
How to name beneficiaries and fund a trust at Cerity Partners
Beneficiaries are managed in branch, by phone or by mail. Trust paperwork is taken in branch, by phone or by mail
Estate planning for your Cerity Partners 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 10 product types, Cerity Partners 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.
Beneficiary form at Cerity Partners
Custodian's TOD (transfer on death) agreement (for investment accounts) and Custodian's IRA beneficiary designation form (for IRAs).
- Full legal name, date of birth, SSN, relationship, and allocation percentage per beneficiary
- Taxable advisory accounts use the custodian's TOD agreement; IRAs use the custodian's IRA beneficiary form
Required Documents
- Each beneficiary's full legal name
- Each beneficiary's date of birth
- Each beneficiary's Social Security number
- Each beneficiary's relationship to you
- Each beneficiary's allocation percentage
- Exact trust name, the date it was established and its tax ID (when naming a trust)
- Government-issued photo ID (at a meeting in a Cerity Partners office)
- Copy of the trust or Certificate of Trust (when naming a trust, at a meeting in a Cerity Partners office)
- Certificate of Trust or the full trust agreement, plus any amendments
- Photo ID for every trustee
- The trust EIN if the trust is irrevocable
- The trust name exactly as written in the trust document
- The date the trust was established
- The trust's tax ID
- Every trustee's name, address, and date of birth
- Certificate of Trust or the trust agreement
- Photo ID copies for every trustee
Required Documents
- Certificate of Trust or full trust agreement. Either is taken; the full trust agreement comes with any amendments
- Government-issued photo ID (for every trustee)
- The trust's tax ID
- Trust name exactly as written in the trust document, and the date it was established (on the custodian's forms)
- Every trustee's name, address and date of birth (on the custodian's forms)
- The custodian's account retitling or trust account application. From Charles Schwab or Fidelity, whichever holds the account
- Full legal name, date of birth, SSN, relationship, and allocation percentage per beneficiary
- Taxable advisory accounts use the custodian's TOD agreement; IRAs use the custodian's IRA beneficiary form
Required Documents
- Each beneficiary's full legal name
- Each beneficiary's date of birth
- Each beneficiary's Social Security number
- Each beneficiary's relationship to you
- Each beneficiary's allocation percentage
- Exact trust name, the date it was established and its tax ID (when naming a trust)
- Government-issued photo ID (at a meeting in a Cerity Partners office)
- Copy of the trust or Certificate of Trust (when naming a trust, at a meeting in a Cerity Partners office)
- Full legal name, date of birth, SSN, relationship, and allocation percentage per beneficiary
- Taxable advisory accounts use the custodian's TOD agreement; IRAs use the custodian's IRA beneficiary form
Required Documents
- Each beneficiary's full legal name
- Each beneficiary's date of birth
- Each beneficiary's Social Security number
- Each beneficiary's relationship to you
- Each beneficiary's allocation percentage
- Exact trust name, the date it was established and its tax ID (when naming a trust)
- Government-issued photo ID (at a meeting in a Cerity Partners office)
- Copy of the trust or Certificate of Trust (when naming a trust, at a meeting in a Cerity Partners office)
What Cerity Partners says about beneficiaries and trusts
Each section is Cerity Partners's own statement, with the document it comes from numbered under Sources.
Which accounts take a beneficiary2
Who can be named1
How many beneficiaries, and how shares are split
- All accounts
Primary and contingent allocations total 100 percent in each tier.1
Beneficiary forms Cerity Partners issues2
- Custodian's TOD (transfer on death) agreement
For investment accounts. Completed by the account owner; the advisor submits it to the custodian. Sent by the institution on request.1
- Custodian's IRA beneficiary designation form
For IRAs. Completed by the account owner; the advisor submits it to the custodian. Sent by the institution on request.1
What Cerity Partners's agreement says about beneficiaries2
- A designation and a will
A named beneficiary on the custodian's form controls the account at death and overrides your will.1
- Online access
The logins in the Cerity Partners site menu (Addepar, Orion, Black Diamond, eMoney, Cerity Partners Cash Management, MoneyGuide Pro, ShareFile, Box and Secure Email) are third-party reporting, planning and file-exchange platforms.1
None of those logins is a place to file a beneficiary change.1
Which accounts a trust can hold3
- Investment account
An advisory account is retitled into the trust as a custodian transaction that your advisor submits. The custodian re-registers the account in the trust's name.1, 2
- IRA
An IRA cannot be retitled to the trust and keeps its own beneficiary form. The trust can only be named as beneficiary on the custodian's form.1
- Employer retirement plan
An employer retirement plan cannot be retitled to a trust. The trust can only be named as beneficiary on the recordkeeper's form.1
Trust account forms Cerity Partners issues1
- Custodian's account retitling or trust account application
Completed by the trustees; the advisor submits it to the custodian. Sent by the institution on request.1
Accounts handled elsewhere2
- Charles Schwab & Co., Inc.
Custody of Cerity Partners advisory accounts, and their beneficiary and trust registration paperwork2
Not in Cerity Partners's published guidance3
- An online way to name a beneficiary
- A Cerity Partners beneficiary form
- A Cerity Partners trust-funding form
Sources
Data sourced from Cerity Partners primary sources (15 pages reviewed). How we research.
Download these Cerity Partners instructions
Download instructions for the whole estateA printable PDF with the steps, required documents, and contact details — verified against Cerity Partners primary sources. Bring it to the branch or keep it beside the phone.
Cerity Partners estate support
Estate & Gift Planning (and Beneficiary Financial Counseling for employer-sponsored cases)
Phone
Hours
Mailing address
Website
Estate planning articles
Learn how to protect your Cerity Partners accounts and other assets with trusts, beneficiary designations, and estate planning documents.
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