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If my parents put monies into a CD or IRA account (20years ago) in my name, cane my widowed Mother or my brother (who is executor)redeem them without me knowning, or being present? And, or do they have the right to use the money in any other way than to transfer it to me?

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Q: If your parents put monies into a CD or Ira account in your name can your widowed Mother or your brother who is executor redeem them without you knowning?
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