Fraud is becoming increasingly sophisticated, and in a world where technology evolves quickly, scammers are finding new ways to target individuals of all ages and backgrounds. At Raymond James Ltd., protecting your assets and helping you stay informed is a core priority. Understanding how scams work — and how to spot them — is one of the strongest defenses you have.

How Scams Typically Start

Fraudsters rely on tactics designed to catch you off guard and build false trust. Common methods include:

• Phishing attempts through deceptive emails, texts, or phone calls.
• Fake online ads or websites that look legitimate but are designed to steal information.
• Pop‑up warnings on your devices urging immediate action or requesting access.

These strategies often lead victims to click fraudulent links, share sensitive information, or unknowingly authorize financial transfers.

Recognizing the Common Traits of a Scam

Although scams come in many forms, they tend to share similar warning signs. Being aware of these characteristics can help you identify threats early:

Emotional Manipulation

Scammers create urgency, fear, or excitement to pressure quick decisions.

Offers That Seem Too Good To Be True

Promises of unusually high returns or guaranteed profits with little risk are major red flags.

Unsolicited Advice or Opportunities

Unexpected investment tips or financial offers from unknown sources should always be approached with caution.

Isolation Tactics

Fraudsters may encourage secrecy or discourage you from speaking with trusted family members or financial professionals.

Use of AI and Deepfakes

Scammers are increasingly using advanced technology to create convincing fake websites, emails, and even impersonations of trusted individuals, government officials, or public figures.

Practical Ways To Protect Yourself

Staying vigilant is key. Here are steps you can take to reduce your risk:

• Be cautious with unsolicited contact — especially if someone asks for remote access to your computer.
• Verify before sharing information — confirm the legitimacy of companies, agencies, or investment opportunities using official websites and phone numbers.
• Check email addresses carefully — scammers often alter one or two characters to mimic legitimate senders.
• Think before you click — avoid suspicious links and unknown attachments.

If You Think You’ve Been Targeted

Acting quickly can help minimize potential harm.

• Report the incident to the Canadian Anti‑Fraud Centre (CAFC): https://www.antifraudcentre-centreantifraude.ca
• Contact your financial advisor: They can help guide you through next steps and monitor your accounts for unusual activity.

Staying informed is one of the most effective ways to protect yourself from fraud. As scams continue to evolve, having a trusted professional in your corner matters more than ever. At Insightful Wealth Group / Raymond James., we remain committed to supporting you, safeguarding your financial well‑being, and helping you navigate an increasingly complex digital landscape with confidence.

This e-newsletter has been prepared by Christine LaLiberte and expresses the opinions of the author and not necessarily those of Raymond James Ltd. (RJL). Statistics, factual data and other information are from sources RJL believes to be reliable, but their accuracy cannot be guaranteed. It is for information purposes only and is not to be construed as an offer or solicitation for the sale or purchase of securities.

This newsletter is intended for distribution only in those jurisdictions where RJL and the author are registered. This provides links to other Internet sites for the convenience of users. Raymond James Ltd. is not responsible for the availability or content of these external sites, nor does Raymond James Ltd endorse, warrant or guarantee the products, services or information described or offered at these other Internet sites. Users cannot assume that the external sites will abide by the same privacy policy which Raymond James Ltd adheres to. Securities-related products and services are offered through Raymond James Ltd., member-Canadian Investor Protection Fund. Insurance products and services are offered through Raymond James Financial Planning Ltd., which is not a member-Canadian Investor Protection Fund.