WJ Wellness
Money, Family & Peace of Mind
Planning and Talking for a Better Later Life
Practical conversations. Stronger relationships. A more confident tomorrow.
WEALTH & JOY WELLNESS · INFORM · EMPOWER · CONNECT1
WJ Wellness seminar
Money, Family & Peace of Mind
Preparing early. Reducing risk. Having better conversations.
A practical, relationship-centred seminar for older adults and the people who care about them.
Seminar presentation
Seminar presentation
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Money, Family & Peace of Mind
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Discussion question
What is one conversation you have been postponing?
About this seminar
Financial preparedness is relationship preparedness
Money decisions later in life are rarely only technical. They can carry questions of autonomy, safety, responsibility, culture and trust. This seminar offers a calmer way to prepare: clarify what matters, reduce avoidable risks and make family support easier to accept and provide.
Start here
A one-minute welcome from your presenters
You do not need to solve everything today. Choose one conversation worth beginning, then start with curiosity, respect and one practical step.
Older adultsAdult childrenCare partnersCommunity groups
The five pillars
A practical path from uncertainty to action
- 01
Be prepared
Know what matters, where information lives and who should help.
- 02
Mitigate risk
Put small safeguards in place before urgency narrows your choices.
- 03
Improve communication
Start earlier, use curiosity and name the kind of help that feels supportive.
- 04
Protect relationships
Slow conflict down, clarify concerns and document shared decisions.
- 05
Create peace of mind
Turn good intentions into clear roles, records and next steps.
Safety & ethics
Safety, dignity and financial protection
Abuse and fraud can be difficult to recognize. The goal is not to diagnose or investigate, but to notice concerning patterns, respond without judgment and connect people with appropriate support.
Recognize possible abuse
Look for patterns that reduce choice, access or dignity.
- Pressure involving money, property, wills or powers of attorney
- Isolation, intimidation, humiliation or unexplained financial changes
Spot scam pressure
Fraud often uses emotion and speed to interrupt careful thinking.
- A sudden emergency, secrecy, impersonation or a guaranteed return
- Requests for cash, cryptocurrency, gift cards or remote access
Respond safely
Support the person without taking over.
- Speak privately, listen without judgment and ask what they want
- Check immediate danger, preserve information and connect with appropriate help
Scam pressure practice
Can you spot the safest next step?
Try five realistic situations. Choose what you would do first, then compare your answer with a safer response. This is practice—not a certification—and no answers are saved.
Situation 1 of 5
The urgent family call
A caller says your grandchild has been arrested. They need cash today, and you must not tell the family because of a ‘gag order.’
Your presenters
Two perspectives, one practical conversation
Yvonne Zhu
Money psychology, financial wellness and risk
Yvonne brings nearly two decades in financial risk and strategy together with her work as a Registered Psychotherapist (Qualifying).
Steven Robin
Communication, facilitation and practical action
Steven helps translate complex decisions into clear conversations, shared understanding and concrete next steps for families.
Continue the conversation
Short guides for the discussions that matter
Five conversations to have before a crisisStart with values, support preferences, essential information, decision-makers and the way your family will handle disagreement.
- Begin with what matters most
- Name who should help and how decisions should be made
- Agree how your family will handle disagreement
When helping starts to feel like taking overNotice pressure, isolation, intimidation or loss of choice; respond privately and without taking over.
- Ask permission before offering advice
- Offer two workable choices
- Protect the person’s voice wherever possible
Preparing your family for a financial emergencyCreate a secure information map, not a pile of exposed passwords or private records.
- Create a secure map of where information is kept
- Name one trusted backup person
- Never record passwords or full account numbers here
Reducing financial fraud risk as we ageWatch for urgent, secret requests, impersonation and unusual payment methods; pause and verify independently.
- Pause unexpected requests
- Verify through a trusted phone number
- Tell someone before sending money
Talking about money without damaging relationshipsLead with the concern underneath your position and listen for the concern underneath theirs.
- Lead with the concern beneath your position
- Use one curious question
- End with one agreed next step
Your action plan
Leave with three clear commitments
One conversation
Name the person and the first question you want to ask.
One document
Choose one document to create, review or locate.
One next step
Pick an action you can complete within seven days.
Your answers stay on this device
Ontario resources
Start with trusted, official information
These resources are educational starting points. They are not a substitute for legal, financial, medical or emergency advice.
Ontario Powers of Attorney
Property and personal-care planning, plus a free kit.
Estate planning and wills
Ontario guidance on wills, estates and finding legal help.
Ontario elder-abuse information
Recognize abuse and find confidential support, safety planning and referrals.
Financial abuse of older adults
Government of Canada guidance on warning signs, rights and safeguards.
Canadian Anti-Fraud Centre
Recognize, reject and report fraud or identity theft.
Benefits Finder
Find federal benefits and financial support for seniors and caregivers.
Ontario seniors guide
Programs for finances, housing, health, caregiving and safety.
211 Ontario
Find local social services, programs and community supports.
Immediate danger: call 911. Ontario’s Seniors Safety Line offers free, confidential, 24/7 support at 1-866-299-1011. Report suspected fraud to local police and the Canadian Anti-Fraud Centre at 1-888-495-8501.
Take the next step
Keep the conversation moving
Use the printable action plan and preparedness checklist with your family, or invite WJ Wellness to facilitate this conversation for your group.
Questions
What hosts usually ask
Who is the Money, Family & Peace of Mind seminar for?
It is a practical, relationship-centred seminar for older adults, adult children, care partners, and community groups who want to prepare early, reduce avoidable risk, and have better family conversations.
Can a library, association, or family host this seminar?
Yes. There are no public tickets. Communities, libraries, associations, faith groups, and families request a hosted session. Send a short inquiry to discuss audience, format, language, and timing.
Is this financial advice or psychotherapy?
No. The seminar is educational and facilitative. It is not psychotherapy, financial planning, legal advice, or a substitute for individualized care.
How do we book a hosted seminar?
Use the hosting inquiry on this page or the workshops page. Yvonne will follow up about the group, language (English or Mandarin), and a suitable format.