How to name beneficiaries and fund a trust at Carson
Covers 5 investment, 5 retirement, and 1 insurance accounts — beneficiaries must be updated in-branch
C
Carson Group
Phone888-321-0808
Mailing Address
Carson Group, 14600 Branch Street, Omaha, NE 68154
WebsiteLearn more→
Estate planning support (Advanced Planning Team, engaged through your advisor)
Phone888-321-0808
WebsiteLearn more→
No dedicated claims department — report a death to the decedent's Carson advisor; the custodian (Fidelity or Schwab) processes the claim
Phone888-321-0808
Mailing Address
Carson Group, 14600 Branch Street, Omaha, NE 68154
WebsiteNotify online→
Verified Jul 2026
Estate planning for your Carson 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.
Across 11 product types, Carson investment accounts vary in how they transfer at death. The sections below walk through Transfer on Death (TOD) designations, trust funding options, and which products support each method.
Carson Managed Account (Individual)Carson Managed Account (Joint)Carson Wrap Fee AccountBrokerage Account (Cetera Advisor Networks)Flourish Cash
1
Book time with your Carson Wealth or Carson Partners advisor (find your office at https://www.carsonwealth.com/locations/ or call 888-321-0808)
2
Bring a government-issued photo ID and the exact spelling of each beneficiary's name
3
The advisor pulls the right form from the custodian that holds the account (Fidelity Institutional Wealth Services, Charles Schwab, or another approved custodian) — Carson has no beneficiary form of its own
4
Complete the form:
- Taxable managed, wrap, or brokerage account: the custodian's Transfer on Death (TOD) registration form
- IRA, Roth, Rollover, or SEP: the custodian's IRA beneficiary designation form (a different form from TOD)
- Vestwell 401(k)/403(b): the beneficiary election on the Vestwell participant site
- Variable annuity or variable life: the beneficiary change form from the issuing insurance company
- Full legal name, date of birth, SSN, relationship, and percentage for each primary and contingent beneficiary
5
Sign and leave the form with your advisor, who submits it to the custodian
6
Confirm the designation appears on the custodian's next statement or in the custodian's portal
Required Documents
- Trust name, date established, and tax ID (EIN or SSN)
Special Requirements
- Advisor-mediated: Carson publishes no beneficiary forms and cannot change a designation itself — every designation lives on the custodian's (or insurer's, or recordkeeper's) records
- Which form applies depends on the custodian, so a household with accounts at both Fidelity and Schwab files on two different sets of paperwork
- A TOD registration is for taxable accounts only; IRAs use a separate beneficiary designation
- A named beneficiary or TOD registration controls over the will for that account
- Spousal consent is generally required to name a non-spouse beneficiary on an employer plan, and community property states impose their own consent rules on retirement accounts
Sources
Data sourced from Carson primary sources (13 pages reviewed). How we research.
Download these Carson instructions
Download instructions for the whole estateA printable PDF with the steps, required documents, and contact details — verified against Carson primary sources. Bring it to the branch or keep it beside the phone.
C
Carson Group
Phone888-321-0808
Mailing Address
Carson Group, 14600 Branch Street, Omaha, NE 68154
WebsiteLearn more→
Estate planning support (Advanced Planning Team, engaged through your advisor)
Phone888-321-0808
WebsiteLearn more→
No dedicated claims department — report a death to the decedent's Carson advisor; the custodian (Fidelity or Schwab) processes the claim
Phone888-321-0808
Mailing Address
Carson Group, 14600 Branch Street, Omaha, NE 68154
WebsiteNotify online→
Verified Jul 2026
Estate planning articles
Learn how to protect your Carson accounts and other assets with trusts, beneficiary designations, and estate planning documents.
