My father is in a care home. My mother was referred to a person to help her qualify for A&A. My parents own a home, a car and have a nest egg of approx. $50,000 - their lifetime savings. The person to whom she was referred is now charging her $4000 to prepare an irrevocable trust into which the house is to be transferred, and another irrevocable trust into which the investments are to be transferred. Both trusts name my parents as trustors, trustees and beneficiaries. This makes no sense to me, but my mother is convinced that it is necessary. Is it necessary?