The moment usually arrives quietly: a missed mortgage payment, a large sum given away on the phone, the stove left on twice in a week. Nothing has changed legally, everything has changed practically, and nobody has authority to act.
Families arriving at a guardianship petition think of it as one decision. Florida law treats it as two separate questions, and the distinction changes how much of someone's independence is actually affected.
Most people plan a will and a power of attorney and stop there. Neither answers the question that arises in a crisis: if a court has to appoint someone to decide for you, who should it be? Florida lets you answer that in advance.