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OverviewPreparing your estateWhen someone dies
OverviewPreparing your estateWhen someone dies
SimplyTrust forms
Letter of Instruction
Home→Financial Institutions→Guideline

Estate planning at Guideline

How to protect 7 Guideline accounts — manage beneficiaries online, fund a trust online, and file death claims

Guideline

Subsidiary of Gusto, Inc.

guideline.com→
Guideline logo
Phone1-888-344-5188
Emailsupport@retirement.gusto.com
Mailing Address

Gusto, Inc., Attn: Retirement Care, 1201 16th Street, Suite 350, Denver, CO 80202

IRA Support
1-888-810-3801
Rollovers & Distributions
1-888-498-2766
Plan Sponsors & Administrators
1-888-588-0719
Onboarding Plans
1-888-588-0446
Gusto Retirement Pro Partners
1-888-588-4698
Sales & New Plan Inquiries
1-888-228-3491 ext. 1
WebsiteLearn more→
Phone1-888-344-5188
Emailsupport@retirement.gusto.com
Mailing Address

Gusto, Inc., Attn: Retirement Care, 1201 16th Street, Suite 350, Denver, CO 80202

IRA Support
1-888-810-3801
Rollovers & Distributions
1-888-498-2766
Plan Sponsors & Administrators
1-888-588-0719
Onboarding Plans
1-888-588-0446
Gusto Retirement Pro Partners
1-888-588-4698
Sales & New Plan Inquiries
1-888-228-3491 ext. 1
WebsiteLearn more→

Gusto Retirement Care -- Participant Support (death claims)

Phone1-888-344-5188
Toll-Free1-888-344-5188
Emailsupport@retirement.gusto.com
Mailing Address

Gusto, Inc., Attn: Retirement Care, 1201 16th Street, Suite 350, Denver, CO 80202

WebsiteNotify online→
Verified Jul 2026

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 and by phone, typically taking 5-10 minutes. Trust funding is also available, allowing families to name a trust as the beneficiary of retirement accounts.

Guideline has documented procedures for both preparing accounts during your lifetime and handling claims when an account holder passes away.

Preparing your estate

Beneficiaries and trust funding

How to manage beneficiaries online, fund a trust online, and review 7 account types at Guideline.

View details →

When someone dies

Death claim process

7-step process, 8 required documents, and contact information for survivors.

View details →

Frequently asked questions

Yes. Guideline states that by law your spouse becomes your default sole primary beneficiary the moment you marry, regardless of who you named before. To name anyone else -- a child, a trust, a charity -- your spouse must give notarized written consent, and Guideline requires notarized consent AGAIN if you later change to a different beneficiary. The rule runs one way only: divorce does NOT automatically revoke a former spouse's rights to your Guideline account. If you divorce and never update the portal, your ex-spouse can still inherit the 401(k), and a will cannot override the designation on file.

SimplyTrustSimplyTrust Editorial·Updated July 12, 2026

Sources

  • help.guideline.com
  • guideline.com

Data sourced from Guideline primary sources (18 pages reviewed). How we research.

Guideline

Subsidiary of Gusto, Inc.

guideline.com→
Guideline logo
Phone1-888-344-5188
Emailsupport@retirement.gusto.com
Mailing Address

Gusto, Inc., Attn: Retirement Care, 1201 16th Street, Suite 350, Denver, CO 80202

IRA Support
1-888-810-3801
Rollovers & Distributions
1-888-498-2766
Plan Sponsors & Administrators
1-888-588-0719
Onboarding Plans
1-888-588-0446
Gusto Retirement Pro Partners
1-888-588-4698
Sales & New Plan Inquiries
1-888-228-3491 ext. 1
WebsiteLearn more→
Phone1-888-344-5188
Emailsupport@retirement.gusto.com
Mailing Address

Gusto, Inc., Attn: Retirement Care, 1201 16th Street, Suite 350, Denver, CO 80202

IRA Support
1-888-810-3801
Rollovers & Distributions
1-888-498-2766
Plan Sponsors & Administrators
1-888-588-0719
Onboarding Plans
1-888-588-0446
Gusto Retirement Pro Partners
1-888-588-4698
Sales & New Plan Inquiries
1-888-228-3491 ext. 1
WebsiteLearn more→

Gusto Retirement Care -- Participant Support (death claims)

Phone1-888-344-5188
Toll-Free1-888-344-5188
Emailsupport@retirement.gusto.com
Mailing Address

Gusto, Inc., Attn: Retirement Care, 1201 16th Street, Suite 350, Denver, CO 80202

WebsiteNotify online→
Verified Jul 2026

Estate planning articles

Learn how to protect your Guideline accounts and other assets with trusts, beneficiary designations, and estate planning documents.

Estate planning articles

Learn how to protect your Guideline accounts and other assets with trusts, beneficiary designations, and estate planning documents.

Reimbursable Trustee Expenses: A Clear Overview

Reimbursable Trustee Expenses: A Clear Overview

Which trustee expenses does a trust reimburse?
Estate Settlement
SimplyTrustSimplyTrust EditorialJuly 13, 2026
Refundable Executor Expenses: What Estates Cover

Refundable Executor Expenses: What Estates Cover

Learn which out-of-pocket costs executors recover from estates.
Estate Settlement
SimplyTrustSimplyTrust EditorialJuly 13, 2026
Dave Ramsey on Trusts: What We Agree and Disagree On

Dave Ramsey on Trusts: What We Agree and Disagree On

Dave Ramsey on trusts: any estate plan at all is a good thing. We agree about that. There's one thing we don't agree with him about on trusts, though.
Trusts
SimplyTrustSimplyTrust EditorialJuly 6, 2026
Jean Chatzky on Estate Planning: It’s a Gift

Jean Chatzky on Estate Planning: It’s a Gift

On estate planning, Jean Chatzky's most important reframe may be the simplest one. She says estate planning isn’t about your passing, it’s about your love for family.
Estate Planning
SimplyTrustSimplyTrust EditorialJuly 6, 2026
Robert Kiyosaki on Trusts: A Structural Necessity

Robert Kiyosaki on Trusts: A Structural Necessity

According to Robert Kiyosaki, trusts are a necessity for everyone, not only the wealthy.
Trusts
SimplyTrustSimplyTrust EditorialJune 30, 2026
Ramit Sethi on Estate Planning: Start With a Living Trust

Ramit Sethi on Estate Planning: Start With a Living Trust

Ramit Sethi on estate planning: start with a living trust and have regular conversations with your heirs about how to manage finances when the trust becomes active.
Trusts
SimplyTrustSimplyTrust EditorialJune 30, 2026