Estate planning at Acorns

For Acorns Later (IRA), open the app, go to "Later," and tap "Beneficiary" to add one in-app. For Acorns Invest (taxable brokerage), download and submit the Beneficiary Form through the secure document uploader at app.acorns.com/upload-documents. IRA and brokerage beneficiaries are managed separately. Allow 1-3 business days for changes to be processed.

No. Acorns does not support trust accounts or retitling. Per Acorns support: "Your Acorns account must be in your name. We also cannot transfer ownership of your account to anyone else." You can name a trust as a TOD beneficiary on the Invest Beneficiary Form, but you cannot change the account registration to a trust.

Acorns Later (IRA) allows one beneficiary to be set in-app. The in-app process is designed for individual beneficiaries. Contact Acorns support at support@acorns.com for guidance on naming a trust as an IRA beneficiary, as this may require the paper Beneficiary Form.

No. Acorns does not support beneficiary designations on Checking or Emergency Savings accounts. Only Acorns Invest (brokerage) and Acorns Later (IRA) accounts support beneficiary designations. For the Acorns Early Invest custodial account, the child is automatically the beneficiary.

For Acorns Later (IRA), only one beneficiary can be designated through the app. Acorns does not support adding additional beneficiaries for Later accounts. For Acorns Invest (brokerage), multiple beneficiaries can be added by submitting separate Beneficiary Forms with distribution percentages for each.

Bronze ($3/mo) includes Acorns Invest, Later (IRA), and Checking. Silver ($6/mo) adds Emergency Savings, 1% IRA match on new contributions during first year, and earn matching up to 25%. Gold ($12/mo) adds Acorns Early Invest (custodial accounts), Custom Portfolios, 3% IRA match on new contributions during first year, Money Manager, and a $10,000 life insurance policy.

Yes. Named beneficiaries on Acorns Invest (TOD) and Acorns Later (IRA) accounts take precedence over anything stated in a will or trust. Keep beneficiary designations updated whenever circumstances change.