Legal Question in Wills and Trusts in North Carolina

Why? Irrevocable means it cannot be changed. Further, trusts cost money. Do your assets justify a trust?

I suggest that you consult with an estate planning attorney in your area. You need to discuss with the attorney your estate planning goals and allow the attorney to review your assets and proposed distribution. It may or may not be that an irrevocable gtrust is in your best interest.