These funds have done ok by me over the years. I think at this time I should get these funds where I can earn yet have the option to designate ownership. I would appreciate any advice and comments regarding the above action , the tax consequence, comments and /or suggestions.I understand your position and likewise I do not want to spend my last cent on nursing homes. However, if you do not pay, then I have too as care is not free. I do not think that is fair. If think we should all do the best we can and if we still need help then the charity of others will have to be depended on.