Weigh the benefits of transferring my old 401k into a self directed IRA with checkbook control versus a standard brokerage account rollover when trying to preserve liquidity during a job search.
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Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
Weigh the benefits of transferring my old 401k into a self directed IRA with checkbook control versus a standard brokerage account rollover when trying to preserve liquidity during a job search.
4 real searches · 1 real-search pass
IRS rollover chart 401(k) to IRA direct rollover withholding 20 percent 2026Google ↗
OBSERVEDConsequence
IRS IRA early distributions 10% additional tax exceptions age 55 separation from service 401k ruleGoogle ↗
OBSERVEDConsequence
IRS IRA prohibited transactions disqualified persons personal use real estate checkbook control IRAGoogle ↗
OBSERVEDReason
Department of Labor ERISA 401k creditor protection rollover IRA bankruptcy protectionGoogle ↗
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 (4)
Classes come from the query-classifier (a local Laya model). 4 of 4 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.
Searches and sources
ChatGPT4 real searches · gpt-6
IRS rollover chart 401(k) to IRA direct rollover withholding 20 percent 2026 Google ↗
IRS IRA early distributions 10% additional tax exceptions age 55 separation from service 401k rule Google ↗
IRS IRA prohibited transactions disqualified persons personal use real estate checkbook control IRA Google ↗
Department of Labor ERISA 401k creditor protection rollover IRA bankruptcy protection Google ↗
- Retirement topics - Exceptions to tax on early distributions · irs.gov
- Retirement plans FAQs regarding IRAs distributions (withdrawals) · irs.gov
- Retirement topics - Prohibited transactions · irs.gov
- Publication 590-B (2025), Distributions from Individual Retirement Arrangements (IRAs) · irs.gov
- FAQs about Retirement Plans and ERISA · dol.gov
- What You Should Know About Your Retirement Plan · dol.gov
Queries
4 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 withholding 20 percent 2026 OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 | |
IRS IRA early distributions 10% additional tax exceptions age 55 separation from service 401k rule OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 | |
IRS IRA prohibited transactions disqualified persons personal use real estate checkbook control IRA OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
Department of Labor ERISA 401k creditor protection rollover IRA bankruptcy protection OBSERVED | Google ↗ AI Mode ↗ | — | Comparison | — | — | 1x of 1 |