Patcee, keep in mind once you feel like you are no longer able or want to take care of your banking needs, that would be the time to grab your Power of Attorney and go to the bank.... have the POA be a second name on your savings/checking accounts so that POA can pay your bills from your accounts. The banks know how to word the account.
I did that with my very elderly Dad once I noticed he didn't want to bother with the bills and bank statements. Dad's memory was still good so he was able to talk to the Bank Manager to let his wishes be known. It all went very smoothly and I had zero issue with using Dad's accounts for his financial needs.
Now if you feel you can't trust anyone in the family to handle your money, you could hire a CPA to manage your bills/accounts, but that comes with a hourly rate charge.
I did that with my very elderly Dad once I noticed he didn't want to bother with the bills and bank statements. Dad's memory was still good so he was able to talk to the Bank Manager to let his wishes be known. It all went very smoothly and I had zero issue with using Dad's accounts for his financial needs.
Now if you feel you can't trust anyone in the family to handle your money, you could hire a CPA to manage your bills/accounts, but that comes with a hourly rate charge.