How to name beneficiaries and fund a trust at Moneta
Beneficiaries are managed online, in branch, by phone or by mail. Trust paperwork is taken in branch, by phone or by mail
Preparing your Moneta investment accounts for estate transfer involves two primary strategies: designating beneficiaries on individual accounts and, where supported, retitling accounts into a revocable living trust. Both approaches bypass probate, but they work differently depending on the account type.
The transfer rules at Moneta vary across 9 investment accounts. Below is a breakdown of beneficiary options, trust funding, and which products support each method.
Beneficiary form at Moneta
The custodian's TOD or beneficiary form.
Comprehensive Financial Management (Family CFO)Managed Taxable AccountMoneta Trust Corporate Trustee AccountHeld-Away Asset ServicesBill Pay, Bookkeeping and Concierge Services
1
Contact your Moneta team (the St. Louis headquarters line is (314) 726-2300, or use monetagroup.com/contact) and say you want to review beneficiary designations across the accounts they manage
2
Find where each designation is held:
- Taxable and retirement accounts managed by Moneta are held at a qualified custodian; TOD and beneficiary designations are made on whichever custodian holds the account
- The brochure names Charles Schwab & Co., Inc. and Fidelity Brokerage Services, LLC as the custodians Moneta recommends
- Form ADV Part 1 Schedule D 5.K.(3) also reports Commerce Bank, N.A. (Commerce Trust Company) holding more than ten percent of Moneta separately managed account assets
- Confirm which custodian holds the specific account before requesting a form
- Held-away assets (an outside annuity, an old brokerage account, an employer plan, a Flourish cash-management account) keep their designations at the institution that holds them
- Employer plan designations belong to the plan recordkeeper
3
Complete the custodian's TOD or beneficiary form for each account, with primary and contingent beneficiaries and percentage allocations. Your Moneta team coordinates the paperwork with the custodian; Moneta itself does not hold the designation
4
To name a trust, give the custodian the exact trust name, the date of the trust, the trustee(s), and the trust taxpayer ID; a certification of trust is normally what the custodian wants
5
Sign and store the paperwork through the Moneta Central client portal where your team uses it (monetagroup.com/client-portal); the page links an Orion Portal for clients who have not set up Moneta Central
6
Check that the designation landed on the custodian's own statement or portal, not only the Moneta performance report. Moneta relies on custodian data feeds, and Item 15 of its brochure tells clients to compare custodian statements against anything Moneta sends
1
Contact your Moneta team (the St. Louis headquarters line is (314) 726-2300, or use monetagroup.com/contact) and say you want to review beneficiary designations across the accounts they manage
2
Find where each designation is held:
- Taxable and retirement accounts managed by Moneta are held at a qualified custodian; TOD and beneficiary designations are made on whichever custodian holds the account
- The brochure names Charles Schwab & Co., Inc. and Fidelity Brokerage Services, LLC as the custodians Moneta recommends
- Form ADV Part 1 Schedule D 5.K.(3) also reports Commerce Bank, N.A. (Commerce Trust Company) holding more than ten percent of Moneta separately managed account assets
- Confirm which custodian holds the specific account before requesting a form
- Held-away assets (an outside annuity, an old brokerage account, an employer plan, a Flourish cash-management account) keep their designations at the institution that holds them
- Employer plan designations belong to the plan recordkeeper
3
Complete the custodian's TOD or beneficiary form for each account, with primary and contingent beneficiaries and percentage allocations. Your Moneta team coordinates the paperwork with the custodian; Moneta itself does not hold the designation
4
To name a trust, give the custodian the exact trust name, the date of the trust, the trustee(s), and the trust taxpayer ID; a certification of trust is normally what the custodian wants
5
Sign and store the paperwork through the Moneta Central client portal where your team uses it (monetagroup.com/client-portal); the page links an Orion Portal for clients who have not set up Moneta Central
6
Check that the designation landed on the custodian's own statement or portal, not only the Moneta performance report. Moneta relies on custodian data feeds, and Item 15 of its brochure tells clients to compare custodian statements against anything Moneta sends
1
