Real ChatGPT answer · index seedrZNCgUcy0qkcompleteFinance and banking · retirement accountshowto

My wife received a pension lump sum offer that expires in sixty days, and I need a checklist of the tax implications and rollover rules to decide if we should move it directly into an inherited or standard IRA.

ChatGPTgpt-64 queries10/31/2026
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Fan-out diagram

The searches the AI actually ran for this prompt.

SEED QUERY
My wife received a pension lump sum offer that expires in sixty days, and I need a checklist of the tax implications and rollover rules to decide if we should move it directly into an inherited or standard IRA.
4 real searches · 1 real-search pass
IRS pension lump sum eligible rollover distribution direct rollover 20% withholding 60 day rollover 2026 Publication 575Google ↗
OBSERVED
IRS surviving spouse rollover inherited IRA pension distribution beneficiary rollover rules Publication 590-AGoogle ↗
OBSERVED
IRS rollover chart retirement plan distributions inherited IRA nonspouse beneficiaryGoogle ↗
OBSERVED
Virginia individual income tax retirement distributions pension IRA rollover taxGoogle ↗
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 4 queries…

Searches and sources

ChatGPT4 real searches · gpt-6
IRS pension lump sum eligible rollover distribution direct rollover 20% withholding 60 day rollover 2026 Publication 575 Google ↗
IRS surviving spouse rollover inherited IRA pension distribution beneficiary rollover rules Publication 590-A Google ↗
IRS rollover chart retirement plan distributions inherited IRA nonspouse beneficiary Google ↗
Virginia individual income tax retirement distributions pension IRA rollover tax Google ↗

Queries

4 queries · click a column to sort
Query / typeSearchIntentQuery classRouting formatClusterFreq ↓Weight
IRS pension lump sum eligible rollover distribution direct rollover 20% withholding 60 day rollover 2026 Publication 575
OBSERVED
Google ↗
AI Mode ↗
————1x
of 1
IRS surviving spouse rollover inherited IRA pension distribution beneficiary rollover rules Publication 590-A
OBSERVED
Google ↗
AI Mode ↗
————1x
of 1
IRS rollover chart retirement plan distributions inherited IRA nonspouse beneficiary
OBSERVED
Google ↗
AI Mode ↗
————1x
of 1
Virginia individual income tax retirement distributions pension IRA rollover tax
OBSERVED
Google ↗
AI Mode ↗
————1x
of 1