How to name beneficiaries and fund a trust at EP Wealth

A trust can be named as beneficiary, by its exact name, the date of the trust agreement and its tax identification number.¹

An IRA cannot be retitled to a trust; a trust can only be named as its beneficiary.¹

Primary and contingent beneficiaries can be named, with percentage allocations totaling 100%.¹

Some custodian forms require a wet signature and must be returned by mail or secure upload; the custodian will tell you which.¹

For investment accounts. Completed by the account owner. Sent by the institution on request.¹

For IRAs. Completed by the account owner. Sent by the institution on request.¹

Named beneficiaries and TOD registrations override the will and trust for those accounts.¹

The beneficiary designation of record is held by the custodian, Schwab or Fidelity, not by EP Wealth. A change discussed with your advisor is not effective until the custodian processes its form.¹

EP Wealth's two client logins do not hold the beneficiary designation of record: the Personal Website is an eMoney planning site and e-Statements is a Tamarac reporting portal.^{2, 3}

A taxable brokerage account can be retitled into your revocable living trust through the custodian.¹

IRAs, including SEP and SIMPLE IRAs, cannot be retitled to a trust. They stay in the individual's name and can only name the trust as beneficiary.¹

A Solo 401(k) cannot be retitled to a trust. It stays in the individual's name and can only name the trust as beneficiary.¹

Completed by the account owner; EP Wealth prepares and routes it to the custodian. Sent by the institution on request.¹

The custodian opens the trust-titled account and moves the positions in kind. EP Wealth continues managing the portfolio inside the trust-titled account.¹

Your EP Wealth advisor reviews your trust against your accounts when you start the retitling.¹

Custody of EP Wealth advisory accounts, and their beneficiary designations and trust retitling⁵

Custody of EP Wealth advisory accounts, and their beneficiary designations and trust retitling⁵

Professional trust administration for EP Wealth clients who want it, under its own service agreement⁵