My mom is retiring soon and wants my input on how to manage the retirement money that she has made from stocks. She hasn’t told me any amounts, but what she has said leads me to believe that it is a decent amount. She has met with Merrill Lynch and plans to meet with Charles Schwab. She wants at least some of her money easily accessible. She is taking me to her meetings with these financial planners & I don’t know what is a red flag.