Do I need an estate planner or accountant??

A Licensed Fiduciary. See an Elder Care attorney to start with; they often have contacts with fiduciaries. you can decide where to go from there. You can manage everything or the Fiduciary can. They charged about 90.00 an hour in California about 3 years ago. Once they get all mail sent to them it is about an hour a month simple estate. Fiduciaries are appointed by the court for elders without family. OR you can do this. A year of real angst getting all bills sent to you and providing your POA to all entities, then you just have basically files and record keeping. You would be on ALL accounts as the only one signing with your Mom having her own small spending account for herself. Start with consulting a lawyer (Elder Care) with your list of questions. I do wish I had used a Fiduciary, but it is dicey finding one you trust. You don't want a financial advisor; you can't make a mistake in this, so start in the lawyers office for your options. I managed my brother Trust and his accounts per his request. It's a job.