My Advice to Seniors: Never Sign Anything!

It seems that some of these things might be scams to steal money from Seniors Citizens who aren't alert.

While their promoters paint the "free lunch" seminars as educational
sessions, sometimes promising that nothing will be sold, "they are designed to
sell -- either at the seminar itself or later," said Lori Richards, director of
the SEC's Office of Compliance Inspections and Examinations. "They're not
educational events."

The investigation conducted by the SEC, state regulators and FINRA
found the use of scare tactics to get seniors to question their current
investments, claims of fantastic returns with no risk, and "ringers" in the
audience who would stand up and offer testimonials of how much they had
earned.

If I was a senior citizen I would go to these things eat the free lunch and breakfast and tell anyone with a sales pitch to go to hell. It seems like an easy way to eat for free if you simply ignore what is being said (or take a nap) and wait for the victuals to show up.

You could even have fun stringing these shysters along by telling them you have millions of dollars in 30 year bonds that you want to invest. Then you have the guy bend over backwards to satisfy his greed. After several months of stringing the guy along you just say you decided to go with Charles Schwab instead since they gave you a free mug when you sign up for an account.