Subtle financial missteps, missed payments, unusual withdrawals, uncharacteristic spending, are often among the earliest indicators of cognitive decline, appearing long before a clinical diagnosis. Yet these warning signs are frequently overlooked or misinterpreted, leaving older adults increasingly vulnerable to fraud, exploitation, and costly mistakes at precisely the moment they need greater protection.

As the U.S. population ages, families and financial institutions are on the front lines of a growing challenge: how to recognize cognitive red flags early and respond in ways that preserve dignity and independence. Financial behavior can serve as a powerful early signal—but only if the right tools and education are in place to detect subtle changes and guide thoughtful intervention.

This white paper explores the critical link between cognitive health and financial safety, and outlines how proactive monitoring, trusted support networks, and purpose-built technology can transform early recognition into meaningful protection.

The opportunity is clear: with the right approach, families and credit unions can work together to reduce risk, strengthen confidence, and safeguard financial well-being before small issues become life-altering crises.

This analysis:

• Explores the link between cognitive decline and financial mismanagement

• Outlines the most common warning signs

• Provides actionable steps for prevention and early intervention