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I agree with retitling the non-IRA funds i/n/o the trust, if it is a RLT and you are the initial trustee. It will bypass the probate process if you pass, and also give the successor trustee speedier access to the funds. You can use your sssn if you are the grantor/bene/trustee so you are really just retitling. You may have to provide the first/last pages of the trust to the mutual fund company.

Regarding the IRA mutual funds, naming the trust as contingent (not "second") beneficiary would be your backup estate planning. Remember, if something happens to your primary (not "first") beneficiary, to name a replacement if you can.

Sock
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