Estate planning at Alto IRA
How to protect 5 Alto IRA accounts — manage beneficiaries online, fund a trust online, and file claims through Alto IRA's Alto Trust Co. (IRA custodian of record)
Alto Support (email-first; no phone line published)
Emailhelp@altoira.com
Mailing Address
Alto Solutions, Inc., 500 11th Avenue North, Suite 790, Nashville, TN 37203
WebsiteLearn more→
Alto Trust Co. (IRA custodian of record)
Emailhelp@altoira.com
Mailing Address
Alto Trust Co., 6565 Americas Pkwy, Suite 234, Albuquerque, NM 87109
WebsiteLearn more→
Alto Support ticket -> Alto Trust Co. (custodian)
Emailhelp@altoira.com
Mailing Address
Alto Trust Co., 6565 Americas Pkwy, Suite 234, Albuquerque, NM 87109
WebsiteNotify online→
Verified Jul 2026
Alto IRA manages 5 retirement retirement accounts where beneficiary designations—not a will—control who inherits the balance. Because these are tax-advantaged accounts, the designation also determines the tax treatment for whoever receives them.
Alto IRA lets account holders update beneficiary designations online, typically taking 5-10 minutes in the Alto dashboard. Trust funding is also available, allowing families to name a trust as the beneficiary of retirement accounts.
Alto IRA has documented procedures for both preparing accounts during your lifetime and handling claims when an account holder passes away.
Preparing your estate
Beneficiaries and trust funding
How to manage beneficiaries online, fund a trust online, and review 5 account types at Alto IRA.
View details →When someone dies
Death claim process
Contact Alto IRA's Alto Trust Co. (IRA custodian of record) to file a claim. 8-step process, 6 required documents, and contact information for survivors.
View details →Email inquiries can be sent to help@altoira.com.
Frequently asked questions
No. An IRA is an individually owned account under IRC Section 408 and cannot be retitled into a living trust while you are alive -- doing so would be a full distribution of the account. The only way a trust ever receives an Alto IRA is by being named as the beneficiary, which you do in the Alto dashboard under Your Settings > Beneficiaries. Before naming a trust, talk with your attorney about the SECURE Act 10-year payout rule and the see-through trust requirements: a trust that does not qualify can be forced onto a faster payout taxed at compressed trust rates.
They do not behave like shares of a public stock. Alto Marketplace, integrated-partner, and Private Raise positions are private securities that can carry lock-up periods, outstanding capital-call commitments, and issuer-consent requirements before an interest is re-registered to an inherited IRA. Valuation for estate and IRS reporting purposes comes from the issuer's stated value rather than a market quote. Ask Alto for a full position statement, then confirm the transfer terms of each holding with Alto and the issuer -- the SECURE Act 10-year clock keeps running whether or not the fund is liquid, which is why a beneficiary should open the ticket early.
Sources
Data sourced from Alto IRA primary sources (15 pages reviewed). How we research.
Alto Support (email-first; no phone line published)
Emailhelp@altoira.com
Mailing Address
Alto Solutions, Inc., 500 11th Avenue North, Suite 790, Nashville, TN 37203
WebsiteLearn more→
Alto Trust Co. (IRA custodian of record)
Emailhelp@altoira.com
Mailing Address
Alto Trust Co., 6565 Americas Pkwy, Suite 234, Albuquerque, NM 87109
WebsiteLearn more→
Alto Support ticket -> Alto Trust Co. (custodian)
Emailhelp@altoira.com
Mailing Address
Alto Trust Co., 6565 Americas Pkwy, Suite 234, Albuquerque, NM 87109
WebsiteNotify online→
Verified Jul 2026
Estate planning articles
Learn how to protect your Alto IRA accounts and other assets with trusts, beneficiary designations, and estate planning documents.
