I am POA for momma's finances. Dad bought her a long term care policy that pays up to $250.00 a day. Her balance on that policy is almost $400000.00. She is 86 and lives in assisted living. She also receives dad's pension, gets ss and a mortgage payment every month. Momma has to take a required ira distribution next year in the amount of $30000.00. She has $178000.00 in savings and $30000.00 in the trust checking account. IRAs over $400000.00. I just pre paid for her funeral. My question is what do I do with her ira distribution? Just stick it in savings or is there a better decision?