Contact your Moneta team (the St. Louis headquarters line is (314) 726-2300, or use monetagroup.com/contact) and say you want to review beneficiary designations across the accounts they manage
2
Find where each designation is held:
- Taxable and retirement accounts managed by Moneta are held at a qualified custodian; TOD and beneficiary designations are made on whichever custodian holds the account
- The brochure names Charles Schwab & Co., Inc. and Fidelity Brokerage Services, LLC as the custodians Moneta recommends
- Form ADV Part 1 Schedule D 5.K.(3) also reports Commerce Bank, N.A. (Commerce Trust Company) holding more than ten percent of Moneta separately managed account assets
- Confirm which custodian holds the specific account before requesting a form
- Held-away assets (an outside annuity, an old brokerage account, an employer plan, a Flourish cash-management account) keep their designations at the institution that holds them
- Employer plan designations belong to the plan recordkeeper
3
Complete the custodian's TOD or beneficiary form for each account, with primary and contingent beneficiaries and percentage allocations. Your Moneta team coordinates the paperwork with the custodian; Moneta itself does not hold the designation
4
To name a trust, give the custodian the exact trust name, the date of the trust, the trustee(s), and the trust taxpayer ID; a certification of trust is normally what the custodian wants
5
Sign and store the paperwork through the Moneta Central client portal where your team uses it (monetagroup.com/client-portal); the page links an Orion Portal for clients who have not set up Moneta Central
6
Check that the designation landed on the custodian's own statement or portal, not only the Moneta performance report. Moneta relies on custodian data feeds, and Item 15 of its brochure tells clients to compare custodian statements against anything Moneta sends
1
Contact your Moneta team (the St. Louis headquarters line is (314) 726-2300, or use monetagroup.com/contact) and say you want to review beneficiary designations across the accounts they manage
2
Find where each designation is held:
- Taxable and retirement accounts managed by Moneta are held at a qualified custodian; TOD and beneficiary designations are made on whichever custodian holds the account
- The brochure names Charles Schwab & Co., Inc. and Fidelity Brokerage Services, LLC as the custodians Moneta recommends
- Form ADV Part 1 Schedule D 5.K.(3) also reports Commerce Bank, N.A. (Commerce Trust Company) holding more than ten percent of Moneta separately managed account assets
- Confirm which custodian holds the specific account before requesting a form
- Held-away assets (an outside annuity, an old brokerage account, an employer plan, a Flourish cash-management account) keep their designations at the institution that holds them
- Employer plan designations belong to the plan recordkeeper
3
Complete the custodian's TOD or beneficiary form for each account, with primary and contingent beneficiaries and percentage allocations. Your Moneta team coordinates the paperwork with the custodian; Moneta itself does not hold the designation
4
To name a trust, give the custodian the exact trust name, the date of the trust, the trustee(s), and the trust taxpayer ID; a certification of trust is normally what the custodian wants
5
Sign and store the paperwork through the Moneta Central client portal where your team uses it (monetagroup.com/client-portal); the page links an Orion Portal for clients who have not set up Moneta Central
6
Check that the designation landed on the custodian's own statement or portal, not only the Moneta performance report. Moneta relies on custodian data feeds, and Item 15 of its brochure tells clients to compare custodian statements against anything Moneta sends
Required Documents
- The custodian's TOD or beneficiary form, completed (for each account)
- Exact trust name, the date of the trust, the trustees and the trust taxpayer ID (when naming a trust)
- Certification of trust (when naming a trust). Normally what the custodian wants
1
Tell your Moneta team you are funding a revocable living trust and give them the executed trust and a certification of trust. Moneta's estate and administration services include analyzing optimal property titling, so the team can map which accounts should move
2
Retitling happens at the custodian, not at Moneta:
- The custodian (Schwab or Fidelity on Moneta's recommended platforms, or Commerce Bank, N.A. (Commerce Trust Company) where that is the account's custodian) opens the trust-titled account
- Moneta's advisory agreement is re-papered to the trust
- Provide a certification of trust or the trust agreement, government ID for each trustee, and the trust taxpayer ID
- Moneta then manages the trust-titled account under the same engagement
3
