...she needs a family member to go to a judge and arrange to become her guardian. In Florida the statute 744.3215 identifies the rights that a court may delegate to a guardian. The court must specify which rights the ward is unable to exercise for him/herself. You are suggesting that she isn't competent to manage her own funds at this point in her life.

The guardian would then be a limited guardian. You must file a petition with the court to begin this process. The court then appoints a three person committee, which must include a psychiatrist and two other mental health practitioners, or a gerontology specialist to examine the individual on behalf of whom the guardianship is proposed.

Your mother can voluntarily petition the court to get a guardian to manager her funds under Florida Statutue 744.341 or the corresponding statute in your state.

good luck if you are serious about this question!