Recognize the pattern
How it starts
Retirement presentations, referrals or wellness groups.
The promise
Priority admission plus dividends will grow your retirement savings.
What happens next
Service rights are sold as investments, using tours, gifts and early rebates to encourage further deposits of savings.
Signs to watch for
- Guaranteed principal and high fixed returns
- Unverifiable beds or project
- Funds go to personal or unrelated accounts
Start with what you can do now
If this happened to you
Stop new payments and referrals
Keep project, deposit and rebate records
Report concerns to local financial authorities or police
What to save
Keep the original records. Use copies to organize the details.
- Project promotion and tour materials
- Contract and investment claims
- Deposit and rebate statements
- Salespeople and organization details
Before you send money
- Check investment professionals through Investor.gov.
- Verify the care business separately from the investment offer.
- Discuss a large commitment with someone independent of the seller.
These guides explain common patterns. The facts of your situation and your payment provider’s rules determine which steps are available.