Estate planning at D.A. Davidson

Yes. Trusts can be named as TOD beneficiaries on brokerage accounts and as beneficiaries on IRA accounts. A copy of the trust agreement or Certificate of Trust is generally required. Consult a tax advisor regarding SECURE Act implications for trust beneficiaries on retirement accounts.

No. IRAs cannot be titled to a trust under IRS rules. However, you can name your trust as the beneficiary of your IRA. Consult a tax advisor before doing this, as there are significant tax implications under the SECURE Act for trust beneficiaries.

Yes. D.A. Davidson Trust Company, a subsidiary of D.A. Davidson Companies, provides fiduciary and trust administration services including trust management, estate settlement, and wealth planning. Trust officers specialize in revocable and irrevocable trusts, charitable trusts, and estate administration. D.A. Davidson Trust Company can be reached directly at (406) 791-7320.

The DADVANTAGE Asset Management Account is D.A. Davidson's all-in-one account combining brokerage, cash management, check writing, a debit card, bill pay, direct deposit, and securities-backed borrowing. Cash sweeps daily into an FDIC-insured bank deposit program with up to $2.5 million in FDIC coverage. The account can be retitled to a revocable living trust.

D.A. Davidson offers several wrap-fee advisory programs: Managed Funds Portfolio (MFP, $5,000 minimum), Unified Managed Account (UMA, $10,000-$100,000 minimum), Separate Account Management (SAM, $25,000-$100,000 minimum), Paragon ($10,000 minimum), and Choice ($24,000 minimum). Davidson Investment Advisors provides discretionary management. All advisory accounts can be retitled to a revocable living trust.

Yes. D.A. Davidson Companies is an employee-owned financial services holding company headquartered in Great Falls, Montana, founded in 1935. The firm has approximately 1,600 employees across nearly 100 offices in 29 states, with regional headquarters in Denver, Los Angeles, New York, Omaha, and Seattle.