What to do when a Alto IRA account holder dies
Contact Alto IRA's Alto Trust Co. (IRA custodian of record) — 8-step process, 6 required documents, and cash balances follow the custodian's standard distribution timeline once the claim package is accepted. illiquid marketplace and private raise positions take substantially longer -- issuer consent, lock-up periods, and issuer-supplied valuations drive the schedule, and a position may not be movable until the fund permits a transfer.
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
What happens to Alto IRA retirement accounts after the account holder dies depends on how each account was titled. Beneficiary-designated and trust-owned accounts transfer directly. Accounts in the deceased's name alone go through the estate, and the executor or administrator works with Alto IRA's Alto Trust Co. (IRA custodian of record) to claim the funds.
Alto IRA provides an online portal for initiating death claims, which can simplify the initial notification and document submission process. Claims can also be started by phone or by mailing the required documents.
Death claim process
The death claim process at Alto IRA works as follows:
Filing a claim
1
Open a support ticket with Alto -- there is no branch and Alto has moved to email-first support (https://www.altoira.com/contact). Use the contact form on that page or email help@altoira.com directly; Alto states its team responds within one business day, Monday-Friday 8:00 AM - 5:00 PM CT.
2
Say in the first message that you are reporting the death of an Alto IRA account holder, and give the decedent's full name, the email address on the Alto account, and your relationship (named beneficiary, executor, or successor trustee). Ask Alto to route the request to Alto Trust Co., the custodian of record.
3
Understand who actually holds the account, because the paperwork comes from the custodian, not the app:
- Alto Trust Co. (6565 Americas Pkwy, Suite 234, Albuquerque, NM 87109) is the IRA custodian under IRC Section 408
- Alto Solutions, Inc. (d/b/a AltoIRA), Nashville, TN, is the administrator that runs the platform and the beneficiary designation process on the custodian's behalf
- A legacy Alto CryptoIRA is neither -- that business was sold to Public Holding Corporation and those accounts are settled by Public
4
Send the custodian the death-claim package it requests:
- Certified copy of the death certificate
- Government-issued photo ID for each claiming beneficiary, executor, or successor trustee
- The beneficiary claim / distribution paperwork Alto sends back after you open the ticket (Alto does not publish a downloadable death-claim form)
- Letters Testamentary or Letters of Administration if no beneficiary is on file and the IRA is payable to the estate
- Certification of trust and successor-trustee ID if a trust is the named beneficiary
5
Deal with the alternative assets, which is what makes an Alto claim different from a brokerage claim:
- Ask Alto for the current statement listing every Marketplace, integrated-partner, and Private Raise position held inside the IRA
- For each private fund position, confirm with Alto whether the issuer must consent before the interest can be re-registered to an inherited IRA, and whether the fund is inside a lock-up or has open capital-call obligations
- Valuation of an illiquid position for the estate and for IRS Form 5498/1099-R reporting comes from the issuer's stated value, not a market quote -- ask Alto which valuation date the custodian will use
- A position that cannot be transferred in kind has to be liquidated by the issuer or distributed in kind to the beneficiary, and that can take far longer than a cash account
6
Confirm where the inherited assets will land. Alto does not market an inherited-IRA product, so plan on the beneficiary opening an inherited IRA at another custodian and having Alto Trust Co. transfer the positions there. Ask Alto to confirm this in writing before you open the receiving account.
7
Track the SECURE Act 10-year clock from the year after death for most non-spouse beneficiaries, including trust beneficiaries. Illiquid holdings do not pause that deadline, which is the practical reason to start the Alto ticket early.
8
For a legacy Alto CryptoIRA, stop here and file the claim with Public instead -- the CryptoIRA business was acquired by Public Holding Corporation (https://www.altoira.com/news/alto-announces-sale-of-cryptoira-to-public) and Alto's own Crypto IRA link now points to https://public.com/invest/crypto-ira.
