Estate planning and settlement at Guideline
Name beneficiaries online and report a death at 1-888-344-5188
Guideline has changed ownershipAcquired, effective November 2025
Gusto completed its acquisition of Guideline on November 6, 2025. The product is now branded "Gusto 401(k) powered by Guideline" and the operating entity on every page footer is Gusto Retirement Services, LLC, held under Gusto Retirement Holdings, LLC (wholly owned by Gusto, Inc.). The Guideline brand, guideline.com, the my.guideline.com participant dashboard, and the help center at help.guideline.com are all still live; only the marketing product pages now redirect to gusto.com. Support email addresses are @retirement.gusto.com and the claims mailing address is Gusto, Inc., Attn: Retirement Care, Denver, CO.
Guideline manages 7 retirement retirement accounts where beneficiary designations—not a will—control who inherits the balance. Because these are tax-advantaged accounts, the designation also determines the tax treatment for whoever receives them.
Beneficiary designations at Guideline can be managed online, typically taking 5-10 minutes. Trust funding options vary by account type—check with Guideline for specifics.
Guideline has documented procedures for both preparing accounts during your lifetime and handling claims when an account holder passes away.
Beneficiaries and trust funding
How to manage beneficiaries online, and review 7 account types at Guideline.
Preparing your estate →Death claim process
Report the death to Guideline's Retirement Participant Support at 1-888-344-5188. The page lists the steps and the documents to send.
When someone dies →For questions about any of these procedures, contact Guideline's Plan sponsor / administrator support at 1-888-588-0719. Email inquiries can be sent to clients@retirement.gusto.com.
Sources
Data sourced from Guideline primary sources (15 pages reviewed). How we research.
Guideline customer support
Gusto Retirement Care (participant support)
Phone
Personal IRA savers
Rollovers & distributions
401(k) sponsors & administrators, active plans
New 401(k) plan onboarding
Existing 401(k) plans transferring to Gusto 401(k)
Gusto Retirement Pro partners
Sales & new plan inquiries
Hours
Mailing address
Website
Estate planning articles
Learn how to protect your Guideline accounts and other assets with trusts, beneficiary designations, and estate planning documents.
Forms for Planning Your Estate
Free forms for planning your estate: a will, living trust, pour-over will, both powers of attorney, living will, and TOD deed.
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Name a beneficiary to inherit your vehicle at death without probate. Available in 26 states and the District of Columbia.
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