How to name beneficiaries and fund a trust at Ubiquity
Covers 7 retirement accounts — beneficiaries can be managed online
Customer Success Team
Customer Success Team
Customer Success Team (no dedicated claims department; Single(k) claims route to singlek@myubiquity.com or to the plan's outside custodian)
Beneficiary designations on Ubiquity retirement retirement accounts carry more weight than most people realize. They override a will, control who receives the balance, and determine the tax treatment of inherited distributions. Reviewing these designations after any major life change is essential.
Ubiquity 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.
- Log in at https://secure.myubiquity.com/login
- In the left navigation, select 401(k), then Beneficiaries
- Add, edit, or remove beneficiaries; enter a TIN instead of an SSN for non-U.S.-citizen beneficiaries
- For a trust, select "Estate" as the beneficiary type and enter the trust information
Required Documents
- Trust name, date established, and tax ID (EIN or SSN)
Special Requirements
- Ubiquity does not retain beneficiary forms for Single(k) solo 401(k) plans — if the assets are at an outside custodian, the custodian holds the designation and you must keep your own copy
- The participant portal has no separate "trust" beneficiary type; Ubiquity instructs participants naming a trust to select "Estate" and enter the trust information
- Ubiquity frames written spousal consent as a community/marital-property-state issue (California, Texas, Washington, Wisconsin cited) and refers participants to a tax or legal advisor; the plan document sets the actual consent and witnessing standard
- A trust named as beneficiary must name specific individual beneficiaries, and a copy of the trust document must be filed with the plan administrator
- Non-U.S.-citizen beneficiaries are entered with a TIN in place of an SSN
- Percentage allocations for primary and contingent beneficiaries must each total 100%
Sources
Data sourced from Ubiquity primary sources (14 pages reviewed). How we research.
Download these Ubiquity instructions
Download instructions for the whole estateA printable PDF with the steps, required documents, and contact details — verified against Ubiquity primary sources. Bring it to the branch or keep it beside the phone.
Customer Success Team
Customer Success Team
Customer Success Team (no dedicated claims department; Single(k) claims route to singlek@myubiquity.com or to the plan's outside custodian)
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