Estate planning at Acorns
How to protect 8 Acorns accounts — manage beneficiaries online, fund a trust by mail, and file death claims
Acorns Customer Support
5300 California Avenue, Irvine, CA 92617
Acorns Customer Support
5300 California Avenue, Irvine, CA 92617
Acorns Customer Support (Death Claims)
5300 California Avenue, Irvine, CA 92617
Acorns offers 8 consumer investment accounts that interact with estate planning in distinct ways. Of those, 4 can name a trust as beneficiary or be retitled into a trust. Understanding the transfer methods available for each account type helps families keep assets out of probate and ensure they pass to the right people.
Acorns lets account holders update beneficiary designations online and by mail, typically taking 5-10 minutes (IRA in-app); 15-20 minutes for brokerage form; 1-3 business days processing. Trust funding is also available, allowing families to retitle brokerage accounts into a trust.
There are two sides to estate planning at Acorns: setting things up while you're alive, and the process survivors follow after a death.
Preparing your estate
Beneficiaries and trust funding
How to manage beneficiaries online, fund a trust by mail, and review 8 account types at Acorns.
View details →When someone dies
Death claim process
5-step process, 5 required documents, and contact information for survivors.
View details →Frequently asked questions
For Acorns Later (IRA), only one beneficiary can be designated through the app, and 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. Invest beneficiaries are not displayed in the app, so keep your own record of what was filed.
The $10,000 no-cost term life insurance policy included with Acorns Gold is provided by Avibra, Inc. The beneficiary for this policy is managed separately from your investment account beneficiaries. To manage your life insurance beneficiary, open the Acorns app, tap the profile icon, tap "Benefits," select the life insurance option under "Estate planning," tap "Manage plan," then select "Beneficiary Management." For additional help managing this beneficiary, contact Avibra directly at hello@avibra.com or (551) 290-8929. This benefit is not available on Bronze or Silver tiers.
Sources
Data sourced from Acorns primary sources (19 pages reviewed). How we research.
Acorns Customer Support
5300 California Avenue, Irvine, CA 92617
Acorns Customer Support
5300 California Avenue, Irvine, CA 92617
Acorns Customer Support (Death Claims)
5300 California Avenue, Irvine, CA 92617
Estate planning articles
Learn how to protect your Acorns accounts and other assets with trusts, beneficiary designations, and estate planning documents.
