As we age, protecting our financial well-being and planning for the future become increasingly important. Oakland offers a variety of resources to help older adults and their families avoid scams, safeguard assets, prepare important legal documents and make informed decisions about estate planning and long-term care. This page brings together trusted local programs, workshops, legal services and educational resources to support seniors in maintaining independence, security and peace of mind.
Learn about and take advantage of all the discounts available to all seniors, those with low incomes and/or are disabled:
SPARE program (Special Assessment Refund and Exemption)
You may be exempt from certain assessments that have been added to your property tax bill. Check it out at the city website below, and apply if you qualify. https://www.oaklandca.gov/My-Household/Property-Tax/SPARE-Start-Page
In addition, Oakland seniors can significantly reduce utility costs through income-qualified programs, though age-based senior discounts are generally not offered directly. Instead, utilities use income guidelines (e.g., CalFresh, Medi-Cal, or total household income limits) to provide reduced rates.
AARP provides significant discounts on insurance, retail and restaurant purchases, travel, entertainment and more. https://www.aarp.org
Legal Assistance for Seniors, providing
· Free or low-cost legal advice
· Estate planning guidance
· Powers of attorney and advance directives
· Elder abuse and financial exploitation help
· Medicare counseling (through HICAP)
· Educational workshops on scams and fraud prevention
Legal Assistance for Seniors
333 Hegenberger Road,
Suite 850 Oakland, CA 94621
Main Office: (510) 832-3040
HICAP Appointments: (510) 839-0393
CA Statewide HICAP Hotline: (800) 434-0222
las@lashicap.org
Alameda County Area Agency on Aging
· Legal aid
· Fraud prevention programs
· Caregiver support
· Benefits counseling
· Housing assistance
· Senior Information and Assistance line
800-510-2020/510-577-3530
https://socialservices.alamedacountyca.gov/contact-us/index
The California Office of Attorney General has excellent guides specifically about:
· Phone scams
· Contractor fraud
· Financial exploitation
· Identity theft
· Caregiver abuse
https://oag.ca.gov/consumers/general/seniors
United Seniors of Oakland and Alameda
· Digital literacy
· Housing support
· Community events (isolation is one of the biggest risk factors for scams and exploitation, so organizations like this can help seniors stay connected
https://www.usoac.org
The Consumer Financial Protection Bureau also has a page devoted to working with older adults with many resources for both seniors and caregivers.
https://www.consumerfinance.gov/consumer-tools/educator-tools/resources-for-older-adults/
Online/Zoom options
Senior Planet offers free online classes for older adults on”
· Estate planning basics
· Online safety
· Fraud prevention
· Technology skills https://seniorplanet.org/classes Hotline: 888-713-3495,
A 10 step checklist to ensure you’re prepared
1. Will or Living Trust
A will says who inherits assets and who handles your estate
A living trust can help avoid California probate, which can be expensive and slow. Many California homeowners benefit from a trust because of home values.
2. Durable Financial Power of Attorney
Allows a trusted person to do the following if you are unable to:
· Pay Bills
· Handle banking
· Manage taxes
· Deal with insurance
3. Advance Health Directive
Names someone to make medical decisions if needed and documents your wishes
4. HIPAA Authorization
Lets doctors speak with designated family or caregivers
5. Beneficiary Review
Have you designated beneficiaries on your accounts? Outdated beneficiaries are one of the most common estate problems. Make sure to check:
· Bank accounts
· Retirement accounts
· Investment accounts
· Life insurance
· Pensions
6. Property and Deed Protection
Keep copies of the following together in a safe place and share the location with your family/caregiver. Be especially cautious about reverse mortgage solicitations, “home equity” offers, contractors pushing for immediate signatures
· Deed/title
· Mortgage Records
· Insurance policies
7. Digital and Password Planning
Create a secure record of important accounts, passwords, recurring bills, phone/computer access
8. Scam Protection Steps
· Freeze credit if appropriate https://www.usa.gov/credit-freeze
· Use two-factor authentication
· Never wire money from unsolicited calls/texts
· Verify requests independently
· Have a trusted second reviewer for large financial decisions
9. Emergency Information Folder
Keep accessible:
· Medication list
· Doctors
· Insurance cards
· Legal documents
· Emergency contacts
10. Long Term Care Planning
Discuss with your family/loved ones/caregivers
· Home care preferences
· Assisted living
· Caregiving roles
· Medi-Cal planning questions