H33 Custody › Asset Custody › Beneficiary Management
Asset Custody · Solution
One beneficiary list. Across everything.
Most people have a dozen beneficiary designations scattered across employers, brokerages, insurance carriers, and digital platforms — and most of those are out of date. H33 Beneficiary Management gives you a single, verifiable record of who inherits what.
Why beneficiary designations get out of date
Beneficiaries change. People get married, divorced, or have children. People die before their parents. People fall out of touch. But beneficiary designations on retirement accounts, insurance policies, and digital platforms are managed individually — each requires its own update, in its own interface, with its own paperwork. The inevitable result is that the operative designation on the day someone passes is rarely the one they would have chosen.
Beneficiary management as a custody function
H33 Beneficiary Management treats beneficiary designation as a first-class custody operation. Each beneficiary is added with verifiable consent. Each change produces a verifiable change record. Each event (marriage, divorce, death, birth) can trigger automated review prompts so designations stay current with life.
Coordination across holdings
Designate a beneficiary on one holding and surface recommendations to align other holdings to the same plan. Spot inconsistencies before they become probate disputes. Build coordinated splits across multiple asset classes without rebuilding the plan on each platform.
Verifiable for executors and trustees
When the time comes, your executor sees a clean record: every beneficiary, every designation, every change, every consent. No mystery beneficiaries. No competing letters. No litigation over which version of the plan was current.
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What you manage
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Primary beneficiaries
First-line designations across all holdings, with verifiable consent and change history.
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Contingent beneficiaries
Backup designations triggered when the primary is unable or unwilling to inherit.
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Conditional designations
Designations triggered by age, condition, or event — coming of age, completion of education, marriage.
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Trust pour-overs
Direct beneficiary designations that pour over into a designated trust at the relevant event.
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Multi-party splits
Coordinated splits across multiple beneficiaries, with rebalancing rules that survive a beneficiary's own death.
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Authority-only beneficiaries
Designate parties who inherit operational authority but not asset ownership — executors, trustees, and agents.