Estate planning at Alight
How to protect 7 Alight accounts — manage beneficiaries online, fund a trust online, and file death claims
Alight Financial Solutions Customer Service (Alight IRA and self-directed brokerage accounts)
Alight Financial Solutions, PO Box 563901, Charlotte, NC 28256-3901 (overnight, certified, and signature-required: 9300 Harris Corners Parkway, Suite 105, Charlotte, NC 28269)
Alight Financial Solutions Customer Service (Alight IRA and self-directed brokerage accounts)
Alight Financial Solutions, PO Box 563901, Charlotte, NC 28256-3901 (overnight, certified, and signature-required: 9300 Harris Corners Parkway, Suite 105, Charlotte, NC 28269)
Employer-specific Alight service center (employer plans); Alight Financial Solutions (Alight IRA and brokerage)
Employer plan claims: the mailing address is plan-specific and is provided by the employer's service center (find it at alight.com/find-your-hr-website). Alight Financial Solutions claims: PO Box 563901, Charlotte, NC 28256-3901
Retirement retirement accounts at Alight transfer by beneficiary designation, not through probate. With 7 account types, each carrying different tax implications for heirs, getting these designations right is one of the most consequential estate planning decisions.
Beneficiary designations at Alight can be managed online, by mail, and by phone, typically taking 10-15 minutes in the employer portal; longer if a notarized spousal consent is required. Trust funding is also available, allowing families to name a trust as the beneficiary of retirement accounts.
There are two sides to estate planning at Alight: 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 online, and review 7 account types at Alight.
View details →When someone dies
Death claim process
7-step process, 8 required documents, and contact information for survivors.
View details →Frequently asked questions
On an ERISA-covered plan such as a 401(k) or a pension, the surviving spouse of a married participant is the beneficiary by law unless the spouse signed a written consent — notarized or witnessed by a plan representative — to a different beneficiary. A designation naming a child, a sibling, or a trust without that consent generally does not displace the spouse. Alight applies the employer's plan document, so ask the employer's service center for the beneficiary of record and whether a valid spousal consent is on file. A will cannot change a plan beneficiary.
Because the plan, not Alight, sets the rules. Alight is the recordkeeper; the employer is the plan sponsor and plan administrator, and the plan document decides what the beneficiary designation looks like, whether a trust may be named, and whether a signed paper form is required. You make the designation inside your employer's Alight-hosted benefits portal, reached through alight.com/find-your-hr-website. The forms published at alightfinancialsolutions.com — including the IRA Designation of Beneficiary — apply to Alight IRA and self-directed brokerage accounts, not to your employer plan account.
Sources
Data sourced from Alight primary sources (15 pages reviewed). How we research.
Alight Financial Solutions Customer Service (Alight IRA and self-directed brokerage accounts)
Alight Financial Solutions, PO Box 563901, Charlotte, NC 28256-3901 (overnight, certified, and signature-required: 9300 Harris Corners Parkway, Suite 105, Charlotte, NC 28269)
Alight Financial Solutions Customer Service (Alight IRA and self-directed brokerage accounts)
Alight Financial Solutions, PO Box 563901, Charlotte, NC 28256-3901 (overnight, certified, and signature-required: 9300 Harris Corners Parkway, Suite 105, Charlotte, NC 28269)
Employer-specific Alight service center (employer plans); Alight Financial Solutions (Alight IRA and brokerage)
Employer plan claims: the mailing address is plan-specific and is provided by the employer's service center (find it at alight.com/find-your-hr-website). Alight Financial Solutions claims: PO Box 563901, Charlotte, NC 28256-3901
Estate planning articles
Learn how to protect your Alight accounts and other assets with trusts, beneficiary designations, and estate planning documents.
