Dad passed away 10 years ago, mom (75 f) hasn’t updated her will since my sibling and I were children.

Dad passed away 10 years ago, mom (75 f) hasn’t updated her will since my sibling and I were children. She has no POA for health or finance and we have no way to access her accounts (other than checking, which has all 3 of us listed as signers). She seems to think that setting everything up to POD or TOD will take care of everything and give us access to her accounts. My sibling and I are apparently on the deed to her paid off house. I worry tha...

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