you really need to seek the guidance of a lawyer as you could seriously cause problems for mom down the road. there is too little information here to respond. but be careful, if you start liquidating mom's money now and she has to apply for medicaid within 5 years, and that money is not there, she may be ineligible for medicaid. remember, this is mom's money, and not anyone elses, and she needs it to pay for better care in her later years.
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