Additional thoughts.

Schwab account 9077-2963, denominated as "Margaret Meyer Trust"
was opened under her Social Security number 205-22-5990 and is
owned by her, even though Mommy, you and I are Co-Trustees.

Keogh Plan funds belonging to me that are NOT disclaimed by Mommy
may be deppsoted - and invested - in this account 9077-2963.
Such transfers may be made:
a) by written instructions from you and/or Mommy to Schwab
directing them to transfer funds from the Keogh Plan Account 6262-1019
to Margaret Meyer Trust Account 9077-2963
b) a check on Cambridge Savings Bank's Keogh Plan Account 535829320
signed by Mommy or yourself, and mailed to Charles Schwab to be
credited to Margaret Meyer Trust Account 9077-2963, or even more
securely
c) a check on Cambridge Savings Bank's Keogh Plan Account 535829320
signed by Mommy or yourself, and taken to the Cambridge Trust Company
branch on Trapelo Road,  to be deposited in Cambridge Trust Co 
Acct 46-505-401, whence the funds may be tranferred electronically
to Charles Schwab to Margaret Meyer Trust Account 9077-2963. 

Keep in mind that financial transfers of $10,000.- or more are
reported by the banks to the government.