Sarah G., Bethesda, Maryland
Since you are already on her account, I am assuming that you have already had a conversation with her about her finances and that she welcomes your help and involvement. This indicates to me that she would be receptive to hearing your concerns about her spending — as long as you keep the conversation focused on preventing fraud and using her funds as wisely as possible.
It appears that you may be a step or two away from managing your mother’s daily financial needs. If that is the case, I recommend that you ask your mother if you can join her in her next in-person meeting with her financial advisor. This will enable you to establish a rapport with him or her, and become familiar with her financial situation. With your mother’s blessing, this will ensure a smooth transition that is seamless and stress-free.