Estate planning at Employee Fiduciary
How to protect 4 Employee Fiduciary accounts — manage beneficiaries by phone, fund a trust by mail, and file death claims
Participant Support
Employee Fiduciary, LLC, 205 N. Conception St., Mobile, AL 36603
Employee Fiduciary is a retirement provider managing 4 retirement retirement accounts. These tax-advantaged accounts transfer by beneficiary designation—not by will—making it critical to keep designations current and aligned with broader estate planning goals.
At Employee Fiduciary, beneficiary designations are managed by mail and by phone. Accounts can also be retitled into a trust to keep them out of probate entirely.
Employee Fiduciary provides specific procedures for both proactive estate planning and filing claims after a death.
Preparing your estate
Beneficiaries and trust funding
How to update beneficiaries by phone, fund a trust by mail, and review 4 account types at Employee Fiduciary.
View details →When someone dies
Death claim process
7-step process, 7 required documents, and contact information for survivors.
View details →Frequently asked questions
Per the participant support page at employeefiduciary.com/participant-support, beneficiary changes are made through your plan sponsor (typically your company CEO, president, owner, or HR manager) using a paper Beneficiary Designation Form, not through the online participant portal. You can also call participant support at (877) 401-5100, extension 1 (Monday-Friday, 8:00 AM - 5:00 PM CST), or email support@employeefiduciary.com for guidance on the form. You can name primary and contingent beneficiaries, including trusts, and specify percentage allocations totaling 100%. If you name anyone other than your spouse as primary beneficiary on an ERISA-covered plan, federal law requires notarized written spousal consent.
For ERISA-covered qualified retirement plans such as 401(k) and 403(b) plans, federal law requires written spousal consent when naming someone other than your spouse as the primary beneficiary. This applies to all Employee Fiduciary-administered plans subject to ERISA. Solo 401(k) plans for owner-only businesses may have different requirements depending on the plan document.
Sources
Data sourced from Employee Fiduciary primary sources (14 pages reviewed). How we research.
Participant Support
Employee Fiduciary, LLC, 205 N. Conception St., Mobile, AL 36603
Estate planning articles
Learn how to protect your Employee Fiduciary accounts and other assets with trusts, beneficiary designations, and estate planning documents.
