I can understand your fear for your mother’s Retirement Fund, kPat.
Sadly. if she dips into it, it won’t last a year as you predicted. It will be gone much sooner than that!
It sounds to me that you should set up a Family Intervention. Neither your father nor your mother can save themselves. Can you approach the Financial Agency and put a stay on those funds? Get legal advice before it’s too late kPat!
Pray as it everything depends on God and act as if everything depends on you.
Otherwise it will all end in tears!