You should seek a lawyer's review of this matter. If you are her power of attorney, then you have legal authority. If you are not her power of attorney and she is legally incompetent to care for herself, then you can continue to move those CDs as long as you are named on her accounts to do so. The issue will be if she obtains care that then seeks payment for services (think of Medicaid and social security payments being taken to pay for those services).  You may wish to see if creating a spendthrfit trust or special needs trust would be helpful.