You stated in your original post:
"HOW CAN I PROTECT HER MONEY - WHICH IS IN MY NAME - SOME ACCTS LESS THAN 5 YEARS".
I read that as an explicit admission that the money you reference was and is the property of your mother. That means that by whatever means it came to be titled in your name, you are merely holding those assets in trust for your mother. The moneys are still your mother's assets. Further, the mere fact that you consider the power of attorney as having any authority in this matter is additional evidence that you know and consider the money to be your mother's property. If the money was yours, the power of attorney would have been a completely irrelevant consideration.
When assets are held in trust for another, the trust does not expire and the assets become the property of the holding party after a period of a few years.
A financial power of attorney is a position of fiduciary responsibility, as is the position of holding assets in trust for another.
"The fiduciary duty is a legal relationship between two or more parties (most commonly a "fiduciary" or "trustee" and a "principal" or "beneficiary") that in English common law [our underlying legal system] is arguably the most important concept within the portion of the legal system known as equity. . . . A fiduciary duty is the highest standard of care at either equity or law. A fiduciary is expected to be extremely loyal to the person to whom they owe the duty (the "principal"): they must not put their personal interests before the duty, and must not profit from their position as a fiduciary unless the principal consents. The fiduciary relationship is highlighted by good faith, loyalty and trust, and the word itself originally comes from the Latin fides, meaning faith, and fiducia."
As agent under a Power of Attorney you have an absolute legal obligation to handle mother's assets solely for mother's benefit, acting only in her best interests. Holding mother's assets in your name, and then choosing to treat those assets as if they were your property, and deciding to retain those assets for yourself and/or your sons after mother's death in contravention of mother's explicit wishes as stated in her Will, is not acting in mother's best interest.
No, there is no law that says that if you hold your mother's assets in accounts in your name long enough that the assets become yours. And there is no law that says that simply because you HAVE FINANCIAL POWER TO INVEST the money has become yours. The money remains your mother's, but is merely titled in your name for whatever reason that was done, which means that you are holding those assets in your name in trust on behalf of your mother. As was noted above, when assets are held in trust for another, the trust does not expire and the assets become the property of the holding party after a period of a few years.
This kind of situation arises quite frequently, where a child of the parents has in some manner and for some reason ended up in possession of the parent's assets, now held in accounts titled in the child's name, often with the initial intent of trying to keep those assets from having to be spent on nursing home costs down the road so that the parent will qualify for Medicaid sooner. Or sometimes the accounts were titled in parent's and child's name jointly, for the purpose that it made it easier for the child to write checks and pay bills, and it would mean that the child could access the money after the parent's death to make it easier to distribute without having to go through a probate procedure. But frequently, over time, the child comes to think of those assets as being "theirs", and they come to believe that the Power of Attorney gave them the right to take 'ownership' of those assets.
Then when the parent dies the child insists that the assets do not have to be distributed according to the parent's instructions (the Will). That leaves the other children in a position of having to decide whether to file a complaint with the police alleging theft and conversion of the parent's assets, and/or to work on recovering those assets through a probate proceeding. The judges will have seen this circumstance play out many times before.
So again, the assets do not become your property merely because they have been titled in your name for a set period of time. And they do not become your property merely because you were given certain powers and authority over mother's assets under a financial power of attorney.
You will do what you chose to do, right or wrong. But I cannot give you permission or provide you a legal excuse for what you are seeking to do. From what you have described, you are holding assets of your mother's in your name, an implicit trust situation, and you have a fiduciary duty to your mother both because you are holding assets of hers in trust and because you are her agent under a Power of Attorney. That does not give you permission to distribute her assets after death to yourself and/or to your sons merely because you are unhappy with your brothers.
Based on your last reply, I do not anticipate that you will ACCEPT this answer, as it is not what you want to hear. But the law, our legal responsibilities, and our moral duties do not only apply only in ways that are convenient or comfortable for us.
The information provided is general in nature only and should not be construed as legal advice or to create an attorney-client relationship. You should always consult with a lawyer in your state.