We live in Florida. My mother is 85 and has Alzheimers. She is living in an assisted living facility. We recently setup a revocable living trust (along with Power of Attorney, Health care surrogate, Living Will). The Trust has 3 co-Trustees, my mother, my sister and myself. In the Trust document it states that any of the co-Trustees "may act with the full power of a Trustee". This was done so that I could make financial decisions for my mother without having to have her or my sister be involved in everything, but still giving them control if need be.

My question is on transferring assets to the Trust. The attorney that setup the Trust also transferred her Townhouse into the trust, but did not do that for any of here financial accounts. I am finding that the banks that I have spoken to so far are requesting all three Trustees to sign the paperwork. I'm wondering if this is correct? As I said, that whole reason for me to be a Co-Trustee was for me to be able to act as the Trustee, without the other Trustee's having to be involved.

I'm assuming that once the assets are transferred to the Trust, that I would NOT have to have all 3 co-Trustees sign for decisions - it is just to get them put into the Trust. Is this correct?

If I were to open an account at a new financial institution at some later date for the Trust, would I also need all 3 signatures or is it just for accounts that previously existed outside of the Trust?

If I transfer a CD into the Trust and want to move it into another CD at a different financial institution, will it also need all 3 signatures?

I am my mothers Power of Attorney. How does that fit into this?

As I mentioned earlier, my mother has Alzheimers. should I do something to take her off of the Trust as a Trustee? How is that done?

It sounds like the correct way to setup the Trust should have been to name me as the sole Trustee and name my sister as the next in line. Since it's a revocable Trust, my mother could take it back at any time, so I probably didn't need to list her as a co-Trustee. Is that right?

Sorry for all the questions. I'm new at this and hoping I can get things done with minimal paper work to have to bother my mother with.

Thanks for your help.