How to name beneficiaries and fund a trust at Moneta
Covers 4 investment, and 4 retirement accounts — beneficiaries can be managed online
Moneta (St. Louis headquarters)
Moneta Group Investment Advisors, LLC, 190 Carondelet Plaza, Suite 1200, St. Louis, MO 63105
Moneta Trust (corporate trustee) and Moneta Family Office estate services
Moneta Group Investment Advisors, LLC, 190 Carondelet Plaza, Suite 1200, St. Louis, MO 63105
No Moneta claims department — notify the client's Moneta team, which coordinates; the claim is filed with the qualified custodian (Schwab or Fidelity)
Moneta Group Investment Advisors, LLC, 190 Carondelet Plaza, Suite 1200, St. Louis, MO 63105
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 8 investment accounts. Below is a breakdown of beneficiary options, trust funding, and which products support each method.
Required Documents
- Trust name, date established, and tax ID (EIN or SSN)
Special Requirements
- Moneta is a registered investment adviser, not a custodian: it does not hold your accounts and does not maintain the beneficiary designation. Every TOD or beneficiary form is the custodian's (Schwab or Fidelity for accounts on Moneta's recommended platforms)
- Employer-sponsored plan designations are held by the plan recordkeeper; ERISA spousal consent may be required to name someone other than a spouse
- A named beneficiary or TOD designation overrides the will and the trust for that account
- Held-away assets Moneta advises on but does not custody keep their beneficiary designations at the holding institution
- Moneta clients who use Moneta Trust as corporate trustee hold those assets in segregated trust accounts at a third-party custodian in the name of Moneta Trust as trustee
Sources
- monetagroup.com
- monetafamilyoffice.com
- adviserinfo.sec.gov
- files.adviserinfo.sec.gov
- monetatrust.com
- reports.adviserinfo.sec.gov
- team.monetagroup.com
Data sourced from Moneta primary sources (16 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 (St. Louis headquarters)
Moneta Group Investment Advisors, LLC, 190 Carondelet Plaza, Suite 1200, St. Louis, MO 63105
Moneta Trust (corporate trustee) and Moneta Family Office estate services
Moneta Group Investment Advisors, LLC, 190 Carondelet Plaza, Suite 1200, St. Louis, MO 63105
No Moneta claims department — notify the client's Moneta team, which coordinates; the claim is filed with the qualified custodian (Schwab or Fidelity)
Moneta Group Investment Advisors, LLC, 190 Carondelet Plaza, Suite 1200, St. Louis, MO 63105
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