I know this question has been beat to death here, but my family needs some honest answers fast. Mom (Vet spouse) has funds over the 60,000 limit. About 2 yrs ago POA and I moved 80,000 to an account under 2 siblings names. Mom's name is not on the account. Why would the VA care about this? Why is our "VA Helper" suggesting we move about 50,000 to a fiduciary account that is with an insurance company? Is this for his benefit too? Will the VA trace these funds? Is there IRS issues with this?