My mother is 82 & were trying to protect her assets in case she has to go into a nursing home. Approximately half of her assets ($200,000) are in a traditional IRA. I was told by an estate planner via an elders attorney that their was no way to protect that money & that the best option would be for her to cash it out, suffer the tax bite & then put that money into a irrevocable trust & hope it’s 5 yrs before she has to go into a home. Since she’s in a low tax bracket does this make sense or is there a better solution? For what it’s worth she lives in Maryland.