{"id":2691,"date":"2018-12-05T00:00:00","date_gmt":"2018-12-05T00:00:00","guid":{"rendered":"https:\/\/www.rbcwealthmanagement.com\/en-us\/insightsguarding-against-financial-elder-abuse\/"},"modified":"2023-12-14T11:17:19","modified_gmt":"2023-12-14T16:17:19","slug":"guarding-against-financial-elder-abuse","status":"publish","type":"post","link":"https:\/\/www.rbcwealthmanagement.com\/en-us\/insights\/guarding-against-financial-elder-abuse","title":{"rendered":"Financial elder abuse: Safeguarding senior and vulnerable clients"},"content":{"rendered":"\n

When a financial advisor at RBC Wealth Management noticed a series of suspicious transactions occurring in an account of one of his senior clients, he immediately shared his concerns with his supervisor and his compliance officer. From what they could tell, the client\u2019s caregiver was somehow involved, and it appeared the client had no knowledge of what was going on. When the financial advisor approached the client with his concerns, the client was apprehensive about challenging his caregiver\u2014his sole supporter\u2014with accusations about where the money was going.<\/p>\n\n\n\n

\u201cSadly, the situation isn\u2019t unique,\u201d says Tara Ambrose, senior manager of client risk prevention<\/a> at RBC Wealth Management\u2013U.S. \u201cSome clients would rather give the benefit of the doubt, allowing unauthorized payments from their account in order to avoid confrontation and continue the services that (their) caregivers are providing. It\u2019s very sad.\u201d<\/p>\n\n\n\n

This client\u2019s experience is one of many cases of financial exploitation that are eroding the wealth and retirement assets of vulnerable seniors across the U.S. In 2022, consumers reported more than $8.8 billion to scams. That’s $2.6 billion more than what was reported in 2021. Older adults report the highest losses per person, according to the U.S. Senate’s Special Committee on Aging. One in nine people aged 60 and older has reported being abused, neglected or exploited within the last year, according to the National Adult Protective Services Association (NAPSA).<\/p>\n\n\n\n

The magnitude of the problem has helped spur lawmakers and industry regulators to establish stronger initiatives geared toward stamping out the exploitation of vulnerable seniors. New laws and financial industry regulations are encouraging financial services firms to take proactive steps like asking clients to identify trusted contacts and allowing firms to temporarily delay disbursements when financial exploitation is suspected to provide time to intervene.<\/p>\n\n\n\n

While these are positive steps toward addressing the issue, more work is required in order to effectively combat financial abuse. With many of these instances going unreported, safeguarding an aging, vulnerable population from fraud requires vigilance on everybody\u2019s part, Ambrose says. Here\u2019s how you can help protect yourself and your loved ones from financial exploitation.<\/p>\n\n\n\n

Watch for the warning signs of financial abuse<\/h2>\n\n\n\n

As the aging demographic transitions to a point where assistance and support becomes more pertinent, it\u2019s crucial to protect their personal wealth. \u201cIt\u2019s very important that we look out for potential red flags, fraud, or people taking advantage of an aging person\u2019s situation or vulnerability,\u201d says Ambrose.<\/p>\n\n\n\n

Perhaps the biggest red flag is the introduction of a new relationship, be it romantic, a simple friendship or even a different caregiver, who has gained control or some sort of influence in an older person\u2019s finances. The relationship could be completely innocent, but it\u2019s always worth questioning, explains Ambrose.<\/p>\n\n\n\n

Other warning signs of financial exploitation include: an increased number of checks written out to the same person or entity, a high frequency of small-amount withdrawals, confusion about where funds are kept, changing power of attorney or beneficiaries on insurance or investment accounts, unnecessary or expensive home repairs, an out-of-place or unusual urgency to make an investment or transaction and bounced checks\u2014despite the fact there should be enough funds in the account.<\/p>\n\n\n\n

Know the scams so you can avoid them<\/h2>\n\n\n\n

Having a fundamental knowledge of the current techniques used by fraudsters<\/a> is important in the fight against financial abuse. For example, says Ambrose, with the proliferation of digital communication, scam artists have learned to impersonate an individual\u2019s friends and family online.<\/p>\n\n\n\n

Fraudsters may pose as a grandson or granddaughter, saying they are in a bad situation while on a trip or at college, and in need of emergency funds.<\/p>\n\n\n\n

\u201cWell-intentioned clients often succumb to those pleas for help from what they believe to be their family members,\u201d says Ambrose. \u201cSuch clients may not be monitoring their accounts and emails as often as we would like, so that they could promptly identify when something is peculiar.\u201d<\/p>\n\n\n\n

One way to tell if your family member is truly in need of assistance is to contact the family member directly. Whether they\u2019ve sent an email or called, verify the situation by calling your loved one at their phone number you\u2019re familiar with.<\/p>\n\n\n\n

Other popular scams include claims that you\u2019ve won a lottery in another country, or that you owe the Internal Revenue Service and need to send money to settle your accounts. Scam artists may also appeal to your investing side, using high-pressure sales tactics to push you into throwing your wealth behind a so-called \u201conce in a lifetime, risk-free\u201d investment.<\/p>\n\n\n\n

