
  4. Topic no. 413, Rollovers from retirement plans · irs.gov

Queries

2 queries · click a column to sort
Query / typeSearchIntentQuery classRouting formatClusterFreq ↓Weight
IRS rollover chart 401k IRA direct rollover tax withholding Roth traditional 2026
OBSERVED
Google ↗
AI Mode ↗		————1x
of 1
FINRA old 401k options leave plan rollover IRA fees protections age 55 rule
OBSERVED
Google ↗
AI Mode ↗		————1x
of 1