Why is Elder InvestmentFraud important to you?

•Your financial health affects youroverall health.

•The quality of proper nutritionand healthcare are both affectedby finances.

• Many aspects of normal agingand disease can contribute toyour vulnerability to fraud andexploitation.We’re all at risk.

• Changes in your ability to makeimportant decisions can leaveyou vulnerable to someone whomay handle your affairs differentlythan you would.

•The population of older adultsvulnerable to investment andfinancial fraud is large and growing.

RESOURCESIndiana Office of the Secretaryof State, Securities Division

1-800-223-8791www.IndianaInvestmentWatch.comThe Division is the front line of defensefor investors,helping Hoosiers identify

fraud and protect their assets.

National Center on Elder Abuse302-831-3525

www.ncea.aoa.govNCEA works with State and local

partners to ensure that olderAmericanslive with dignity and without abuse.

United Waywww.211.org

2-1-1 is a phone number that connectscallers to information about available

health and human services.

Adult Protective Services1-800-992-6978

www.in.gov/fssa/da/3479.htmAPS protects older adults from abuseand exploitation through investigation

and intervention.

North American SecuritiesAdministrators Association

www.nasaa.orgNASAA is the association of state

securities regulators responsible forgrass-roots investor protection.Visit

NASAA’s online Senior InvestorResource Center.

Investor Protection Trustwww.investorprotection.org

IPT works to provide the objectiveinvestor education needed to make

investment decisions.

Elder Investment Fraud

Securities fraud perpetratedagainst seniors. Investmentfraud can take many forms,including unsuitable invest-ments, fraudulent offerings,unregistered products,unlicensed advisers/brokersor theft or misappropriationof funds.

Patient Education

Learn how to protect yourself

and your family from

senior financial exploitation

INDIANA

Does this sound familiar?

If you have any of the following financialconcerns, talk with your health careprovider or someone else you trust:

• I run out of money by the end ofthe month.

• I often regret or worry about financialdecisions I’ve made.

• I have trouble paying bills becausethe bills are confusing.

• I don’t feel confident making bigfinancial decisions alone.

• I don’t understand financial decisionsthat someone else is making for me.

• I give loans or gifts more thanI can afford.

• My children or othersare pressuring me togive them money orto change my will.

• Someone else isaccessing my accountsor my money isdisappearing.

• I can’t reachmy adviser.

How Do You Know WhenYou Need to Get Help?

Don’t let yourselfbe a victim. Here’s how:

• Information is your best defenseagainst fraud.

• Learning about this issue will allowyou to avoid situations that increaseyour risk of being financially exploited.

• Manage your loneliness and socialisolation; try making new friends orreaching out to family.

• Practice good health habits to boostphysical independence.

• Reach out to someone you trust,such as your doctor, if you areuncomfortable about a situationinvolving your finances.

RED FLAGS

� is socially isolated,depressedor lonely?

� has experienced a changein the ability for self-care?

� depends on someone toprovide everyday care?

� is uncomfortable with theperson providing care?

� has just lost a loved one,such as a spouse?

� is financially responsible foran adult child or spouse?

� has given Power of Attorneyto someone else to manage hisor her finances?

Are you an older adultor do you know one who...

How Can YouProtect Yourself?

This material was createdby the Baylor College ofMedicine’s Texas ConsortiumGeriatric Education Center aspart of the Elder Investment

Fraud and Financial Exploitation (EIFFE) programthrough a grant from the Investor ProtectionTrust with the support and involvement of theTexas State Securities Board.