How to name beneficiaries and fund a trust at Human Interest
Covers 7 retirement accounts — beneficiaries can be managed online
Customer Support
Phone1-855-622-7824
Mailing Address
655 Montgomery Street, Suite 1800, San Francisco, CA 94111
Sales
WebsiteLearn more→
Customer Support
Phone1-855-622-7824
Mailing Address
655 Montgomery Street, Suite 1800, San Francisco, CA 94111
Sales
WebsiteLearn more→
Verified Jul 2026
Who inherits your Human Interest retirement retirement accounts is determined by the beneficiary designation on file—not by your will. This makes keeping designations current one of the most important estate planning steps, especially because the choice of beneficiary also affects how inherited distributions are taxed.
Human Interest offers 7 retirement accounts, each with its own transfer rules. The sections below cover how to set up beneficiaries, fund a trust, and which products support each approach.
Human Interest 401(k) PlanHuman Interest Safe Harbor 401(k) PlanHuman Interest 403(b) PlanHuman Interest Profit Sharing PlanHuman Interest Solo 401(k)Human Interest IRA - TraditionalHuman Interest IRA - Roth
1
Log in to the participant portal at app.humaninterest.com.
2
Navigate to the beneficiary designation section.
3
Add or update primary and contingent beneficiaries:
- Enter allocation percentages for each beneficiary (must total 100%)
- For trust designations, provide the full legal trust name, trust date, and trustee name
4
Complete spousal consent if applicable.
5
Review and submit the designation.
Required Documents
- Trust name, date established, and tax ID (EIN or SSN)
Special Requirements
- Spousal consent required for married participants naming a non-spouse as primary beneficiary on ERISA-covered plans (401(k), 403(b))
- Trusts can be named as beneficiaries under standard IRS rules
- Beneficiary designations override wills and other estate planning documents
- Beneficiary changes take effect upon submission through the portal
Sources
Data sourced from Human Interest primary sources (16 pages reviewed). How we research.
Download these Human Interest instructions
Download instructions for the whole estateA printable PDF with the steps, required documents, and contact details — verified against Human Interest primary sources. Bring it to the branch or keep it beside the phone.
Customer Support
Phone1-855-622-7824
Mailing Address
655 Montgomery Street, Suite 1800, San Francisco, CA 94111
Sales
WebsiteLearn more→
Customer Support
Phone1-855-622-7824
Mailing Address
655 Montgomery Street, Suite 1800, San Francisco, CA 94111
Sales
WebsiteLearn more→
Verified Jul 2026
Estate planning articles
Learn how to protect your Human Interest accounts and other assets with trusts, beneficiary designations, and estate planning documents.
