Brain Health and Financial Planning

Supporting financial well-being across generations

Partnering with Baycrest Foundation to connect leading brain health research with thoughtful financial planning —helping Canadian families protect cognitive well-being, wealth and legacy across generations.

Connecting Brain Health and Financial Planning

Brain health plays a critical yet often overlooked role in how families plan, manage, and transfer wealth over time. Changes in cognition can affect judgment, confidence, and financial decision-making long before a diagnosis occurs. By integrating brain health into financial planning, Raymond James helps families protect independence, reduce uncertainty, and preserve legacy—even as needs evolve.

What is Brain Health?

Brain health refers to how well the brain supports thinking, memory, learning, movement, judgment, and emotional well-being across your entire life. It is shaped by factors such as health, sleep, stress, physical activity, social connection, and environment—and it can change gradually over time.

Because managing money relies heavily on memory, attention, and executive function, financial tasks are often among the first areas affected when cognitive capacity is strained.

Guiding Families and Caregivers Through Wealth Transfer

The best planning happens before cognitive decline.

With Baycrest’s worldclass expertise in brain health and aging, Raymond James advisors are helping families start important conversations early—bringing together parents, adult children, and caregivers to align on:

  • Capacity and financial decision-making
  • Estate and succession strategies
  • Caregiving roles, expectations, and suggested costs

Inspired by Baycrest research, Raymond James developed a practical, care first framework to support informed financial decisions at every stage.

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Start the Conversation. Plan With Perspective

Speak with a Raymond James advisor about planning for longevity, brain health, and intergenerational wealth transfer.

Partnership-Led Education and Resources

We are proud to reaffirm our long‑standing partnership with Baycrest Foundation as a Baycrest Impact Partner—supporting one of the world’s leading organizations in aging, brain health, and dementia.

This partnership strengthens how we support clients seeking more than financial management. Raymond James advisors have access to Baycrest’s evidence-based research and insights—enhancing confidence, sensitivity, and credibility in complex planning conversations involving brain health, caregiving, and capacity.

Together, we share a commitment to helping Canadians build and protect their financial well being across generations.
Learn about the partnership

Did you know?

Cognitive changes develop slowly and may show up in how one manages money or maintains self-care.
Caregiving responsibilities can reshape finances, careers, and family dynamics across generations.
Planning early supports better decisions around powers of attorney, care funding, and estate outcomes.
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Raymond James Ltd. is regulated by the Canadian Investment Regulatory Organization ("CIRO") and is a Member of the Canadian Investor Protection Fund. 3Macs, MacDougall, MacDougall & MacTier and Raymond James Correspondent Services are divisions of Raymond James Ltd. Raymond James Ltd. is an integrated financial services firm. Its subsidiaries, Raymond James Investment Counsel Ltd., Raymond James Financial Planning Ltd. and Raymond James (USA) Ltd. are not regulated by CIRO and are not Members of the Canadian Investor Protection Fund. Raymond James Ltd.’s trust services are offered by Solus Trust Company ("STC”). STC is an affiliate of Raymond James Ltd. and provides trust services across Canada. STC is not a Member of the Canadian Investor Protection Fund. Please consult each subsidiary’s webpages for applicable corporate, regulatory or membership information.

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