My mother is 89 and her health is failing. I have 4 siblings. She has annuities through my brother in law. Me and 3 of my siblings (not including my sister, the wife of the adviser) have become aware that he is making decisions on money matters without consulting with us. We want to move the money to Fidelity or Vanguard. The annuities have been with him for more than 10 years so there should be no surrender fees. However I am concerned about creating a situation for my mother and my sister who is married to the adviser. My brother in law has quite a temper. My thought is to hire an independent financial expert to review what's been going on. If the review shows that things aren't right, then a meeting would be scheduled with the expert, the adviser and all siblings but not my mother. I feel that if we are all there looking him in the eye he'll have to tell us the truth. In the past we had a couple conference calls but they weren't very worthwhile. Looking for some guidance in a sticky situation. Appreciate any and all thoughts. Thank you.