Brain Health and Financial Planning

Supporting financial well-being across generations

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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.

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Connecting Brain Health and Financial Planning

Brain health plays a critical role in how families plan, manage and transfer wealth. Changes in cognition can affect financial decision-making long before a diagnosis. Raymond James helps families protect independence, reduce uncertainty, and preserve legacy as needs evolve.
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What is Brain Health?

Brain health affects thinking, memory, judgment, and well-being throughout life. Shaped by health, sleep, stress, and social connection, it changes over time. Because financial decisions rely on cognition, money management is often among the first areas affected.
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How cognitive change ripples through family finances.
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As life expectancy continues to rise, people are living longer and more fulfilling lives.
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Guiding families and caregivers through wealth transfer

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

The best planning happens before cognitive decline.

  • Capacity and financial decisions
  • Estate and succession strategies
  • Caregiving roles, expectations, and costs

Start the conversation.

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

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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.
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This partnership strengthens how we support clients seeking more than financial management. Raymond James advisors gain access to Baycrest’s excellence in cognitive neuroscience, adding confidence to complex conversations on health, caregiving, and capacity.
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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.

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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