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Cassoway, I believe you are right to be concerned. If everything is in her name what happens if she is incapacitated?
Why does she believe she needs to "protect" you regarding finances. Unless there is a history of you having financial difficulties it seems odd one adult would feel the need to protect another adult.
If you are paranoid, I must be too. My first thought reading your post was to wonder if she is planning to leave and take all the assets for herself.
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