Identify the Capacity Gap

Understand why the absence of a “capable guardian” is what makes a client an attractive fraud target — and how to spot it during intake and every annual review.

Conduct the Audit

Use a behaviorally-informed script that introduces trusted-contact, exposure, and isolation questions as a normal part of onboarding — never as suspicion.

Document for Compliance

Build a compliance-defensible audit trail that supports Senior Safe Act immunity and speeds any future FINRA Rule 2165 disbursement hold.

About This Course

Elder fraud begins long before a scammer makes contact — it begins with targeting, and targeting selects for the absence of a capable guardian. This CFP Continuing Education course teaches advisors to fold a standing Capacity Gap Audit into client onboarding and every annual review, covering trusted-contact and power-of-attorney documentation, data-broker exposure, and isolation risk signals — all without infringing on client dignity or making an unlicensed capacity determination. Built for CFP professionals and other advisors maintaining continuing-education requirements, this ~110-minute self-paced course maps to Principal Knowledge Topics F.46 (Eldercare and Special Needs Planning) and H.66 (Behavioral Finance), and includes a dignity-preserving onboarding script, a printable intake checklist, and two knowledge checks. By the end, you'll have a documented, compliance-defensible practice that protects clients and supports Senior Safe Act immunity — not a one-time task, but a standing part of how you onboard and review every relationship.