How to name beneficiaries and fund a trust at Beacon Pointe
Covers 6 investment, and 8 retirement accounts — beneficiaries can be managed online
Beacon Pointe Advisors - Headquarters
24 Corporate Plaza Drive, Suite 150, Newport Beach, CA 92660
Private Wealth Management (estate plan review; delivered by your advisor, not a central desk)
Your Beacon Pointe advisor (the firm has no claims department; the custodian pays the claim)
Beacon Pointe Advisors, 24 Corporate Plaza Drive, Suite 150, Newport Beach, CA 92660
Estate planning for your Beacon Pointe investment accounts starts with understanding how each one transfers at death. Beneficiary designations and trust retitling both bypass probate, but the right approach depends on the account type, your tax situation, and how much control you want over distributions.
With 14 product types, Beacon Pointe offers a range of transfer options. Some investment accounts support Transfer on Death (TOD) designations, others can be retitled into a trust, and some require probate if no beneficiary is designated. The sections below break down each step.
- Full name, relationship, date of birth, Social Security number
- For a trust: exact trust name, date of the trust, and trust tax identification number
- Percentages for primary and contingent beneficiaries, totaling 100 percent
Required Documents
- Trust name, date established, and tax ID (EIN or SSN)
Special Requirements
- Beacon Pointe does not hold beneficiary designations. Every designation is filed with, recorded by, and honored by the CUSTODIAN — Schwab, Fidelity, SEI Private Trust Company, Pershing, or Raymond James (Form ADV Part 2A, Item 12)
- A household whose accounts sit at more than one custodian must file a separate designation at each one; the advisor coordinates but cannot file one form covering all
- A trust can be named as beneficiary on both taxable (TOD) and retirement accounts; the custodian will want the trust name, date, and tax identification number, and often a certification of trust
- Spousal consent may be required for a non-spouse beneficiary on a retirement account (ERISA plans) or in a community property state
- The beneficiary or TOD registration on file with the custodian controls the asset ahead of a will or trust — an out-of-date designation is not fixed by an up-to-date will
- Beacon Pointe's Form ADV states its planning services do not include preparing legal documents, including wills or trusts; the firm reviews an estate plan but an attorney drafts it
Sources
Data sourced from Beacon Pointe primary sources (15 pages reviewed). How we research.
Download these Beacon Pointe instructions
Download instructions for the whole estateA printable PDF with the steps, required documents, and contact details — verified against Beacon Pointe primary sources. Bring it to the branch or keep it beside the phone.
Beacon Pointe Advisors - Headquarters
24 Corporate Plaza Drive, Suite 150, Newport Beach, CA 92660
Private Wealth Management (estate plan review; delivered by your advisor, not a central desk)
Your Beacon Pointe advisor (the firm has no claims department; the custodian pays the claim)
Beacon Pointe Advisors, 24 Corporate Plaza Drive, Suite 150, Newport Beach, CA 92660
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