How much does it cost to transfer my old employer 401k into a new Charles Schwab account without triggering tax penalties?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
How much does it cost to transfer my old employer 401k into a new Charles Schwab account without triggering tax penalties?
2 real searches · 1 real-search pass
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 (2)
Classes come from the query-classifier (a local Laya model). 1 of 2 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.
Searches and sources
ChatGPT2 real searches · gpt-6
IRS rollover chart direct rollover 401(k) to IRA 20% withholding 60 day rule 10% additional tax 2026 Google ↗
Charles Schwab rollover 401(k) to Schwab IRA fees account opening transfer fee official Google ↗
- Rollovers of retirement plan and IRA distributions · irs.gov
- Rollover IRA · schwab.com
- Publication 575 (2025), Pension and Annuity Income · irs.gov
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
IRS rollover chart direct rollover 401(k) to IRA 20% withholding 60 day rule 10% additional tax 2026 OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 | |
Charles Schwab rollover 401(k) to Schwab IRA fees account opening transfer fee official OBSERVED | Google ↗ AI Mode ↗ | — | Other / navigational | — | — | 1x of 1 |