Estate planning at Independent Bank
How to protect 13 Independent Bank accounts — manage beneficiaries in-branch, fund a trust in-branch, and file claims through Independent Bank's IB Wealth Management (a marketing name of Cetera Investment Services)
Customer Connection Hub
Independent Bank, 4200 East Beltline Ave NE, Grand Rapids, MI 49525
IB Wealth Management (a marketing name of Cetera Investment Services)
IB Wealth Management, 230 West Main Street, Ionia, MI 48846
Customer Connection Hub
Independent Bank, 4200 East Beltline Ave NE, Grand Rapids, MI 49525
Independent Bank has 13 accounts, each with different rules for what happens when the account holder dies. Of those, 9 can name a trust as beneficiary or be retitled into a trust. The right combination of beneficiary designations and trust ownership can keep the entire portfolio out of probate.
Account holders can update their beneficiary designations at Independent Bank in branch, by mail, and by phone. Accounts can also be retitled into a trust to keep them out of probate entirely.
There are two sides to estate planning at Independent Bank: setting things up while you're alive, and the process survivors follow after a death.
Preparing your estate
Beneficiaries and trust funding
How to update beneficiaries in-branch, fund a trust in-branch, and review 13 account types at Independent Bank.
View details →When someone dies
Death claim process
Contact Independent Bank's IB Wealth Management (a marketing name of Cetera Investment Services) to file a claim. 6-step process, 9 required documents, and contact information for survivors.
View details →Reach Independent Bank's IB Wealth Management (a marketing name of Cetera Investment Services) at 800-300-0459 for help with any of these procedures. Email inquiries can be sent to ibwealth@ibcp.com.
Independent Bank is not available nationwide. Estate planning procedures may vary by state, so confirm that your location is served before making account changes.
Sources
Data sourced from Independent Bank primary sources (21 pages reviewed). How we research.
Customer Connection Hub
Independent Bank, 4200 East Beltline Ave NE, Grand Rapids, MI 49525
IB Wealth Management (a marketing name of Cetera Investment Services)
IB Wealth Management, 230 West Main Street, Ionia, MI 48846
Customer Connection Hub
Independent Bank, 4200 East Beltline Ave NE, Grand Rapids, MI 49525
Estate planning articles
Learn how to protect your Independent Bank accounts and other assets with trusts, beneficiary designations, and estate planning documents.
