Q. It seems like every week I get invited to another free financial seminar. I’ve never gone to one, but I have always been curious. Are they a good way for a retiree to get good financial advice? I want to keep better track of my investments in the new year.

A. January is National Financial Wellness Month, a perfect time to pause and think about what’s working and what could be improved with your finances. It’s understandable to be curious about retirement seminars, many people wonder whether they’re really worth attending. The truth is, while some offer useful information, many that are advertised as “educational” or “workshops” are actually focused on selling investments, insurance, or other financial products – either during the event or in follow-up calls. That’s why it helps to know the common red flags before you attend. Here’s a list from the Consumer Finance Protection Bureau (CFPB):

Freebies – Financial salespeople may offer a free meal or gift to get you to attend. They’re hoping that by giving you something, you’ll be more likely to give them something in return.

High-pressure sales tactics – You may be asked to act quickly or told that “opportunities are limited.” Good advisers won’t rush you.

Exaggerated claims – If someone promises big returns with little risk, be cautious. Report misleading statements to your state securities or insurance regulator.

Misleading titles – Titles like ‘senior specialist’ may sound official, but check credentials before trusting anyone with your money.

The CFPB recommends asking for references and getting a background report before hiring anyone to be a financial advisor. You can do some research ahead of time by visiting the U.S. Securities and Exchange Commission website at: www.investor.gov/ for information on investment professionals and resources tailored to older investors.

As we start a new year, it’s a great time to set intentions for your financial wellness. If you do attend a seminar, remember you’re under no obligation to buy anything or share personal information. Take your time, ask questions, and trust your instincts. For guidance you can count on, look to unbiased, educational resources and advisors who put your interests first.

Are you caring for an older adult or need help finding healthy aging resources? Our experienced staff is available to help. Visit us online at www.agespan.org. You can also call 800-892-0890 or email info@agespan.org. 

Joan Hatem-Roy is the chief executive officer of AgeSpan, which serves the following cities and towns: Amesbury, Andover, Billerica, Boxford, Chelmsford, Danvers, Dracut, Dunstable, Georgetown, Groveland, Haverhill, Lawrence, Lowell, Marblehead, Merrimac, Methuen, Middleton, Newbury, Newburyport, North Andover, Peabody, Rowley, Salisbury, Salem, Tewksbury, Tyngsboro, Westford, and West Newbury.