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86 year old needs money help

My in-laws have some money in an ISA and an OEIC. They are house owners but are not in the inheritance tax bracket. They are both fairly fit and in their mid 80's. Whilst they know that they have to pay towards care should they need it, they are also keen that some of their hard earned savings go to their two sons and 4 grandchildren. What is the best way for them to go about dispersing some of their money without getting into trouble should they need to go into some kind of care in the next few years? Many thanks.
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