R.O.S.E., Resources/Outreach to Safeguard the Elderly
As the year wraps up, many of us make resolutions to eat better, save more, or spend wisely. But here’s one that should top everyone’s list: staying scam-free in the new year.
The weeks between December and January are prime time for fraud. Scammers know people are donating to charities, preparing taxes, and organizing finances. Making fraud prevention part of your New Year’s goals is an easy—and powerful—way to protect yourself.
1. Give Wisely. Fake charities thrive during the holidays. Scammers use emotional stories to pressure quick donations.
* Verify before you give. Check organizations on CharityNavigator.org.
* Never send money via gift cards, wire transfers, or crypto—they’re untraceable and hard to unwind.
* Be wary of high-pressure tactics. Real charities don’t rush you—but scammers do.
2. Stay Alert for Tax and Finance Scams. As tax season approaches, imposters pretend to be from the IRS, Social Security, or your bank.
* The IRS will never call or email you first—real notices come by mail.
* Don’t click suspicious links or open attachments. Go directly to official websites.
* Contact the IRS to get an IP PIN at irs.gov that will protect your identity—and your return.
3. Review and Refresh Your Finances Safely. Year-end is the perfect time to organize your accounts, update beneficiaries, and review retirement plans—but scammers know that too.
* Be cautious of unsolicited offers to “help” with investments or account transfers.
* Log in directly to your financial institutions—never through emailed links or texts.
* Shred old documents containing personal details before recycling or discarding them.
4. Strengthen Your Digital Defenses. Use strong passwords or passkeys, enable two-factor authentication, and keep your software updated. Regularly check bank and credit card statements for unusual activity and review your credit reports.
A Resolution That Pays Off
Scammers count on distraction and trust—but awareness is your best defense. Make 2026 the year you pause before you pay, verify before you trust, and think before you click. It’s a resolution that protects more than your wallet—it protects your peace of mind.
R.O.S.E. seeks to create change by educating and providing awareness of financial scams that typically target the older adult population, with a focus on those age 60 and over. For more information, resources, and sign up for our newsletter, visit www.roseadvocacy.org, email us at info@roseadvocacy.org, or call us at 602-445-7673.