Real ChatGPT answer · index seedeQeqyLCf4tEcompleteFinance and banking · retirement accountscommercial
Walk me through the exact IRS rules for a backdoor Roth IRA conversion today to ensure I do not trigger the pro rata rule accidentally
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Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
Walk me through the exact IRS rules for a backdoor Roth IRA conversion today to ensure I do not trigger the pro rata rule accidentally
3 real searches · 1 real-search pass
site:irs.gov 2026 Form 8606 instructions pro rata December 31 traditional SEP SIMPLE IRA conversionGoogle ↗
OBSERVEDInstruction
site:irs.gov Publication 590-A 2025 Roth IRA conversions nondeductible contributions IRA aggregation ruleGoogle ↗
OBSERVEDOther / navigational
site:irs.gov 2026 IRA contribution limit announcement 2026Google ↗
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
Queries
3 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
site:irs.gov 2026 Form 8606 instructions pro rata December 31 traditional SEP SIMPLE IRA conversion OBSERVED | Google ↗ AI Mode ↗ | — | Instruction | — | — | 1x of 1 | |
site:irs.gov Publication 590-A 2025 Roth IRA conversions nondeductible contributions IRA aggregation rule OBSERVED | Google ↗ AI Mode ↗ | — | Other / navigational | — | — | 1x of 1 | |
site:irs.gov 2026 IRA contribution limit announcement 2026 OBSERVED | Google ↗ AI Mode ↗ | — | Other / navigational | — | — | 1x of 1 |