If you have your sister's share of your grandfather's annuities placed in a separate accpunt in your name where she has a bankruptcy filing in place, what you may be doing is a bankruptcy crime unless your grandfather's Will or trust states that your sister's share is to be held in trust.I suggest that you consult further with an attorney who practices in the area if bankruptcy law in addition to Wills and trusts. If what you are writing about is illegal, you could be at risk to charges against you for a bankruptcy crime where assets of a debtor are being hidden to defraud creditors.