As I understand it, the assets to be distributed are:
$330k House
$380k Cash & Mutual Funds
$1m IRA
You stated the IRA had a specified beneficiary split. What is it exactly?
The cash and mutual funds don't have beneficiary designations?
And lastly, who is currently paying for the house utilities and/or ordinary repairs?
IRA is 50/50
The cash and MF are in the trust.
The “ trust “ is paying the utilities.