If the trust needs a professional trustee, the affiliate is Moneta Trust:
- Moneta Trust is a Kansas-chartered non-depository retail trust company regulated by the Kansas Office of the State Bank Commissioner
- It is wholly owned by Moneta Holding Corp., itself owned by Moneta Group, LLC
- Its Kansas charter number is TC.0099045 and its charter address of record is 5901 College Blvd, Suite 100, Overland Park, KS 66211
- It serves as corporate trustee for personal trusts, certain retirement plan accounts, life insurance trusts, and charitable trusts, and can be the single trustee for liquid and illiquid assets
- Trust assets are held in segregated trust accounts at qualified third-party custodians, identified as belonging to Moneta Trust as trustee
- Moneta and Moneta Trust have an agreement delegating investment advisory functions back to Moneta, and fees paid to Moneta Trust are separate from and in addition to Moneta's fees
- Moneta's brochure discloses this as a conflict of interest and states clients are not obligated to use Moneta Trust and may use any custodian or trustee of their own choosing
- Details are at monetagroup.com/trust-services; the trust client login is on monetatrust.com
4
IRAs and employer plans cannot be retitled to a trust; a trust can be named as beneficiary on the custodian's or recordkeeper's form
5
Confirm on the custodian's own statement that the account now carries the trust title
1
Tell your Moneta team you are funding a revocable living trust and give them the executed trust and a certification of trust. Moneta's estate and administration services include analyzing optimal property titling, so the team can map which accounts should move
2
Retitling happens at the custodian, not at Moneta:
- The custodian (Schwab or Fidelity on Moneta's recommended platforms, or Commerce Bank, N.A. (Commerce Trust Company) where that is the account's custodian) opens the trust-titled account
- Moneta's advisory agreement is re-papered to the trust
- Provide a certification of trust or the trust agreement, government ID for each trustee, and the trust taxpayer ID
- Moneta then manages the trust-titled account under the same engagement
3
If the trust needs a professional trustee, the affiliate is Moneta Trust:
- Moneta Trust is a Kansas-chartered non-depository retail trust company regulated by the Kansas Office of the State Bank Commissioner
- It is wholly owned by Moneta Holding Corp., itself owned by Moneta Group, LLC
- Its Kansas charter number is TC.0099045 and its charter address of record is 5901 College Blvd, Suite 100, Overland Park, KS 66211
- It serves as corporate trustee for personal trusts, certain retirement plan accounts, life insurance trusts, and charitable trusts, and can be the single trustee for liquid and illiquid assets
- Trust assets are held in segregated trust accounts at qualified third-party custodians, identified as belonging to Moneta Trust as trustee
- Moneta and Moneta Trust have an agreement delegating investment advisory functions back to Moneta, and fees paid to Moneta Trust are separate from and in addition to Moneta's fees
- Moneta's brochure discloses this as a conflict of interest and states clients are not obligated to use Moneta Trust and may use any custodian or trustee of their own choosing
- Details are at monetagroup.com/trust-services; the trust client login is on monetatrust.com
4
IRAs and employer plans cannot be retitled to a trust; a trust can be named as beneficiary on the custodian's or recordkeeper's form
5
Confirm on the custodian's own statement that the account now carries the trust title
1
Tell your Moneta team you are funding a revocable living trust and give them the executed trust and a certification of trust. Moneta's estate and administration services include analyzing optimal property titling, so the team can map which accounts should move
2
Retitling happens at the custodian, not at Moneta:
- The custodian (Schwab or Fidelity on Moneta's recommended platforms, or Commerce Bank, N.A. (Commerce Trust Company) where that is the account's custodian) opens the trust-titled account
- Moneta's advisory agreement is re-papered to the trust
- Provide a certification of trust or the trust agreement, government ID for each trustee, and the trust taxpayer ID
- Moneta then manages the trust-titled account under the same engagement
3
If the trust needs a professional trustee, the affiliate is Moneta Trust:
- Moneta Trust is a Kansas-chartered non-depository retail trust company regulated by the Kansas Office of the State Bank Commissioner
- It is wholly owned by Moneta Holding Corp., itself owned by Moneta Group, LLC
- Its Kansas charter number is TC.0099045 and its charter address of record is 5901 College Blvd, Suite 100, Overland Park, KS 66211