Protect yourself by being proactive about your investments<\/h2>\n\n\n\n

The key to protecting yourself and your loved ones is to be proactive. \u201cWe encourage our financial advisors to start talking with clients very early on about their plans for the future, who they would like to name as their trusted contact, and who to involve in the event that they are no longer able to care for or manage their finances independently,\u201d says Ambrose.<\/p>\n\n\n\n

As you enter the early stages of retirement, sit down with your family and your financial advisor to discuss your goals, and how you want to use your assets as you age. If there are any philanthropic causes you\u2019re interested in supporting, put your wishes in writing.<\/p>\n\n\n\n

If you haven\u2019t already, use this opportunity to establish any trusts, develop a will and choose a power of attorney<\/a> to manage your estate in the event you\u2019re incapacitated. These resources will be your team, and they\u2019ll be critical going forward\u2014especially if you encounter some of the nefarious tactics used to prey on the aging population.<\/p>\n\n\n\n

But it\u2019s not just about being wary of fraudsters. The vast majority\u201490 percent, according to NAPSA\u2014of reported financial abuse is committed by the older victim\u2019s own family.<\/p>\n\n\n\n

Fighting financial exploitation is everybody\u2019s business<\/h2>\n\n\n\n

If you\u2019re worried you or your loved one has been financially exploited, speak with your financial advisor immediately and tell the authorities. \u201cFinancial exploitation is a crime,\u201d says Ambrose. \u201cLike any other financial crime, people in the U.S. have an obligation to report it.\u201d<\/p>\n\n\n\n

Be vigilant, check your banking and credit card statements frequently, and watch for strange purchases or withdrawals. Don\u2019t invest in a high-pressure sales tactic that seems \u201ctoo good to be true,\u201d and check the legitimacy of charities before donating to them. Regularly review your wealth plan with your financial advisor to keep everything up to date and aligned with your wishes.<\/p>\n\n\n\n

And while regular communication and social interaction goes a long way in preventing fraud, having a support network in place is the best way to see that you, or your loved ones, are well looked after as you age. \u201cYou need to prepare for the day when you\u2019re not capable of managing your affairs independently,\u201d adds Ambrose.<\/p>\n","protected":false},"excerpt":{"rendered":"

The FBI reported the cost of financial exploitation of older Americans around $3.1 billion in 2022, but many cases slip below the radar. Prevent elder financial abuse by learning to recognize the warning signs.<\/p>\n","protected":false},"author":15,"featured_media":2693,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"rbcwm_post_date":"","editor_notices":[],"rbc_url_alias":"","rbcwm_featured_desktop_image_position":"","rbcwm_featured_mobile_image_position":"","_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[144],"tags":[157,602,156,155],"rbcwm_content_owner":[],"rbcwm_need":[463,483],"rbcwm_segment":[460],"rbcwm_solution":[465],"rbcwm_topic":[464],"rbcwm_channel":[],"rbcwm_format":[],"class_list":["post-2691","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-eldercare","tag-financial-elder-abuse","tag-financial-exploitation-of-older-americans","tag-how-to-prevent-financial-abuse","tag-warning-signs-of-financial-abuse","rbcwm_need-protect","rbcwm_need-support","rbcwm_segment-individuals-and-families","rbcwm_solution-wealth-planning","rbcwm_topic-your-wealth"],"acf":{"rbcwm_subtitle":"The FBI reported the cost of financial exploitation of older Americans around $3.1 billion in 2022, but many cases slip below the radar. Prevent elder financial abuse by learning to recognize the warning signs.","rbcwm_post_author":"","rbcwm_custom_breadcrumb_text":"","rbcwm_custom_breadcrumb_link_url":"","rbcwm_disclaimers":{"add_disclosures":"","perspective_disclaimer":"","expandable":[],"omit_from_pages":[],"disclaimer_footnote":"RBC Wealth Management does not provide tax or legal advice. All decisions regarding the tax or legal implications of your investments should be made in consultation with your independent tax or legal advisor. No information, including but not limited to written materials, provided by RBC WM should be construed as legal, accounting or tax advice.\r\n\r\nTrust services are provided by third parties. RBC Wealth Management and\/or your financial advisor may receive compensation in connection with offering or referring these services. Neither RBC Wealth Management nor its financial advisors are able to serve as trustee. RBC Wealth Management does not provide tax or legal advice. All decisions regarding the tax or legal implications of your investments should be made in connection with your independent tax or legal advisor.\r\n\r\nInvestment and insurance products offered through RBC Wealth Management are not insured by the FDIC or any other federal government agency, are not deposits or other obligations of, or guaranteed by, a bank or any bank affiliate, and are subject to investment risks, including possible loss of the principal amount invested."},"rbcwm_insight_cta_id":[8484],"rbcwm_pagination":{"next_link":"","next_link_text":"","previous_link":"","previous_link_text":""},"rbcwm_video_duration":"","article_time":"","rbcwm_enable_toc":false,"rbcwm_toc_selector":"h2"},"yoast_head":"\nFinancial elder abuse: Safeguarding senior and vulnerable clients<\/title>\n<meta name=\"description\" content=\"The FBI reported the cost of financial exploitation of older Americans around $3.1 billion in 2022, but many cases slip below the radar. 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