Real ChatGPT answer · index seedzYz3oSNSDu4completeFinance and banking · checking and savings accountsinformational
How do custodial savings accounts work for children and when does the money legally become theirs to use?
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Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
How do custodial savings accounts work for children and when does the money legally become theirs to use?
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
Massachusetts Uniform Transfers to Minors Act age 21 termination age statute 2026 Google ↗
IRS custodial account UGMA UTMA child owner tax rules gifts irrevocable custodian use benefit child Google ↗
- What is a UGMA or UTMA Account? · helpwithmybank.gov
- UGMA & UTMA accounts | Tips for custodial accounts · fidelity.com
- Saving For College: UGMA and UTMA Custodial Accounts · syndication.finra.org
- Saving for College: Custodial Accounts · schwab.com
- General Law - Part II, Title II, Chapter 201A, Section 20 · malegislature.gov
- Massachusetts General Laws Chapter 201A, Section 20 (2025) - Termination of Custodianship :: 2025 Massachusetts General Laws :: U.S. Codes and Statutes :: U.S. Law :: Justia · law.justia.com
- official Massachusetts UTMA statute · malegislature.gov
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
Massachusetts Uniform Transfers to Minors Act age 21 termination age statute 2026 OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 | |
IRS custodial account UGMA UTMA child owner tax rules gifts irrevocable custodian use benefit child OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 |