Seniors

Seniors are often the target of fraud. However, with some basic understanding of how scam artists work, you can avoid fraud and protect your hard-earned money. Learning how to invest safely can mean a huge difference in your retirement years.

We offer a number of on-line publications, listed below, that you can access immediately for free by clicking on them.  In addition, you can always call us, the SEC’s Office of Investor Education and Advocacy, with any questions you may have about investing. Our toll-free number is 1-800-732-0330. 

Senior Specialists Designations - What Do They Mean?

Some financial professionals use designations that imply that they are experts at helping seniors with financial issues. The Securities and Exchange Commission and the Financial Industry Regulatory Authority (FINRA) do not endorse professional designations or titles such as “senior specialist” or “retirement advisor” that some financial professionals use to market themselves.  Read more...

Free On-line Publications (please click on them to read or download)

Guide for Seniors:  Protect Yourself Against Investment Fraud

Seniors are often the target of fraud. However, with some basic understanding of how scam artists work, you can avoid fraud and protect your hard-earned money. Learning how to invest safely can mean a huge difference in your retirement year.

Questions You Should Ask About Your Investments

"Ask Questions."  That’s the best advice we can give you about how to invest wisely. We see too many investors who might have avoided trouble and losses if they had asked basic questions from the start.

Variable Annuities

Variable annuities have become a part of the retirement and investment plans of many Americans.

Investor Alerts and Bulletins

Five Red Flags of Investment Fraud

Social Media and Investing - Tips for Seniors

Early Retirement Seminars 101: Smart Tips for Spotting Retirement Scams

Variable Annuities – An Introduction

Indexed Annuities

Fixed Income Investments — When Interest Rates Go Up, Prices of Fixed-Rate Bonds Fall

Pension or Settlement Income Streams

Life Settlements

Target Date Retirement Funds

Real Estate Investment Trusts

Private Oil and Gas Offerings 

Beware of False or Exaggerated Credentials

Planning for Diminished Capacity and Illness

Protecting Your Online Brokerage Accounts from Fraud

Elder Abuse

National Center on Elder Abuse

State Directory of Elder Abuse Prevention Resources

National Adult Protective Services Association 

National Institute of Justice (research findings on elder financial abuse)

Consumer Financial Protection Bureau Resources

Consumer Financial Protection Bureau’s (“CFPB”) Financial Protection for Older Americans

CFPB’s Protecting Residents From Financial Exploitation

Managing Someone Else's Money: Help for Agents Under a Power of Attorney

Managing Someone Else's Money: Help for Trustees Under a Revocable Living Trust

Managing Someone Else's Money: Help for Guardians of Property and Conservators 

Money Smart for Older Adults - Prevent Financial Exploitation

Additional Resources

Serve Our Seniors

Eldercare locator

The Social Security Administration Online Calculator 

Federal Trade Commission Do Not Call Registry 

FBI Common Fraud Scams – Seniors 

A Planning Guide for the Newly Retired - Managing Your Money in Retirement