Cara wants to make sure that her stock portfolio will not have to go through probate when she dies. She wants these stocks to go to her daughter, Jolene, but does not want Jolene to have any control of the stocks until Cara dies. Cara wants to continue having exclusive right to the income from the stocks until she dies. Cara does not want to pay any gift tax. Which one of the following is the most appropriate form of will substitute for Cara to use?

A)Place the stocks in joint tenancy with right of survivorship with Jolene

B)Place the stocks in an inter vivos irrevocable trust

C)Give Jolene a general power of appointment over the portfolio

D)Name Jolene as the transfer on death beneficiary of the portfolio