Estate planning at UBS

The RMA is UBS's primary full-service brokerage account. It combines investment capabilities with cash management features including check writing, debit card access, bill pay, wire transfers, and Zelle. The RMA supports TOD beneficiary designations and can be retitled to a trust. Cash balances are swept into FDIC-insured deposit accounts at UBS Bank USA or other participating banks.

UBS acquired Credit Suisse in 2023. Former Credit Suisse US wealth management clients were transitioned to UBS. Contact UBS Client Relations at 800-354-9103 for questions about transferred accounts, beneficiary designations, or estate planning services.

Yes. UBS allows a trust to be named as the beneficiary of an IRA using the Designation of Beneficiary form. You must provide the trust name, trust date, trustee name, and the trust EIN. Naming a trust as IRA beneficiary has specific tax implications under the SECURE Act, so consult a tax advisor before making this designation.

Yes. UBS has a dedicated Account Application and Agreement for Trust and Estate Accounts (PDF available at https://onlineservices.ubs.com/staticfiles/pws/adobe/account-application-and-agreement-for-trust-and-estate-accounts.pdf). To open a trust account, provide the completed application along with the trust document or Trustee Certification, government-issued ID for all trustees, and the trust EIN. Your Financial Advisor coordinates the process.