I'm not an expert, but if your total assets are above a million or two, you really need a trust. One main benefit of a trust is that in the event of the death of one trustee, all the assets are still available to the other(s) without probate or delay to process the will.
Ours was set up by a trust lawyer several years ago. He set up the trust, wills, living wills, and powers of attorney for us.
