Estate planning at Great-West Life

No. Employer-sponsored plan accounts (401(k), 403(b), 457(b)) and IRAs (Traditional and Roth) cannot be retitled into a trust under federal tax law - they must remain individually owned. The same applies to in-plan annuity contracts such as SecureFoundation II, Smart Track, and the general-account fixed product, because they sit inside the underlying plan or IRA. The trust path for these accounts is to name the trust as primary or contingent beneficiary. Update the designation at https://participant.empower-retirement.com or by submitting a Beneficiary Designation Form to Empower, P.O. Box 173764, Denver, CO 80217-3764. Spousal consent (notarized) is required on most 401(k) and 403(b) plans if the trust is named instead of the spouse.