@BobKamman Thanks for the detailed explanation. I do not practice in a community property state and don't have many clients who live in one.

From where I sit, the joint trusts are a pain in the butt when the first person dies. I'd rather they split everything 50/50 while alive to put into 2 trusts.

Anyway, back to the OP, we don't have all the facts yet, and OP may not have them either.