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  • Form 3993 - Change Of Beneficiary - Iras. Use This Form To Establish A New Custodial Ira Plan Or To

Get Form 3993 - Change Of Beneficiary - Iras. Use This Form To Establish A New Custodial Ira Plan Or To

DOC01033993 Ameriprise Financial Services, Inc. 70100 Ameriprise Financial Center Minneapolis, MN 55474 IRA Designation of Beneficiary for IRAs Held by Ameriprise Trust Company as Custodian See form.

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How to fill out the Form 3993 - Change Of Beneficiary - IRAs online

This guide provides a clear and supportive overview of how to accurately complete the Form 3993, which is used to designate or change beneficiaries on your Individual Retirement Accounts (IRAs). Whether you are establishing a new custodial IRA plan or modifying an existing one, this guide will assist you in filling out the necessary sections of the form.

Follow the steps to successfully complete your Form 3993.

  1. Click ‘Get Form’ button to obtain the form and open it for editing. This will ensure you have the latest version needed for your beneficiary designation.
  2. In Part 1, enter your owner name and IRA Plan Information. Indicate to which IRA(s) this beneficiary designation applies by selecting the IRA type and entering your unique Plan ID Number(s).
  3. For Part 2, designate your beneficiary. Choose from the provided options (A through F) based on your preference. For each beneficiary, ensure you include their complete address and, if applicable, any required identifying information.
  4. If you have named any minor beneficiaries in Part 2, complete Part 3 by designating a custodian as per the state’s Uniform Transfers to Minors Act.
  5. Review and consider if you wish to elect a Special Beneficiary Restriction (SBR) in Part 4. If you do, check the appropriate box, and ensure to submit the required payment along with the form.
  6. Indicate your marital status in Part 5 and include your spouse's consent if applicable. Ensure the spouse's signature and date are provided if you are in a community property state.
  7. Finally, complete Part 6 by signing and dating the form to validate your beneficiary designation.
  8. After completing the form, you can save changes, download, print, or share the form as required to complete your submission.

Submit your Form 3993 online to ensure your beneficiary designations are up-to-date.

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Typically, qualified retirement plans and IRAs are not subject to probate. Instead, retirement assets are distributed according to account owners' current beneficiary designation. ... Doing so will result in a taxable event on the entire IRA balance. Instead, name a trust as beneficiary on the IRA beneficiary form.

Such transfers are perfectly legal -- but financial institutions aren't required to allow them. "An IRA owner can always transfer funds to a new custodian," says Slott, "but an IRA beneficiary can only do a transfer if the custodial agreement allows it."

The IRS doesn't allow you to roll the money from an inherited IRA into one of your existing accounts. Instead, you'll have to transfer your portion of the assets into a new IRA set up and formally named as an inherited IRA; for example, (Name of Deceased Owner) for the benefit of (Your Name).

The IRS requires that most owners of IRAs withdraw part of their tax-deferred savings each year, starting at age 72 (age 70½ if you attained age 70½ before 2020) or after inheriting any IRA account for certain individual beneficiaries. That withdrawal is known as a required minimum distribution (RMD).

If you inherit a traditional IRA, you can cash out the account at any age -- even before you reach age 59½ -- without having to pay a 10% early-withdrawal penalty. But you will have to pay taxes on the money in the account (except for any nondeductible contributions).

Ideally, spousal beneficiaries want to use the longer single life expectancy, so that the annual RMDs are smaller, resulting in a delay in paying taxes on the inherited IRA funds for as long as possible. Remember, you can always withdraw more money than the required minimum distribution, if you need the funds.

You also have the option of distributing your inherited IRA under the 5-year rule. This allows you to take distributions however you like without penalty, so long as all assets are completely distributed from your inherited IRA by December 31 of the 5th year following the IRA owner's death.

An inherited IRA is an account that is opened when an individual inherits an IRA or employer-sponsored retirement plan after the original owner dies. The individual inheriting the Individual Retirement Account (IRA) (the beneficiary) may be anyone a spouse, relative, or unrelated party or entity (estate or trust).

As a beneficiary, you can't make additional contributions, but with an Inherited IRA the funds can remain tax-deferred, and you can generally withdraw money right away without a penalty.

Yes -- but only if you're the IRA's owner. An IRA beneficiary doesn't have that option. ... Only a surviving spouse has the option of rolling an inherited IRA into a new IRA in his or her own name.) An inherited IRA must be moved in a trustee-to-trustee transfer.

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Get Form 3993 - Change Of Beneficiary - IRAs. Use This Form To Establish A New Custodial IRA Plan Or To
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© Copyright 1997-2025
airSlate Legal Forms, Inc.
3720 Flowood Dr, Flowood, Mississippi 39232
Form Packages
Adoption
Bankruptcy
Contractors
Divorce
Home Sales
Employment
Identity Theft
Incorporation
Landlord Tenant
Living Trust
Name Change
Personal Planning
Small Business
Wills & Estates
Packages A-Z
Form Categories
Affidavits
Bankruptcy
Bill of Sale
Corporate - LLC
Divorce
Employment
Identity Theft
Internet Technology
Landlord Tenant
Living Wills
Name Change
Power of Attorney
Real Estate
Small Estates
Wills
All Forms
Forms A-Z
Form Library
Customer Service
Terms of Service
Privacy Notice
Legal Hub
Content Takedown Policy
Bug Bounty Program
About Us
Blog
Affiliates
Contact Us
Delete My Account
Site Map
Industries
Forms in Spanish
Localized Forms
State-specific Forms
Forms Kit
Legal Guides
Real Estate Handbook
All Guides
Prepared for You
Notarize
Incorporation services
Our Customers
For Consumers
For Small Business
For Attorneys
Our Sites
US Legal Forms
USLegal
FormsPass
pdfFiller
signNow
airSlate WorkFlow
DocHub
Instapage
Social Media
Call us now toll free:
+1 833 426 79 33
As seen in:
  • USA Today logo picture
  • CBC News logo picture
  • LA Times logo picture
  • The Washington Post logo picture
  • AP logo picture
  • Forbes logo picture
© Copyright 1997-2025
airSlate Legal Forms, Inc.
3720 Flowood Dr, Flowood, Mississippi 39232