Chad and Joan have co-habitated for the past 25 years. Chads family is quite wealthy and they do not approve of Chads relationship with Joan. Chad is facing a life-threatening illness and is concerned about Joans future. Chad plans to leave the substantial wealth he has inherited over the years to Joan. After a few too many glasses of wine last Christmas, Chads mother proclaimed, Chad, I hope you have a great estate planning attorney, because I will spend every penny I have to keep Joan from inheriting a dime from you! In a fit of rage, Chad has come to you, an estate planning attorney, and asks you to recommend ways he can protect Joan and ensure she will receive his assets. Which of the following would you be least likely to recommend to Chad to meet his objectives?

A. A revocable living trust created and funded now with Joan as the beneficiary at Chads death.

B. An irrevocable trust created and funded with Chad as the income beneficiary and Joan as the remainder beneficiary.

C. Retitling all assets as JTWROS.

D. A will for Chad leaving all assets to Joan.