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Do husband and wife need separate trusts? In general, most experts agree that Separate Trusts can provide more asset protection. Joint Trust: Marital assets are all together in a single trust. This means there’s less asset protection, because if there’s ever a judgment over one of the spouses, all of the assets could end up being at risk. I am lookIng for brilliant probate attorney by 92881. I need brilliant lawyer probate near 92877. I am lookIng for awesome lawyers probate around 92883. I need awesome estate attorneys nearby 92879. I need brilliant attorneys estate near 92878. I am lookIng for excellent attorney probate near 92879. I need amazing estate attorneys around 92880. Should bank accounts be included in a living trust? Trusts and Bank Accounts You might have a checking account, savings account and a certificate of deposit. You can put any or all of these into a living trust. However, this isn’t necessary to avoid probate. Instead, you can name a payable-on-death beneficiary for bank accounts.