How to designate beneficiaries at USICG
Covers 9 retirement accounts — beneficiaries can be managed online
USI Consulting Group - Corporate Headquarters (plan sponsor and general inquiries; not a participant account line)
Phone860-633-5283
Mailing Address
95 Glastonbury Blvd, Suite 102, Glastonbury, CT 06033-4417
WebsiteLearn more→
USI Consulting Group - Corporate Headquarters (plan sponsor and general inquiries; not a participant account line)
Phone860-633-5283
Mailing Address
95 Glastonbury Blvd, Suite 102, Glastonbury, CT 06033-4417
WebsiteLearn more→
USI Consulting Group - Direct Solutions Participant Service Center (for USICG-administered plans; where USICG is only the plan advisor, the third-party recordkeeper handles the death claim)
Phone866-305-8846
Mailing Address
95 Glastonbury Blvd, Suite 102, Glastonbury, CT 06033-6503
WebsiteNotify online→
Verified Jul 2026
Estate planning for USICG 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.
USICG offers 9 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.
401(k) Plan Consulting403(b) Plan Consulting457 Plan ConsultingDefined Benefit Pension Plan ConsultingCash Balance Plan ConsultingEmployee Stock Ownership Plan (ESOP) ConsultingNonqualified Deferred Compensation Plan ConsultingAnnuity Placement ConsultingDirect Solutions Bundled Retirement Services
1
Log in to the Direct Solutions participant portal at https://usi.retirement.schwabrt.com/participant/
2
Navigate to the beneficiary designation section
3
Enter primary and contingent beneficiary details including name, date of birth, SSN, and percentage allocation
4
Complete spousal consent if applicable
5
Submit and save your designation
Required Documents
- Trust name, date established, and tax ID (EIN or SSN)
Special Requirements
- Paper forms are plan-gated: you need your three-digit Plan ID number and the first three alpha characters of your plan name, both printed on your account statement, to open https://forms.usicg.com/distr_forms.asp
- Spousal consent is required for a married participant naming a non-spouse primary beneficiary; the plan document sets whether a notary or a plan representative must witness it
- A trust may be named as beneficiary; supply the trust name, the date it was established, the trustee name(s), and the trust EIN
- Employer retirement plans cannot be retitled into a trust — a trust can only be named as beneficiary, and that designation overrides a contrary provision in a will
- Percentage allocations for primary and for contingent beneficiaries must each total 100 percent
- For plans where USICG is the advisor rather than the recordkeeper, the recordkeeper's form and process govern — USICG cannot accept a beneficiary designation submitted to it directly
Sources
Data sourced from USICG primary sources (15 pages reviewed). How we research.
Download these USICG instructions
Download instructions for the whole estateA printable PDF with the steps, required documents, and contact details — verified against USICG primary sources. Bring it to the branch or keep it beside the phone.
USI Consulting Group - Corporate Headquarters (plan sponsor and general inquiries; not a participant account line)
Phone860-633-5283
Mailing Address
95 Glastonbury Blvd, Suite 102, Glastonbury, CT 06033-4417
WebsiteLearn more→
USI Consulting Group - Corporate Headquarters (plan sponsor and general inquiries; not a participant account line)
Phone860-633-5283
Mailing Address
95 Glastonbury Blvd, Suite 102, Glastonbury, CT 06033-4417
WebsiteLearn more→
USI Consulting Group - Direct Solutions Participant Service Center (for USICG-administered plans; where USICG is only the plan advisor, the third-party recordkeeper handles the death claim)
Phone866-305-8846
Mailing Address
95 Glastonbury Blvd, Suite 102, Glastonbury, CT 06033-6503
WebsiteNotify online→
Verified Jul 2026
Estate planning articles
Learn how to protect your USICG accounts and other assets with trusts, beneficiary designations, and estate planning documents.
