How do I manage the estate?

If the account is joint with right of survivorship, then the account passes directly to the surviving joint owner, rather than to the estate. So the account would not have to be split in the same manner as the rest of the estate. In some situations though, the decedent might set up the account for convenience only and might intend that the account be split in the same manner as the estate. So the surviving joint owner would have to decide whether to keep the account entirely (which would be permissible based on the way the account was titled), or split it in the same manner as the rest of the estate (which might have been the decedent's intent).