How to name beneficiaries and fund a trust at OneDigital Retirement
Covers 5 retirement, and 2 investment accounts — beneficiaries can be managed online
OneDigital (Atlanta headquarters)
Phone1-770-250-2900
Mailing Address
300 Galleria Pkwy SE, Suite 1100, Atlanta, GA 30339
Payroll Support
WebsiteLearn more→
OneDigital (Atlanta headquarters)
Phone1-770-250-2900
Mailing Address
300 Galleria Pkwy SE, Suite 1100, Atlanta, GA 30339
Payroll Support
WebsiteLearn more→
OneDigital does not operate a death-claims department. Use the headquarters line to reach the adviser on the account; the claim itself is filed with the plan's recordkeeper or the account's custodian.
Phone1-770-250-2900
Mailing Address
300 Galleria Pkwy SE, Suite 1100, Atlanta, GA 30339
WebsiteNotify online→
Verified Jul 2026
Estate planning for OneDigital Retirement retirement retirement accounts revolves around beneficiary designations. These designations—not a will—control who receives the account balance at death. For IRAs and employer-sponsored plans, the beneficiary designation also determines the tax treatment of inherited distributions, making it a decision with both legal and financial implications.
OneDigital Retirement 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.
Wealth Management and Financial PlanningPrivate Client Solutions
1
Log in to the plan's recordkeeper portal (employer plans; Ascensus for the Path Forward PEPs) or the custodian's portal (Schwab, Fidelity, or Raymond James for wealth accounts). There is no OneDigital portal that holds beneficiary designations.
2
Open the beneficiary section and enter primary and contingent beneficiaries with names, dates of birth, Social Security numbers, relationships, and percentages.
3
For a trust beneficiary, enter the exact legal trust name, the date signed, the current trustee, and the trust EIN.
4
Submit. If you are married and naming a non-spouse primary beneficiary on a qualified plan, print the spousal consent and have it witnessed by a notary public or a plan representative (26 U.S.C. 417(a)(2)) — an online submission alone will not satisfy it.
Required Documents
- Trust name, date established, and tax ID (EIN or SSN)
Special Requirements
- OneDigital does not hold beneficiary designations. The designation must be on file with the plan's recordkeeper (employer plans), the account custodian (wealth accounts), or the employer (nonqualified plans).
- Married participants naming anyone other than a spouse as primary beneficiary on a qualified plan need the spouse's written consent, witnessed by a plan representative or a notary public (26 U.S.C. 417(a)(2)).
- A trust named as beneficiary of a retirement plan must satisfy the see-through trust rules (Treas. Reg. 1.401(a)(9)-4) or the plan will be forced into a faster, less favorable payout.
- A defined benefit pension usually pays a survivor benefit fixed by the annuity form elected at retirement; a later beneficiary form does not change it.
Sources
Data sourced from OneDigital Retirement primary sources (11 pages reviewed). How we research.
Download these OneDigital Retirement instructions
Download instructions for the whole estateA printable PDF with the steps, required documents, and contact details — verified against OneDigital Retirement primary sources. Bring it to the branch or keep it beside the phone.
OneDigital (Atlanta headquarters)
Phone1-770-250-2900
Mailing Address
300 Galleria Pkwy SE, Suite 1100, Atlanta, GA 30339
Payroll Support
WebsiteLearn more→
OneDigital (Atlanta headquarters)
Phone1-770-250-2900
Mailing Address
300 Galleria Pkwy SE, Suite 1100, Atlanta, GA 30339
Payroll Support
WebsiteLearn more→
OneDigital does not operate a death-claims department. Use the headquarters line to reach the adviser on the account; the claim itself is filed with the plan's recordkeeper or the account's custodian.
Phone1-770-250-2900
Mailing Address
300 Galleria Pkwy SE, Suite 1100, Atlanta, GA 30339
WebsiteNotify online→
Verified Jul 2026
Estate planning articles
Learn how to protect your OneDigital Retirement accounts and other assets with trusts, beneficiary designations, and estate planning documents.
