Real ChatGPT answer · index seedcSE5e4ak0xgcompleteCareers and HR · layoffs and severanceinformational
What are the current IRS rules for transferring a former employee 401k to an IRA following an involuntary termination in New York?
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The searches the AI actually ran for this prompt.
SEED QUERY
What are the current IRS rules for transferring a former employee 401k to an IRA following an involuntary termination in New York?
3 real searches · 1 real-search pass
site:irs.gov 401(k) rollover IRA 20% withholding 60-day rollover mandatory cashout $7,000 SECURE 2.0 2026Google ↗
OBSERVEDOther / navigational
site:irs.gov retirement topics exceptions tax on early distributions separation from service age 55 IRA rolloverGoogle ↗
OBSERVEDOther / navigational
site:tax.ny.gov IRA rollover 401(k) distribution New York State tax early withdrawalGoogle ↗
OBSERVEDOther / navigational
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)
Classes come from the query-classifier (a local Laya model). 3 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
site:irs.gov 401(k) rollover IRA 20% withholding 60-day rollover mandatory cashout $7,000 SECURE 2.0 2026 Google ↗
site:irs.gov retirement topics exceptions tax on early distributions separation from service age 55 IRA rollover Google ↗
site:tax.ny.gov IRA rollover 401(k) distribution New York State tax early withdrawal Google ↗
- Retirement topics - Termination of employment · irs.gov
- Rollovers of retirement plan and IRA distributions · irs.gov
- 401k Resource Guide Plan Participants General Distribution Rules · irs.gov
- Topic no. 413, Rollovers from retirement plans · irs.gov
- Retirement topics - Exceptions to tax on early distributions · irs.gov
- Retirement topics - Significant ages for retirement plan participants · irs.gov
- Internal Revenue Bulletin: 2026-06 · irs.gov
- Publication 560 (2025), Retirement Plans for Small Business · irs.gov
- Advisory Opinion TSB-A-24(4)I · tax.ny.gov
- TSB-A-09(7)I:7/09:Whether distributions from an Individual Retirement Account (IRA) are subject to personal income tax if the taxpayer rolls over a Federal Reserve Bank of New York 401K Thrift Plan to the IRA:Petition No. I081103B,tsba097i · tax.ny.gov
- 2025 Form IT-201-I, Instructions for Form IT-201, Full-Year Resident Income Tax Return · tax.ny.gov
- Treasury, IRS issue guidance on rollovers between retirement plans and individual retirement accounts · irs.gov
- Internal Revenue Bulletin: 2026-35 · irs.gov
Queries
3 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
site:irs.gov 401(k) rollover IRA 20% withholding 60-day rollover mandatory cashout $7,000 SECURE 2.0 2026 OBSERVED | Google ↗ AI Mode ↗ | — | Other / navigational | — | — | 1x of 1 | |
site:irs.gov retirement topics exceptions tax on early distributions separation from service age 55 IRA rollover OBSERVED | Google ↗ AI Mode ↗ | — | Other / navigational | — | — | 1x of 1 | |
site:tax.ny.gov IRA rollover 401(k) distribution New York State tax early withdrawal OBSERVED | Google ↗ AI Mode ↗ | — | Other / navigational | — | — | 1x of 1 |