Required Documents
- Certified copy of the death certificate
- Government-issued photo ID for the claiming beneficiary, executor, or successor trustee
- Alto/Alto Trust Co. beneficiary claim and distribution paperwork (issued by Alto after you open a support ticket; not published for download)
- Letters Testamentary or Letters of Administration (only if no beneficiary is on file and the IRA is payable to the estate)
- Certification of trust plus successor-trustee ID (if a trust is the named beneficiary)
- Receiving inherited-IRA account details at the beneficiary's chosen custodian
Claims Contact
What to know at this institution
Alto publishes no dedicated death-claim page or downloadable claim form, and it retired phone support in favor of email-first service, so the ticket at https://www.altoira.com/contact (or help@altoira.com) is the real entry point for a survivor. The custodian of record is Alto Trust Co., a New Mexico chartered non-depository trust company supervised by the New Mexico Regulation and Licensing Department, Financial Institutions Division; Alto Solutions is only the administrator. Legacy Alto CryptoIRA accounts were sold to Public Holding Corporation and are settled through Public.
How long the process takes at Alto IRA: Cash balances follow the custodian's standard distribution timeline once the claim package is accepted. Illiquid Marketplace and Private Raise positions take substantially longer -- issuer consent, lock-up periods, and issuer-supplied valuations drive the schedule, and a position may not be movable until the fund permits a transfer. The most common reason for delays is missing or incomplete documentation, so submitting everything upfront is the best way to keep things moving.
Alto IRA requires several documents to process a claim, including Certified copy of the death certificate, Government-issued photo ID for the claiming beneficiary, executor, or successor trustee, and Alto/Alto Trust Co. beneficiary claim and distribution paperwork (issued by Alto after you open a support ticket; not published for download), and additional documentation depending on the account type. Certified copies are typically needed—photocopies are generally not accepted for death certificates or court documents.
Frequently asked questions
Alto Trust Co. is the custodian of record. Alto's Custodian Account Agreement has the account holder appoint "Alto Trust Co. as the Custodian" -- a passive, non-discretionary custodian under Section 408 of the Internal Revenue Code -- and Alto Trust Co. then delegates administrative functions to Alto Solutions, Inc. (d/b/a AltoIRA). Alto Trust Co. is a New Mexico state-chartered non-depository trust company in Albuquerque, supervised by the New Mexico Regulation and Licensing Department, Financial Institutions Division. For an executor this matters because the death-claim paperwork and the distribution come from the custodian, even though the ticket is opened with Alto support.
Alto is online-only and has moved to email-first support, so the claim starts with a ticket: use the form at altoira.com/contact or email help@altoira.com (Monday-Friday, 8:00 AM - 5:00 PM CT, with a stated one-business-day response target). Identify the deceased account holder, the email address on the account, and your role, and ask that the request be routed to Alto Trust Co. as custodian. Alto does not publish a downloadable death-claim form; the custodian sends the claim and distribution paperwork after the ticket is opened. Expect to provide a certified death certificate, photo ID, and -- if no beneficiary is on file -- Letters Testamentary or Letters of Administration.
Public, not Alto. Public Holding Corporation acquired Alto's CryptoIRA business, the accounts moved to Public's platform, and the "Crypto IRA" entry on altoira.com now links out to public.com. Beneficiary designations and death claims on a former Alto CryptoIRA are handled under Public's procedures. Alto's self-directed Traditional, Roth, and SEP IRAs holding alternative assets remain on the Alto platform and are still settled through Alto and Alto Trust Co., so an estate may need to work with both companies if the decedent held each.
Alto IRA's Alto Support ticket -> Alto Trust Co. (custodian) can be reached by email at help@altoira.com for questions throughout the claims process.
When the deceased had multiple Alto IRA retirement accounts, some may need separate claims while others can be handled together. The Alto Trust Co. (IRA custodian of record) can clarify what's needed for each account type.
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.
