Beneficiary changes

Before you get started

Investors with retirement accounts or single tenant or joint accounts with a transfer on death (TOD) can designate beneficiaries to receive the account’s assets in the event of their passing. CollegeAmerica® account owners can also designate a successor owner to become the new owner and manage the account in the event of their passing. 

Consider talking to a financial professional, tax advisor or estate planner regarding the implications of your beneficiary or successor owner designation.

Things to consider

Beneficiary designations by account type

Traditional and Roth IRAs

Review the types of beneficiaries for a Capital Bank and Trust Company (CB&T) traditional or Roth IRA and how to update the beneficiary.

CollegeAmerica accounts

Review the role of the owner, beneficiary and successor owner for a CollegeAmerica account and how to update them.

Individual and joint accounts

Review what a transfer on death beneficiary is and how to add or update one on an account.

How to send forms

Return your forms online

Log in to securely submit your documents online.

Note: Forms that require a signature guarantee, original certification/signature or notary must be mailed.

Return your forms via mail

Mail your documents to the service center closest to you.

Find information on completing transactions and updates by account type

Contact us

Have questions? We're here to help.

Contact us 8:00 a.m. to 7:00 p.m. ET, Monday through Friday.

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