How to name beneficiaries and fund a trust at RBC Wealth Management
Covers 8 investment, 3 deposit, and 5 retirement accounts — beneficiaries must be updated in-branch
General Inquiries
Phone1-800-759-4029
Mailing Address
RBC Wealth Management, Attn: Client Support Services, 250 Nicollet Mall, Suite 1800, Minneapolis, MN 55401-1931
Client Support Services (online account access)
Branch Relations (records for closed/purged accounts)
WebsiteLearn more→
Professional trustee services - trust consultants who refer clients to independent corporate trust partners. RBC does not name the partners publicly and cannot itself serve as trustee.
Phone1-800-759-4029
WebsiteLearn more→
The decedent's branch financial advisor is the claims path. General Inquiries routes an executor with no advisor relationship; Branch Relations (833-547-2296) handles accounts closed and purged before the death.
Phone800-759-4029
Toll-Free1-800-759-4029
Mailing Address
RBC Wealth Management, Attn: Client Support Services, 250 Nicollet Mall, Suite 1800, Minneapolis, MN 55401-1931
Branch Relations (records for closed/purged accounts)
WebsiteNotify online→
Verified Jul 2026
There are two ways to keep your RBC Wealth Management investment accounts out of probate: adding beneficiary designations and retitling eligible accounts into a revocable living trust. Which approach works best depends on the account type and your overall estate plan.
RBC Wealth Management has 16 product types, and the estate transfer rules differ across them. Some support Transfer on Death (TOD) designations, some can be retitled into a trust, and others will require probate if nothing is set up. Each is covered below.
RBC Cash Management AccountRBC Insured DepositsRBC Premium Savings
1
Visit your RBC Wealth Management financial advisor at their local office
2
Bring government-issued photo ID
3
Advisor provides the appropriate beneficiary designation form based on account type
4
Complete the form with required beneficiary details:
- Provide each beneficiary's full legal name, date of birth, SSN, relationship, address, and percentage allocation
- Designate primary and contingent beneficiaries with allocations totaling 100%
5
If married and naming non-spouse as primary: discuss spousal consent with advisor and legal counsel
6
Sign and date the form; advisor submits for processing
Required Documents
- Trust name, date established, and tax ID (EIN or SSN)
Special Requirements
- Advisor-centric model: RBC's own Client Support FAQ routes every beneficiary change through the assigned financial advisor. There is no self-service beneficiary screen in RBC Wealth Management Online.
- RBC publishes no downloadable US beneficiary or TOD form. Anyone offering you an "RBC beneficiary form" found online is likely showing you a CANADIAN RBC or RBC Royal Trust document, which the U.S. broker-dealer does not use.
- A TOD registration governs the transfer of that account at death and overrides what the will says about it; the will only reaches assets with no beneficiary and no surviving joint owner
- Name contingent beneficiaries. Without one, an account whose primary beneficiary predeceases you falls back into the probate estate.
- IRAs cannot be retitled to a trust - the trust can only be named as beneficiary. RBC issues a separate IRA beneficiary designation for that.
Sources
Data sourced from RBC Wealth Management primary sources (17 pages reviewed). How we research.
Download these RBC Wealth Management instructions
Download instructions for the whole estateA printable PDF with the steps, required documents, and contact details — verified against RBC Wealth Management primary sources. Bring it to the branch or keep it beside the phone.
General Inquiries
Phone1-800-759-4029
Mailing Address
RBC Wealth Management, Attn: Client Support Services, 250 Nicollet Mall, Suite 1800, Minneapolis, MN 55401-1931
Client Support Services (online account access)
Branch Relations (records for closed/purged accounts)
WebsiteLearn more→
Professional trustee services - trust consultants who refer clients to independent corporate trust partners. RBC does not name the partners publicly and cannot itself serve as trustee.
Phone1-800-759-4029
WebsiteLearn more→
The decedent's branch financial advisor is the claims path. General Inquiries routes an executor with no advisor relationship; Branch Relations (833-547-2296) handles accounts closed and purged before the death.
Phone800-759-4029
Toll-Free1-800-759-4029
Mailing Address
RBC Wealth Management, Attn: Client Support Services, 250 Nicollet Mall, Suite 1800, Minneapolis, MN 55401-1931
Branch Relations (records for closed/purged accounts)
WebsiteNotify online→
Verified Jul 2026
Estate planning articles
Learn how to protect your RBC Wealth Management accounts and other assets with trusts, beneficiary designations, and estate planning documents.
