How to name beneficiaries and fund a trust at Ameriprise
Covers 7 investment, 5 retirement, and 5 insurance accounts — beneficiaries can be managed online
Phone1-800-862-7919
Mailing Address
Ameriprise Financial Services, LLC, 70100 Ameriprise Financial Center, Minneapolis, MN 55474
WebsiteLearn more→
Estate Settlement Team
Phone1-800-862-7919
Fax1-866-432-9267
Mailing Address
Ameriprise Financial Services, LLC, 70310 Ameriprise Financial Center, Minneapolis, MN 55474
RiverSource Life of New York
Ameriprise Bank, FSB
WebsiteLearn more→
Estate Settlement Team
Phone1-800-862-7919
Fax1-866-432-9267
Mailing Address
Ameriprise Financial Services, LLC, 70310 Ameriprise Financial Center, Minneapolis, MN 55474
RiverSource Life of New York
Ameriprise Bank, FSB
WebsiteNotify online→
Verified Apr 2026
The key to protecting your Ameriprise investment accounts is making sure each one has a transfer mechanism in place—either a beneficiary designation or trust ownership. Without one, the account goes through probate, adding time, cost, and court involvement for your family.
Ameriprise has 17 product types, and the estate transfer rules differ across them. Some support Transfer on Death (TOD) designations, some can be retitled into a trust, and others will require probate if nothing is set up. Each is covered below.
Ameriprise ONE Financial AccountAmeriprise Brokerage AccountStrategic Portfolio Service (SPS) AdvantageStrategic Portfolio Service (SPS) AdvisorAmeriprise Signature WealthActive Portfolios529 College Savings Plan
1
Log in to the Ameriprise secure site
2
Navigate to the Beneficiaries page
3
Add or update beneficiary designations:
- Enter primary and contingent beneficiary designations
- Provide beneficiary name, date of birth, relationship, and percentage allocation
- For trusts as beneficiary: provide trust name and date established
4
Changes display immediately on screen
5
Confirmation letter mailed within 2-4 weeks
Required Documents
- Trust name, date established, and tax ID (EIN or SSN)
Special Requirements
- Beneficiary changes CANNOT be made by phone
- Paper form processing: designation reviewed within 5 business days
- Confirmation letter mailed within 2-4 weeks
- Beneficiary Team phone: 1-800-862-7919
- Different forms for brokerage (Form 3214), IRA (Form 3993), annuity/life insurance (Form 33032 or 38120 for NY), Privileged Asset annuities (Form 51498 or 274597 for NY)
- RiverSource Life of New York uses separate forms (Form 38120 for beneficiary, Form 38111 for death claim)
- RiverSource prospectus requests: 1-800-333-3437
- Trusts can be named as IRA beneficiary; IRA moves to Trust Beneficial ownership at claim time
- Named beneficiaries override your will
- Ameriprise Bank products (if applicable) can only update beneficiaries online
- Spousal signature required in Community Property States (AZ, CA, ID, LA, NV, NM, TX, WA, WI) unless spouse is named as 100% sole primary beneficiary by name
Phone1-800-862-7919
Mailing Address
Ameriprise Financial Services, LLC, 70100 Ameriprise Financial Center, Minneapolis, MN 55474
WebsiteLearn more→
Estate Settlement Team
Phone1-800-862-7919
Fax1-866-432-9267
Mailing Address
Ameriprise Financial Services, LLC, 70310 Ameriprise Financial Center, Minneapolis, MN 55474
RiverSource Life of New York
Ameriprise Bank, FSB
WebsiteLearn more→
Estate Settlement Team
Phone1-800-862-7919
Fax1-866-432-9267
Mailing Address
Ameriprise Financial Services, LLC, 70310 Ameriprise Financial Center, Minneapolis, MN 55474
RiverSource Life of New York
Ameriprise Bank, FSB
WebsiteNotify online→
Verified Apr 2026
Estate planning articles
Learn how to protect your Ameriprise accounts and other assets with trusts, beneficiary designations, and estate planning documents.
