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

https://docs.google.com/document/d/1SvqgSnXmDYJsXF0uIGAt3iYtnLUZIlUiMtyao4RFEk4/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