Duke, you know I'm new, but here goes:

Don't confront her about her account.

Do let her know that you have set up your own, and you are notifying her as you'd previously promised.

Do let her know you took some funds out of the joint account to put in your new.

Be businesslike and professional about money. I would just send a straightforward e-mail. "As per our agreement, I am notifying you..."

She doesn't care or appreciate the risk you took leaving her with access to the accounts, so don't bring it up. Again, she doesn't care.

Protect yourself! Talk to your L about the investments, etc.

Others may have more info - but that's where I would start.

Me: 48 H: 50 - Married 21 - 3-S: 29,19,19 2-D: 27,26
BD: 08/2015 - D filed & OW disc: 09/2015

"Surrender to What Is, Let Go of What Was, Have Faith in What Will Be." -S Ricotti