Real ChatGPT answer · index seedcGPEYfWGLZ4completeFinance and banking · retirement accountsinformational

We have retirement accounts scattered across three different brokerages because of past job changes, and I need advice on how to simplify our investments without paying high advisory fees.

ChatGPTgpt-62 queries10/31/2026

Download run

Fan-out diagram

The searches the AI actually ran for this prompt.

SEED QUERY

We have retirement accounts scattered across three different brokerages because of past job changes, and I need advice on how to simplify our investments without paying high advisory fees.

2 real searches · 1 real-search pass

IRS rollover chart retirement plans IRA 401k direct rollover tax rules officialGoogle ↗

OBSERVED

Department of Labor 401k fees expense ratios fiduciary participant guide officialGoogle ↗

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 retirement plans IRA 401k direct rollover tax rules official Google ↗

Department of Labor 401k fees expense ratios fiduciary participant guide official Google ↗

Understanding Retirement Plan Fees and Expenses · dol.gov
Understanding Retirement Plan Fees And Expenses · dol.gov
Rollovers of retirement plan and IRA distributions · irs.gov
Publication 590-A (2025), Contributions to Individual Retirement Arrangements (IRAs) · irs.gov

Queries

2 queries · click a column to sort

Query / type	Search	Intent	Query class	Routing format	Cluster	Freq ↓	Weight
IRS rollover chart retirement plans IRA 401k direct rollover tax rules official OBSERVED	Google ↗ AI Mode ↗	—	—	—	—	1x of 1
Department of Labor 401k fees expense ratios fiduciary participant guide official OBSERVED	Google ↗ AI Mode ↗	—	—	—	—	1x of 1