Whew -- this was an old practice that I have talked about on TV and Radio and in my books for years. I have tried to warn women about this practice. In order to "protect" the surviving spouse (the wife), many attorneys created these trusts that did not allow the survivor to change either the beneficiaries, the investment advisors, the named trustees, or the terms of the trust. That was so the widow wouldn't get taken advantage of by scam artists, or the next spouse! The provision is nick-named "the hand from the grave!" And no wonder!! You need a DIFFERENT law firm to look at the terms of this trust to see if you can break it, or somehow withdraw enough money to make the trust irrelevant. Go to http://www.search-attorneys.com/ -- a website that specializes in estate planning law firms -- to find one in your area. Take a copy of the documents to y our meeting. It should be at no cost to you. Then ask them if they can "break" the trust, and what they estimate their fees would be. You might want to talk to one or two attorneys before making a decision to proceed. The lesson from this question: If your estate documents have not been updated in years, take a new look. Make sure a surviving spouse has the power to remove trustees and change beneficiaries of any trust created on "her behalf."