When you open a Registered Account or TFSA at Qtrade, the application will request you specify a beneficiary or successor annuitant for the account; or, you can specify your estate as the beneficiary. Your client statement will show your choice of beneficiary. If you wish to change your beneficiary, you can complete the Beneficiary Change Form or the Contingent Beneficiary Change Form. Note: Cash or Margin accounts can't have a beneficiary.