From what you say, the couple are quite elderly, and your Aunty has that horrible condition where she has no control. He is elderly and the condition of your Aunty is likely to have some effect on him, which will become more evident as time moves on. For the sake of looking after your uncle, and if the amounts in tiotal are not tremendous, you might be better off leaving the money where it is. The last thing you should want is for your uncle to think that you are trying to take full control - an important part of the elderly is to let them have some responsibility. As people get older, whether sick or otherwise, money has little or no part to play. Don't upset them by upsetting their money. Try and negotiate better rates where the money is presently - I bet you will see his attitude perk up immensely. Also and you are probably in Galway, like myself, you know what loose tongues can depict onto a person if they are given a chance to rhythm.