<prompt> Human: My mom is a little over 60. She has around 150k in investments and 30-50k in a 30 year mortgage on a 100k house. She makes 60k a year. I wish I knew more details and can get her to provide them if I need to. She recently visited her financial advisor and left panic stricken, sure that she was going to end up in the poor house. She asked me to attend the next meeting and I did. He was unwilling to divulge his fees and was somewhat offended when I mentioned Vanguard as an option. That said, my mom has not done a great job managing her money. She doesnt pay a lot of attention to her finances. Her allotments were way off and this advisor did offer a plan to get those in line and offered her some retirement planning and options. So he did get her to think about her financial future, which is good. At the same time he is trying to put her money in some mutual funds company Ive not heard of and telling her about these goofy products, like investment insurance that guarantees a certain return per year, etc.This forum leans towards the young, and my knowledge is limited and centered around my finances Im 30. What should I advise her to do? Can you guys offer a plan, or good resources, aimed at someone nearing retirement age that has not saved enough?EDIT: I am going to apologize in advance. I usually hate my parent... posts, but when its your mom...well, you overlook your misgivings.  <response>: Yikes. Not a bunch of time left to feather that nest. Unwilling to divulge fees? Mommas money needs to be elsewhere and Vanguard seems a good choice. Id suggest a post here: Its a pretty canny group that will parse your Moms finances and show probabilities, offering plenty of suggestions for action. FireCalc at that site will be instructive. Good luck 