How can I help an older parent avoid scams without taking away their independence?

Reviewed answer

Build a shared checking routine and financial safeguards with your parent's consent.

Agree to pause unexpected requests for money and call each other using saved numbers.
Help set up bank alerts and ask the bank about a trusted contact. A trusted contact generally cannot transact on the account.
Review a recent scam example together and agree that asking for help will never lead to blame.

Get help if

New secrecy, unexplained withdrawals, unpaid bills, or a stranger controlling conversations may need prompt attention.