- It serves as corporate trustee for personal trusts, certain retirement plan accounts, life insurance trusts, and charitable trusts, and can be the single trustee for liquid and illiquid assets
- Trust assets are held in segregated trust accounts at qualified third-party custodians, identified as belonging to Moneta Trust as trustee
- Moneta and Moneta Trust have an agreement delegating investment advisory functions back to Moneta, and fees paid to Moneta Trust are separate from and in addition to Moneta's fees
- Moneta's brochure discloses this as a conflict of interest and states clients are not obligated to use Moneta Trust and may use any custodian or trustee of their own choosing
- Details are at monetagroup.com/trust-services; the trust client login is on monetatrust.com
4
IRAs and employer plans cannot be retitled to a trust; a trust can be named as beneficiary on the custodian's or recordkeeper's form
5
Confirm on the custodian's own statement that the account now carries the trust title
Required Documents
- Certification of trust or a copy of the executed trust agreement. Either is taken, as the custodian requires; a certification of trust is the usual custodian requirement
- Government-issued ID (for each trustee)
- Trust taxpayer identification number
- A new or amended advisory agreement in the name of the trust
- Successor-trustee documentation (if a successor is taking over)
Traditional IRARoth IRARollover IRAEmployer Retirement Plan (Moneta as plan consultant or ERISA 3(38) manager)
1
Contact your Moneta team (the St. Louis headquarters line is (314) 726-2300, or use monetagroup.com/contact) and say you want to review beneficiary designations across the accounts they manage
2
Find where each designation is held:
- Taxable and retirement accounts managed by Moneta are held at a qualified custodian; TOD and beneficiary designations are made on whichever custodian holds the account
- The brochure names Charles Schwab & Co., Inc. and Fidelity Brokerage Services, LLC as the custodians Moneta recommends
- Form ADV Part 1 Schedule D 5.K.(3) also reports Commerce Bank, N.A. (Commerce Trust Company) holding more than ten percent of Moneta separately managed account assets
- Confirm which custodian holds the specific account before requesting a form
- Held-away assets (an outside annuity, an old brokerage account, an employer plan, a Flourish cash-management account) keep their designations at the institution that holds them
- Employer plan designations belong to the plan recordkeeper
3
Complete the custodian's TOD or beneficiary form for each account, with primary and contingent beneficiaries and percentage allocations. Your Moneta team coordinates the paperwork with the custodian; Moneta itself does not hold the designation
4
To name a trust, give the custodian the exact trust name, the date of the trust, the trustee(s), and the trust taxpayer ID; a certification of trust is normally what the custodian wants
5
Sign and store the paperwork through the Moneta Central client portal where your team uses it (monetagroup.com/client-portal); the page links an Orion Portal for clients who have not set up Moneta Central
6
Check that the designation landed on the custodian's own statement or portal, not only the Moneta performance report. Moneta relies on custodian data feeds, and Item 15 of its brochure tells clients to compare custodian statements against anything Moneta sends
1
Contact your Moneta team (the St. Louis headquarters line is (314) 726-2300, or use monetagroup.com/contact) and say you want to review beneficiary designations across the accounts they manage
2
Find where each designation is held:
- Taxable and retirement accounts managed by Moneta are held at a qualified custodian; TOD and beneficiary designations are made on whichever custodian holds the account
- The brochure names Charles Schwab & Co., Inc. and Fidelity Brokerage Services, LLC as the custodians Moneta recommends
- Form ADV Part 1 Schedule D 5.K.(3) also reports Commerce Bank, N.A. (Commerce Trust Company) holding more than ten percent of Moneta separately managed account assets
- Confirm which custodian holds the specific account before requesting a form
- Held-away assets (an outside annuity, an old brokerage account, an employer plan, a Flourish cash-management account) keep their designations at the institution that holds them
- Employer plan designations belong to the plan recordkeeper
3
Complete the custodian's TOD or beneficiary form for each account, with primary and contingent beneficiaries and percentage allocations. Your Moneta team coordinates the paperwork with the custodian; Moneta itself does not hold the designation
4
To name a trust, give the custodian the exact trust name, the date of the trust, the trustee(s), and the trust taxpayer ID; a certification of trust is normally what the custodian wants
