<prompt> Human: She has no dependents; all of her children are fully grown. I told her we are not poor and can handle paying for her funeral.Ive been trying to convince her to dump this adviser for a while. His fee 1 isnt the worst in the world, but he keeps talking her into buying bad financial products or trying to, unless I find out about it and can talk her out of it. The most recent was a variable annuity.  <response>: Have her get a second opinion from an independent, fee-only firm. CFP Advisor RIA firm preferably. 