Real ChatGPT answer · index seedsSh3yV5xIQocompleteFinance and banking · retirement accountscomparison

My TD Ameritrade account just moved to Schwab and I need to know how to transfer my traditional IRA out today without getting hit by surprise fees.

ChatGPTgpt-63 queries10/31/2026
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The searches the AI actually ran for this prompt.

SEED QUERY
My TD Ameritrade account just moved to Schwab and I need to know how to transfer my traditional IRA out today without getting hit by surprise fees.
3 real searches · 1 real-search pass
Charles Schwab IRA outgoing transfer fee full account transfer ACATS fee IRA transfer fee official 2026Google ↗
OBSERVEDReason
Charles Schwab transfer account out fee IRA termination fee pricing guide officialGoogle ↗
OBSERVEDComparison
IRS traditional IRA trustee to trustee transfer not taxable 60 day rollover rule officialGoogle ↗
OBSERVEDDefinition

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)
Short factOther / navigationalComparison33%ConsequenceReason33%Definition33%InstructionYes / no

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
Charles Schwab IRA outgoing transfer fee full account transfer ACATS fee IRA transfer fee official 2026 Google ↗
Charles Schwab transfer account out fee IRA termination fee pricing guide official Google ↗
IRS traditional IRA trustee to trustee transfer not taxable 60 day rollover rule official Google ↗

Queries

3 queries · click a column to sort
Query / typeSearchIntentQuery classRouting formatClusterFreq ↓Weight
Charles Schwab IRA outgoing transfer fee full account transfer ACATS fee IRA transfer fee official 2026
OBSERVED
Google ↗
AI Mode ↗
—Reason——1x
of 1
Charles Schwab transfer account out fee IRA termination fee pricing guide official
OBSERVED
Google ↗
AI Mode ↗
—Comparison——1x
of 1
IRS traditional IRA trustee to trustee transfer not taxable 60 day rollover rule official
OBSERVED
Google ↗
AI Mode ↗
—Definition——1x
of 1