Written by Janet Helm, Realtor® Seniors Real Estate Specialist (SRES®) Canadian Certified Seniors Representative (CCSR)
Scams can happen to anyone, at any age.
Being scammed is not a reflection of someone’s intelligence or judgment. Scammers are professionals. They know how to create fear, urgency and trust, and they are constantly finding new ways to make their stories feel believable.
Older adults can be specifically targeted because scammers may assume they are more likely to answer an unknown phone call, have savings or other assets, or be living alone or feeling isolated. But older adults are certainly not the only people at risk. Fraud can happen to anyone, regardless of age or education.
Perhaps a better question than “I would never fall for that” is, “What will I do if someone tries?”
Most of us have heard about the grandparent scam. The call from “a grandchild” saying he or she is in trouble and needs money. We know to be suspicious. We know to call the family and check before doing anything.
But scammers are getting slicker and slicker, and new scams are constantly emerging.
They are using technology, convincing emails and text messages, fake websites, phone calls and even impersonation to make their stories feel real. The Canadian Anti Fraud Centre says fraudsters continue to use impersonation, urgency, convincing communications and established trust to obtain money or personal information.
With the holidays approaching, when we are often shopping online, sending money, travelling and connecting with family, it is a good time to have a conversation with the people we love about staying alert.
The most important rule is simple: slow down.
In fact, one of the easiest things I recommend is also one of the hardest habits to break: don’t answer the phone! Let it go to voicemail. If it is important, they will leave a message.
That simple pause can give you something scammers don’t want you to have: time. Time to think. Time to talk to someone. Time to decide what you want to do rather than reacting to what someone else is telling you to do.
I was reminded of this with my dad in a way that still makes me smile. One day, my dad came into the house, excited to catch a tennis match that was already in progress on TV. As he rushed in, the silent alarm went off. Immediately, the alarm company called. They needed to confirm everything was okay and asked my dad for his security code. My dad firmly said, “I’m not giving you my code", and hung up! Fortunately, we had a family member listed as the next person to call if my dad wasn’t available. They were contacted, everything was sorted out quickly! My dad chuckled about the whole thing. I loved his laugh.
It was a good reminder that having a family member as a backup can be incredibly helpful. Not just for a situation like an alarm, but for the unexpected questions and little moments that come up with technology, banking, security or anything that doesn’t feel quite right.
It is worth deciding in advance who that person will be. Someone you trust who can be your second set of eyes, or simply someone you can call and say, “I’m not sure about this. What do you think?”
Sometimes, having someone to call is all the time you need to slow down and make a good decision.
Scammers want you to feel rushed. Your bank account is supposedly compromised. Your package is stuck. Your computer has been hacked. Your grandchild needs help. You have supposedly won something. Whatever the story, there is often one thing in common: you are being pressured to act right now.
You don’t have to. Hang up. Don’t engage. Don’t click on the link. Don’t transfer the money. Take a breath and verify the story independently.
The goal isn’t to become suspicious of everyone. It is to become comfortable with stopping before acting.
If someone contacts you unexpectedly and asks for personal or banking information, don’t provide it. If someone claims to be from your bank, hang up and call the number on the back of your bank card. If someone says they are a family member in trouble, contact another family member using a phone number you already have. Don’t rely on the phone number or contact information provided by the person who contacted you.
The same applies to unexpected emails and text messages. If a message asks you to click a link, don’t. Go directly to the company’s official website or app instead.
It can also be helpful to have someone you trust as your second set of eyes. If you are being pressured to make an unexpected payment or financial decision, talk to someone before you act.
The scams keep changing.
I don’t want to give you a long list of every scam out there because, by the time you read it, there may be a new one. A better approach is to know the warning signs and know where to check for the latest information.
The Canadian Anti Fraud Centre reported approximately $351 million in fraud losses in Canada during the first six months of 2026 alone. It also estimates that only 5% to 10% of fraud is reported, meaning the actual impact is likely much greater.
That is why it is worth checking the latest alerts from time to time. The scam may be new, but the strategy for protecting yourself is remarkably consistent.
Stop. Slow down. Verify.
Keep a couple of reliable resources handy.
The Canadian Anti Fraud Centre regularly shares information about current fraud trends, alerts and different types of scams. The RCMP also provides information about safety and security for older adults.
You can find the latest information here:
Canadian Anti Fraud Centre:
https://antifraudcentre-centreantifraude.ca/index-eng.htm
RCMP Seniors’ Guidebook to Safety and Security:
https://rcmp.ca/en/bc/safety-tips/personal-safety/guides-senior-safety-and-security
And if you believe you have been the victim of fraud, don’t wait. Contact your financial institution immediately, report it to your local police and report it to the Canadian Anti Fraud Centre. Reporting quickly may help with recovery efforts.
Most importantly, don’t be embarrassed.
Scammers are professionals. Being targeted does not mean you were foolish. Tell someone, get help and report it.
As the holidays approach, this might be a good time to have the conversation with your parents, grandparents, children and grandchildren before the unexpected call or text arrives.
Maybe it is as simple as agreeing on one family rule:
“If something feels urgent or unusual, we call each other before we act.”
A few minutes of preparation could save a lot of heartache later.
And, to lighten the topic slightly, remember this: if you actually do have a grandson named Johnny and he really is in jail, he can hang out there for a few hours while you confirm it is true!
When in doubt, stop. Don’t click. Don’t send. Don’t share. Verify first.