Advice on holding money for someone else

Advice on holding money for someone else US based. Don’t know where to start and it’s a weird situation but need advice on holding close to $20k for my mom. Not sure when she’ll need it but she’s 60, has drained her retirement, but also may even not need it for another 5 years for all I know. Or she may need it tomorrow.. everything is so uncertain. She and my sister have come to the c...

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