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I am age 65, married, and recently retired; my wife is still working. We have six children all of whom are grown and independent. Our assets are our home $400k which is in joint tenancy, IRAs (mine $400k and hers $300k)and all are set up with the desired beneficaries). We have a will for the remaining personal assets and such. Do you think we need a living trust? Under what circumstances would a LT become necessary? Thanks