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EverSafe, based in Bethesda, Maryland, also looks for signs of erratic financial transactions, from unusual withdrawals to changes in spending patterns. While your bank may flag suspect

transactions with their own accounts, “they cannot protect money in a holistic way,” says Liz Loewy, EverSafe’s cofounder and chief operating officer. “My big bank cannot call over to my

investment firm even if they see irregular activity to say, 'What investment accounts does she have with you? What’s going there, is there anything irregular happening?’ Bank privacy

rules will not allow them to talk to one another.” Scammers rarely steal huge amounts from a single account, Loewy adds. Instead, they’ll typically start small and if successful will, over

time, pilfer larger amounts across accounts and institutions. EverSafe offers three subscription plans: The $7.49 per month “Essentials” package monitors savings and credit cards and

includes a scan of the dark web for suspicious activities. Stepping up to the $14.99 “Plus” plan adds identity theft monitoring, fraud remediation support and credit monitoring. And the

$24.99 “Gold” package lets subscribers monitor investment accounts, and detect elder fraud and any asset allocation changes. You can pay an extra $4.99 a month under any of the plans to

monitor real estate holdings for such things as title changes and lien filings. EverSafe also plans to add an optional bill pay service. WATCH HISTORICAL TRANSACTIONS As with Carefull,

EverSafe can send alerts to both the older adult and a team of folks chosen to keep watch on the person’s finances. “We will look at historical transactions — what’s regular for [you] and

what’s regular across accounts,” Loewy says. For example, you’ll get alerts if the amount on food changes or if a dormant credit card is suddenly used. Age is considered for alerts, too. At

35, people may still be partying and going to the ATM during the wee hours, she says. “Ten years later, 20 years later, that may not be normal for them anymore.” EverSafe promises to assist

customers when issues surface, whether it is a dark web alert or some other kind of scam. “We have lists, we have technology. We have folks who have cybersecurity backgrounds who can help

and not just say 'go to the bank, close the account, go get a lawyer,’ ” Loewy says. “I make it all about tech now because the truth is technology can see what the human eye misses.”

_Edward C. Baig is a contributing writer who covers technology and other consumer topics. He previously worked for _USA Today, BusinessWeek, U.S. News & World Report _and _Fortune_ and

is the author of _Macs for Dummies_ and the coauthor of _iPhone for Dummies_ and _iPad for Dummies.