My son is refinancing his home and I have a lot of funds in it for his down payment so I'm on the mortgage. Despite several emails and discussions with his last lawyer (we were very clear that we wanted protection), and a trust agreement drawn up, I was stunned when my son's new mortgage broker suggested that my son might still need to do a will. We had not been advised by the last lawyer at all. I mentioned the above to Sonya Emery. Not only did she return emails and calls very promptly, but she gave me a very thorough answer. Sonya gave us Jennifer Stebbing's contact info so Dave could do a will and power of attorney right away. Sonya, I can't tell you how much I appreciate you! Thanks so much.