Wife and I just bought a home in CA, we are renting it to pay the loan faster. I would like to get a will and trust to protect us, is it nessesarey to have one between spouses? Will either of us need to deal with probate if one of us dies? Also, we would like to leave everything to my niece if something happens to the both of us. Can we add her as a beneficiary? Thank you for all the info, much appreciated.