Not sure what to do. My wife's ex-mother in law (MIL) is in advanced stages of COPD and probably only has a short time before passing. She would like for my wife to receive everything, instead of her adult children. My wife was very close. She has some real estate with and without mortgages. Also they have a joint bank account. Does MIL need a will, living trust, pay on death, what? Just not sure what to do, obviously.