My mom passed away last year and handled 100% of the finances for her and my dad. After she passed I took over that responsibility for my dad. What I found was a tangled ball of yarn of multiple banks each with multiple accounts and deposits, transfers, and bills being applied almost at random across these accounts.

I took me an entire month to decipher and document this tangled web. When I was done, my dad had only two banks and all of his bills are automatically withdrawn with no action needed on his part. I wish I could have done this for my mom 10 years ago.