Convert dormant/inactive workplace accounts left behind after job changes easily seamlessly without penalty/tax

https://docs.google.com/document/d/1fj5l901TLu1euE-Ecr0MBoakhT4bDiGyY73LoEzHPQA/edit?usp=sharing

Convert dormant/inactive workplace accounts left behind after job changes easily seamlessly without penalty/tax consequence provided certain criteria fulfilled appropriately meticulously carefully accurately correctly lawfully legally aboveboard ethically