5
Sign and store the paperwork through the Moneta Central client portal where your team uses it (monetagroup.com/client-portal); the page links an Orion Portal for clients who have not set up Moneta Central
6
Check that the designation landed on the custodian's own statement or portal, not only the Moneta performance report. Moneta relies on custodian data feeds, and Item 15 of its brochure tells clients to compare custodian statements against anything Moneta sends
1
Contact your Moneta team (the St. Louis headquarters line is (314) 726-2300, or use monetagroup.com/contact) and say you want to review beneficiary designations across the accounts they manage
2
Find where each designation is held:
- Taxable and retirement accounts managed by Moneta are held at a qualified custodian; TOD and beneficiary designations are made on whichever custodian holds the account
- The brochure names Charles Schwab & Co., Inc. and Fidelity Brokerage Services, LLC as the custodians Moneta recommends
- Form ADV Part 1 Schedule D 5.K.(3) also reports Commerce Bank, N.A. (Commerce Trust Company) holding more than ten percent of Moneta separately managed account assets
- Confirm which custodian holds the specific account before requesting a form
- Held-away assets (an outside annuity, an old brokerage account, an employer plan, a Flourish cash-management account) keep their designations at the institution that holds them
- Employer plan designations belong to the plan recordkeeper
3
Complete the custodian's TOD or beneficiary form for each account, with primary and contingent beneficiaries and percentage allocations. Your Moneta team coordinates the paperwork with the custodian; Moneta itself does not hold the designation
4
To name a trust, give the custodian the exact trust name, the date of the trust, the trustee(s), and the trust taxpayer ID; a certification of trust is normally what the custodian wants
5
Sign and store the paperwork through the Moneta Central client portal where your team uses it (monetagroup.com/client-portal); the page links an Orion Portal for clients who have not set up Moneta Central
6
Check that the designation landed on the custodian's own statement or portal, not only the Moneta performance report. Moneta relies on custodian data feeds, and Item 15 of its brochure tells clients to compare custodian statements against anything Moneta sends
1
Contact your Moneta team (the St. Louis headquarters line is (314) 726-2300, or use monetagroup.com/contact) and say you want to review beneficiary designations across the accounts they manage
2
Find where each designation is held:
- Taxable and retirement accounts managed by Moneta are held at a qualified custodian; TOD and beneficiary designations are made on whichever custodian holds the account
- The brochure names Charles Schwab & Co., Inc. and Fidelity Brokerage Services, LLC as the custodians Moneta recommends
- Form ADV Part 1 Schedule D 5.K.(3) also reports Commerce Bank, N.A. (Commerce Trust Company) holding more than ten percent of Moneta separately managed account assets
- Confirm which custodian holds the specific account before requesting a form
- Held-away assets (an outside annuity, an old brokerage account, an employer plan, a Flourish cash-management account) keep their designations at the institution that holds them
- Employer plan designations belong to the plan recordkeeper
3
Complete the custodian's TOD or beneficiary form for each account, with primary and contingent beneficiaries and percentage allocations. Your Moneta team coordinates the paperwork with the custodian; Moneta itself does not hold the designation
4
To name a trust, give the custodian the exact trust name, the date of the trust, the trustee(s), and the trust taxpayer ID; a certification of trust is normally what the custodian wants
5
Sign and store the paperwork through the Moneta Central client portal where your team uses it (monetagroup.com/client-portal); the page links an Orion Portal for clients who have not set up Moneta Central
6
Check that the designation landed on the custodian's own statement or portal, not only the Moneta performance report. Moneta relies on custodian data feeds, and Item 15 of its brochure tells clients to compare custodian statements against anything Moneta sends
Required Documents
- The custodian's TOD or beneficiary form, completed (for each account)
- Exact trust name, the date of the trust, the trustees and the trust taxpayer ID (when naming a trust)
- Certification of trust (when naming a trust). Normally what the custodian wants
What Moneta says about beneficiaries and trusts
Each section is Moneta's own statement, with the document it comes from numbered under Sources.
