The Estate Desk

Last verified 2026-10-27; facts checked against the primary sources below

T. Rowe Price death of account holder: how to report it and transfer the accounts

Last verified: October 27, 2026

The short answer: Report the death online with T. Rowe Price's Notification of Death form or call 1-800-225-5132 (weekdays 8 a.m. to 8 p.m. ET) (T. Rowe Price). A Life Events Specialist then calls you. To move the money, a taxable account uses the Ownership Change form plus a New Account form, and an IRA uses the IRA Claim and Distribution for Beneficiaries form (T. Rowe Price inherited account page).

You can report the death before you have the death certificate. T. Rowe Price says notifying it right away helps protect the accounts (T. Rowe Price).

How to report a death to T. Rowe Price

Account the person had How to report the death Source
Mutual fund, brokerage or IRA account Online Notification of Death form, or 1-800-225-5132, weekdays 8 a.m. to 8 p.m. ET T. Rowe Price; hours
Any account, by mail T. Rowe Price, P.O. Box 17302, Baltimore, MD 21297-1302 T. Rowe Price
SEP IRA, SIMPLE IRA, 403(b), Individual 401(k), Money Purchase or Profit Sharing plan 1-800-492-7670, weekdays 8 a.m. to 8 p.m. ET T. Rowe Price; hours
Workplace retirement plan or 401(k) through an employer 1-800-922-9945, weekdays 7 a.m. to 10 p.m. ET T. Rowe Price
T. Rowe Price 529 866-521-1894, weekdays 8 a.m. to 8 p.m. ET T. Rowe Price
Maryland College Investment Plan 888-463-4723, weekdays 8 a.m. to 8 p.m. ET T. Rowe Price
Alaska 529 888-425-2752, weekdays 7 a.m. to 6 p.m. Alaska Time T. Rowe Price

The online form does not cover the 529 plans, small business retirement accounts or workplace retirement plans. Use the phone numbers above for those (T. Rowe Price).

What does the online death notification ask for?

Step What you give Source
1 The name of the person who died, plus at least one more detail, such as their address or date of birth T. Rowe Price
2 A digital copy of the death certificate, or send it later T. Rowe Price
3 Your name and contact details. You can book a call time at the end of the form T. Rowe Price

Anyone can file the notice. T. Rowe Price takes instructions on the account only from an authorized party, such as the executor or a beneficiary. If it finds an account from your details, it freezes the account and suspends account services (T. Rowe Price).

What documents does T. Rowe Price need?

It depends on your role and the account type. These steps come from T. Rowe Price's Ownership Change Due to Life Events guide for taxable accounts and its IRA Claim and Distribution for Beneficiaries form for IRAs.

Your role Forms Documents Medallion signature guarantee
Named beneficiary of a taxable account One Ownership Change form and one New Account form for each beneficiary Copy of the death certificate. For a trust beneficiary, trust pages showing the trust name, date, current trustees and signatures. An inheritance tax waiver if state law requires one Yes, from the beneficiary on the Ownership Change form
Surviving joint owner Ownership Change form, plus a New Account form unless the assets go to an existing account in the survivors' names Copy of the death certificate. An inheritance tax waiver if state law requires one Only if adding new owners, or for community property or tenants in common accounts
Executor, when the account had one owner and no beneficiary Ownership Change form to move assets into an estate account, signed by all executors, plus a New Account form with the estate's tax ID number Letters testamentary or other court appointment, or the applicable small estate affidavit. An inheritance tax waiver if state law requires one Not listed for opening the estate account. Yes, from all executors, when the estate later moves assets to its heirs
IRA beneficiary IRA Claim and Distribution for Beneficiaries form, one per beneficiary and one per IRA type. For a brokerage IRA, also a Brokerage IRA New Account form Copy of the IRA owner's death certificate. An estate, trust or other entity beneficiary adds the appointment of the executor, trustee or authorized signer Yes, for a non-spouse beneficiary claiming the IRA

When the estate later distributes to heirs, each heir completes a New Account form (T. Rowe Price). For a California estate, the small estate route is in the California small estate affidavit guide.

T. Rowe Price's documents disagree on two points

Point What T. Rowe Price says Source
Death certificate The inherited account page asks for an original or certified copy and says photocopies are not acceptable. The Life Events guide and IRA form say "a copy" Inherited account page; Life Events guide
Letters testamentary The inherited account page says certified by the court within 60 days. The Life Events guide says within 6 months, and the IRA form says appointment documents within six months Inherited account page; Life Events guide; IRA form

Ask the Life Events Specialist which rule applies to your case before you order certified copies or mail a packet.

Where do you get a Medallion signature guarantee?

From a bank, savings institution, broker-dealer or other guarantor in a Medallion program. Tell the guarantor the dollar amount of the transfer, because the stamp's coverage must cover it or T. Rowe Price may reject it. T. Rowe Price does not accept a notary stamp (T. Rowe Price).

What are the options for an inherited T. Rowe Price IRA?

The IRA assets move to a separate account in the beneficiary's name, and taxes are reported under the beneficiary's tax ID number (IRA form).

Beneficiary Choices on the T. Rowe Price form Source
Spouse Treat the IRA as your own, or move it to an Inherited IRA. With no election, it goes to an Inherited IRA. Treating it as your own cannot be undone IRA form
Minor child, disabled or chronically ill person, or someone not more than 10 years younger than the owner Inherited IRA, with payments over life expectancy or the 10-year rule. A minor child of the owner must empty the account by the year they turn 31
Any other individual, when the owner died after 2019 Inherited IRA. The account must be emptied by the end of the 10th year after the death IRA form
Estate, trust or charity Inherited IRA, with the entity's appointment documents IRA form

If the owner died on or after their required beginning date and had not taken that year's required minimum distribution, the beneficiaries must take it by the end of the year. T. Rowe Price will calculate it on request (IRA form). The form says it is not tax advice. For how the 10-year rule works year by year, see inherited IRA RMD rules in 2026, and take the timing decision to a tax professional.

Where do you send T. Rowe Price forms?

Both the Ownership Change form and the IRA claim form use these addresses (Ownership Change form; IRA form):

Method Address
Standard mail T. Rowe Price, P.O. Box 17302, Baltimore, MD 21297-1302
Express delivery only T. Rowe Price, Mail Code 17302, 4515 Painters Mill Road, Owings Mills, MD 21117-4903

Small business retirement plan mail goes to T. Rowe Price Retirement Client Services, P.O. Box 17350, Baltimore, MD 21297-1350 (T. Rowe Price).

T. Rowe Price can fill in the Ownership Change form with you over the phone and send it securely through online access (Life Events guide). Once the transfer is done, its Financial Consultants at 1-800-638-5660 (weekdays 8 a.m. to 8 p.m. ET) can talk through the new account (T. Rowe Price).

What about cost basis?

The Ownership Change form asks for the date of death and a fair market value basis percent. For individually owned assets, beneficiaries get fair market value basis for their share unless the personal representative gives a different percent (Ownership Change form). T. Rowe Price tells you to consult a tax professional on basis (Life Events guide).

For other brokerage accounts, see the Fidelity, Vanguard and Charles Schwab guides.

The Estate Desk handles this for California families. theestatedesk.com

Primary sources