Retirees are prime targets for scammers—and the scams are getting more sophisticated every year.

From phony IRS calls to fake investment pitches, retirees face a constant barrage of financial fraud. The emotional and financial cost can be devastating.

But knowledge is power. Here’s how to spot, stop, and safeguard your finances from modern-day retirement scams.

Common Retirement Scams in 2025

• Social Security spoofing: Fake calls claiming your benefits will be suspended unless you provide info.

• Tech support scams: “Microsoft” calls to fix a nonexistent virus—just hand over your credit card.

• Investment fraud: High-yield, low-risk pitches aimed at retirees looking to grow passive income.

• Romance or grandchild scams: Emotional manipulation designed to empty your bank account.

How to Protect Yourself

• Freeze your credit to prevent fraudulent accounts.

• Use two-factor authentication on all financial logins.

• Never give info over the phone unless you initiate the call.

• Work with a trusted advisor who knows your real investments and activity.

We help clients spot red flags before it’s too late. Let’s put a security layer into your retirement plan.