Estate planning at CAPTRUST

CAPTRUST has in-house trust and estate planning specialists who work alongside your wealth advisor rather than drafting estate documents themselves. They handle beneficiary designation reviews, trust funding coordination, and account titling analysis, and they work with your own estate planning attorney so that investment accounts align with the trust and will your attorney prepares. CAPTRUST does not replace an estate planning attorney.

Yes. Individual and joint advisory accounts can be retitled to a revocable living trust through your CAPTRUST wealth advisor. There is no consumer self-service path; the advisor obtains the retitling forms from the underlying custodian. You will need to provide a trust agreement or Certificate of Trust and government-issued ID for all trustees. A Medallion Signature Guarantee may be required depending on the custodian. The custodian processes the retitling, which typically takes 1-3 weeks.

Yes. A trust can be named as beneficiary on a Traditional IRA, Roth IRA, Rollover IRA, or SEP IRA held through CAPTRUST. IRAs cannot be retitled to trust ownership under IRS rules. Beneficiary designation changes are managed through your CAPTRUST wealth advisor, who provides the IRA beneficiary form from the custodian; this is a separate form from the TOD form used for taxable advisory accounts. Spousal consent may be required for retirement account beneficiary changes in community property states.

WealthView is CAPTRUST's online client portal for financial planning and account aggregation. Through WealthView, you can track spending, set up a budget, view your investment accounts, and store important financial documents in a digital vault. WealthView is non-transactional, so you cannot update beneficiary designations, retitle an account to a trust, or move funds through it. Those changes must go through your CAPTRUST wealth advisor, who provides the required custodian forms. Access WealthView from the My Account page at captrust.com/my-account.