Another chapter for my forthcoming book, "How To Avoid Living Trusts."

Let me guess -- trust was set up to split everything into two trusts, back when the estate tax exclusion was only $1 million and first spouse's share was not "portable."  Usually, the trust document says that the "Remainder Trust" can't be revoked or amended, while the "Survivor's Trust" can be.  Have you read the trust document?  Does it instruct the trustee to create two new trusts?  Maybe the broker knows more than you or the client, because they have actually read it and see the problem.