Which accounts take a beneficiary4
- Investment account
A taxable account managed by Moneta is held at a qualified custodian, and its TOD designation is made on whichever custodian holds the account.1
- IRA
A retirement account managed by Moneta is held at a qualified custodian, and its beneficiary designation is made on whichever custodian holds the account.1
- Employer retirement plan
An employer plan's beneficiary designation is held by the plan recordkeeper.2
- Trust account
Assets held with Moneta Trust as corporate trustee sit in segregated trust accounts at a third-party custodian in the name of Moneta Trust as trustee, so there is no separate beneficiary form; the trust instrument controls.3
Who can be named1
How many beneficiaries, and how shares are split
- All accounts
The custodian's form names primary and contingent beneficiaries with percentage allocations.2
Beneficiary forms Moneta issues1
- The custodian's TOD or beneficiary form
Completed by the account owner, with the Moneta team. Sent by the institution on request.2
What Moneta's agreement says about beneficiaries1
- A designation and a will
A named beneficiary or TOD designation overrides the will and the trust for that account.2
Which accounts a trust can hold2
What Moneta says about trust accounts2
- Whether a new account is opened
Moneta does not hold client assets, so it cannot retitle anything by itself: the trust-titled account is opened at the qualified custodian, and Moneta prepares the paperwork and keeps managing the portfolio afterward.2
A trust funded through Moneta involves two relationships: the custodian holds the assets and issues the statements, and Moneta manages them under an advisory agreement re-papered in the trust's name.2
- Fees
Where Moneta Trust serves as trustee, fees paid to Moneta Trust are separate from and in addition to the fees charged by Moneta.1
Accounts handled elsewhere4
- Charles Schwab & Co., Inc.
Custody of Moneta-managed accounts, with their TOD, beneficiary and trust account paperwork1, 4
- Fidelity Brokerage Services, LLC
Custody of Moneta-managed accounts, with their TOD, beneficiary and trust account paperwork1
- Commerce Bank, N.A. (Commerce Trust Company)
Custody of Moneta separately managed accounts, with their TOD, beneficiary and trust account paperwork4
- Moneta Trust
Corporate trustee for personal trusts, certain retirement plan accounts, life insurance trusts and charitable trusts3, 5, 1
Sources
Show 4 more sourcesShow fewer sources
Data sourced from Moneta primary sources (20 pages reviewed). How we research.
Download these Moneta instructions
Download instructions for the whole estateA printable PDF with the steps, required documents, and contact details — verified against Moneta primary sources. Bring it to the branch or keep it beside the phone.
Moneta estate support
Moneta Trust (corporate trustee)
Phone
Hours
Monday-Friday 8:00 AM-5:00 PM CT
Mailing address
Moneta Group Investment Advisors, LLC, 190 Carondelet Plaza, Suite 1200, St. Louis, MO 63105
Website
Verified Sep 2026
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