1. I'm depending on a law firm, who has setup hundreds of non-revocable living trusts, wills, etc and has represented them personally in criminal and probabte courts. Not to mention, if I need help with it later on I have a person I can call and ask a question. 2. I'm sure you could assume that Quicken's doc have been thoroughly vetted. I prefer to not assume and would rather have a person that I can deal with. 3. You might be right, I have no information other than my own personal preference to suggest one option is better than the other, nor have I suggested such. What I provided was an accurate description of my own personal opinion and experience with the matter, which while it may differs from yours is no less correct than yours. 4. To protect the people that might assume ownership of the trust and these items should I die, there is nothing regarding a trust that is a no-brainer. Should something happen to me I'd prefer to leave my wife a better option than calling the 800 number for Quicken customer service.