Q: What does it take to legally declare a parent unfit for making financial-level decisions for themselves in FL?
A:
It takes a judge declaring so in a guardianship action. When a guardianship proceeding is initiated you would explain the grounds supporting the allegations that your parent (known as the "alleged incapacitated person") is unfit to make financial decisions. The easier way to do this, if your parent is still capable of understanding what they sign, is to see if they are open to signing a durable power of attorney so you (or another loved one) can make financial decisions for them when they are unable to do so.
I hope this helps. Good luck!
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