Estate planning options at Stash

The Stash Invest portfolio takes a transfer on death (TOD) beneficiary, named on its own form. A TOD designation is not available to residents in all jurisdictions.¹

The Stash Retire portfolio (IRA) takes a beneficiary named on its own IRA Beneficiary Designation Form.²

The Stash Banking account takes a payable on death (POD) beneficiary, named on its own form. A POD designation is not available to residents in all jurisdictions.³

A trust can be named as beneficiary on the TOD form, giving the name of the trust, the names of all trustees and the date it was established.¹

A trust can be named as beneficiary on the POD form, giving the name of the trust, the names of all trustees and the date it was established.³

Each beneficiary is given a share percentage, and the shares must total 100%. Fractional percentages and dollar amounts are not accepted.^{1, 2, 3}

A spouse's signature is required if the spouse or the account holder lives in a community property or marital property state and the spouse is not an account holder or the sole primary beneficiary.¹

The Invest form does not need to be notarized.⁴

A spouse's signature is required if the spouse or the account holder lives in a community property or marital property state and the spouse is not an account holder or the sole primary beneficiary.³

For investment accounts. Available to download.^{1, 4}

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For IRAs. Available to download.^{2, 4}

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For payable-on-death accounts. Available to download.^{3, 4}

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A transfer on death designation takes effect only when received and accepted by Apex Clearing Corporation.¹

A payable on death designation takes effect only when received and accepted by Stride Bank, N.A.³

The designation may not be revoked or changed by will, codicil, trust document or other testamentary document.^{1, 2, 3}

A change takes a new form. The IRA form states that all previous designations are deleted and replaced.^{1, 2, 3}

Stash accounts are individual accounts. The Advisory Agreement lists individual taxable brokerage accounts, IRAs and UGMA/UTMA accounts.⁵

The Stash banking account "may only be owned and titled in the name of one person."⁶