If I understand: He wants her to have ownership and survivorship in the funds, but no access to the account? Sorry, survivorship is an element that can be separated, but ownership and access go together.
As you and the previous respondent concluded, a POD provision (if acceptable under state law) will guarantee her rights in survivorship.
In this world you must be oh so smart or oh so pleasant. Well, for years I was smart. I recommend pleasant.