It's not essential for a lawyer to draw up a power of attorney for finances, but it's definitely a good idea. That's because there may be several legal aspects to the decision about how best to set it up. Also, having a lawyer represent the person or couple and create the document provides protection for the agent against charges of undue influence or elder financial abuse, or accusations that the individuals weren't legally competent when they executed the document.
It's also a good idea to check about power of attorney with any financial institution they do business with. That's because some institutions have their own power of attorney forms and require the principal -- the person you're concerned about -- to sign those specific forms.
descriptions of the different types of powers of attorney
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