My mother was recently diagnosed with dementia, she will be appointed a guardian. She has some of her money in CDs which include also her children names. She also has a bank deposit box where she keeps important documents and stock certificates. I would like to know what can POA access to and change to her accounts, can POA change names on CD or withdrawal as cash and can he access to bank deposit box? Second question goes the same for guardian, and how to protect someone deposit box where nobody really knows whats inside.