How to designate beneficiaries at Alto IRA
Covers 3 retirement, 1 crypto, and 1 investment accounts — beneficiaries can be managed online
Alto Customer Support
Phone1-877-673-1557
Emailhelp@altoira.com
Mailing Address
Alto Trust Co., 500 11th Avenue North, Suite 790, Nashville, TN 37203
WebsiteLearn more→
Alto Customer Support
Phone1-877-673-1557
Emailhelp@altoira.com
Mailing Address
Alto Trust Co., 500 11th Avenue North, Suite 790, Nashville, TN 37203
WebsiteLearn more→
Alto Customer Support (Death Claims)
Phone1-877-673-1557
Emailhelp@altoira.com
Mailing Address
Alto Trust Co., 500 11th Avenue North, Suite 790, Nashville, TN 37203
WebsiteNotify online→
Verified Apr 2026
There are two ways to keep your Alto IRA investment accounts out of probate: adding beneficiary designations and retitling eligible accounts into a revocable living trust. Which approach works best depends on the account type and your overall estate plan.
Each of Alto IRA's 5 investment accounts has different rules for how it transfers at death. The sections below explain the options for each.
Alto Marketplace Investments
1
Log in to your Alto account at app.altoira.com
2
Click the dropdown menu in the top right corner with your name
3
Select "Your Settings" from the dropdown
4
Navigate to the Beneficiaries tab in the left-side Settings menu
5
Click "Add Beneficiary" and complete the designation:
- Enter beneficiary name (64-character limit; contact help@altoira.com if name exceeds this)
- Fill out all required details
- Select Save to confirm
6
To add a contingent beneficiary, click "Add Beneficiary" again and select "Contingent Beneficiary" from the type dropdown
Required Documents
- Trust name, date established, and tax ID (EIN or SSN)
Special Requirements
- Beneficiary name limited to 64 characters; contact help@altoira.com for names exceeding this limit
- Both primary and contingent beneficiaries can be designated
Alto Customer Support
Phone1-877-673-1557
Emailhelp@altoira.com
Mailing Address
Alto Trust Co., 500 11th Avenue North, Suite 790, Nashville, TN 37203
WebsiteLearn more→
Alto Customer Support
Phone1-877-673-1557
Emailhelp@altoira.com
Mailing Address
Alto Trust Co., 500 11th Avenue North, Suite 790, Nashville, TN 37203
WebsiteLearn more→
Alto Customer Support (Death Claims)
Phone1-877-673-1557
Emailhelp@altoira.com
Mailing Address
Alto Trust Co., 500 11th Avenue North, Suite 790, Nashville, TN 37203
WebsiteNotify online→
Verified Apr 2026
Estate planning articles
Learn how to protect your Alto IRA accounts and other assets with trusts, beneficiary designations, and estate planning documents.
