{"id":2887,"date":"2017-06-13T19:00:00","date_gmt":"2017-06-14T00:00:00","guid":{"rendered":"https:\/\/www.rbcwealthmanagement.com\/en-ca\/insights\/financial-elder-abuse-five-common-signs\/"},"modified":"2024-10-21T14:12:33","modified_gmt":"2024-10-21T18:12:33","slug":"financial-elder-abuse-five-common-signs","status":"publish","type":"post","link":"https:\/\/www.rbcwealthmanagement.com\/en-ca\/insights\/financial-elder-abuse-five-common-signs","title":{"rendered":"Financial elder abuse: Five common signs"},"content":{"rendered":"\n

A good financial advisor is usually counted on to make smart investment decisions, but sometimes there’s a call to go beyond that. Leanne Kaufman<\/a>, president and CEO of RBC Royal Trust<\/a>, increasingly finds her department dealing with cases where clients or their loved ones are concerned about financial elder abuse.<\/p>\n\n\n\n

One situation involved an elderly client who had been worried about her ability to fend off requests to invest in a questionable business venture from her adult child.<\/p>\n\n\n\n

\u201cShe’s able to maintain her stance on what she considers appropriate support and what isn’t,” says Kaufman. \u201cBut as she gets older<\/a>, she’s concerned she may be more vulnerable, so she likes the idea of having a neutral independent third party.”<\/p>\n\n\n\n

Financial abuse of seniors<\/a> is one of the darker realities of aging, and one that tends to stay out of the view of those not directly touched by it. It’s a crime that’s often not recognized by the victim, and sadly is often perpetrated by family members or close acquaintances.<\/p>\n\n\n\n

\u201cIts people in a position of trust,” says Kaufman. \u201cIt might be the children; it might be a caregiver in a care facility; it might be a neighbour.”<\/p>\n\n\n\n

For aging Canadians who’ve spent a lifetime accumulating wealth to support their retirement<\/a>, it can be a shock to learn that someone close to them has been trying to take advantage of them. It’s also something that’s increasingly prevalent in an era where older adults are a rapidly growing segment of society.<\/p>\n\n\n\n

According to census data from April 2022, the number of Canadians aged 65 and older increased by 18 percent between 2016 and 2021, the second largest increase in 75 years.<\/p>\n\n\n\n

With some studies showing close to half of older adults have experienced some sort of abuse, it’s important for them, together with close friends and family members, to be aware of the warning signs of abuse and what they can do to prevent it.<\/p>\n\n\n\n

Bianca Krueger, senior manager, Professional Development at RBC Royal Trust, points to five common signs that abuse could be happening.<\/p>\n\n\n\n

1. Missing valuables<\/h2>\n\n\n\n

It may be easy to assume misplaced jewelry or cash is just the result of an aging mind, but experts say this is one of the most common signs of possible abuse. Often, seniors will notice this themselves, and may mention it to an advisor or family member.<\/p>\n\n\n\n

2. Unusual banking activity<\/h2>\n\n\n\n

Banking activities tend to follow normal patterns, and so a sudden change can be a red flag. Unfamiliar third-party bill payments through an account or requests to make payments on someone else’s credit card can be a sign. Even a sudden increase in withdrawals could hint at something.<\/p>\n\n\n\n

There could end up being a good reason for the activity, but it could also be a sign that someone is pressuring the senior to take out more money.<\/p>\n\n\n\n

3. Sudden new companion<\/h2>\n\n\n\n

A challenge in spotting abuse is that it often occurs in a murky area; how to determine whether a family member’s requests for financial assistance constitute abuse or a legitimate appeal for help?<\/p>\n\n\n\n

Also difficult to judge is the sudden appearance of a new friend or romantic interest, and whether it suggests potential abuse or is a legitimate relationship.  \u201cWhen you notice someone new that is not family or an old friend and that person is now accompanying the senior suddenly to banking and legal appointments, it could be an issue,\u201d says Krueger.<\/p>\n\n\n\n

4. Unexplained property and large purchases<\/h2>\n\n\n\n

Transferring property or bank account ownership should be seen as a possible warning, says Krueger.  \u201cProperty transfers of any kind or large purchases in someone else’s name should be a major red flag. I recall a situation years ago where a senior person asked their financial advisor to fund the purchase of a brand new vehicle in someone else’s name. They didn’t even have a driver’s licence and they had just recently met this ‘friend,’\u201d she says.<\/p>\n\n\n\n

5. Unexplained changes to Will or power of attorney<\/h2>\n\n\n\n

Financial power of attorney allows a designated person to act on behalf of the client in legal and financial affairs. It’s a very significant designation and any changes to it, particularly when the transfer is not to a family member or a long-standing friend, could be a sign someone may be trying to take advantage.<\/p>\n\n\n\n

How to guard against abuse<\/h2>\n\n\n\n

Krueger says not only is financial abuse unethical, but in many cases it can also be illegal. For further resources, see the RCMP\u2019s Seniors Guidebook to Safety and Security <\/a>.<\/p>\n\n\n\n

Part of the difficulty of stopping financial elder abuse is identifying it while it\u2019s happening, so it\u2019s crucial to make sure protections are in place ahead of time to fend off or stop potential abuse.<\/p>\n\n\n\n

A good first step is having a wealth transfer plan<\/a> in place and communicating it to the next generation or other beneficiaries. It’s also important to ensure the power of attorney is chosen wisely, whether it be a family member, friend or lawyer. This should be someone who lives nearby, is reliable and stable financially.<\/p>\n\n\n\n

\u201cOften, [clients] don\u2019t give critical thought to who they\u2019re naming [as power of attorney]\u2014they simply name a child,\u201d says Kaufman. \u201cBut if a parent feels vulnerable giving money to that child, are they the right choice to name as your power of attorney?\u201d<\/p>\n\n\n\n

Having a network of professionals (financial advisor, accountant, lawyer, etc.) can provide a level of protection for seniors. These professionals can be an important point of contact for seniors or their family members who are concerned about potential abuse and can also be an extra set of eyes that may notice strange transactions.<\/p>\n\n\n\n

However, if a friend or family member suspects financial abuse, they should talk first with the senior and remember to be compassionate and non-judgmental in these delicate, and sometimes embarrassing or upsetting conversations.<\/p>\n\n\n\n

It\u2019s important to remember that the more isolated a person is, the more likely they can be victimized. Having someone close to make checks, whether it\u2019s a trusted family member, a close friend, or a trusted professional can be a deterrent to potential victimizers.<\/p>\n\n\n\n

This article was updated on August 23, 2024.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

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