I was contacted by a co-trustee who can not find the document of her husband's plan. American funds will not allow her to gain access to the funds because they do not have her listed as a trustee. They want to see the doc. She is not a client (not yet)... What are her options?

Plan was established in 1998 and he was the only participant.... FYI

If spouse is the executor of his estate, she has the authority, as the decedents personal representative, to exercise all rights that the decedent could exercise, e.g., order a distribution from the plan. Obviously the plan cannot be allowed to remain powerless to act because of the death of the sole trustee. Check with the owner's tax advisor for the plan document.