Smartphones make it easier than ever to stay connected with family, manage finances, schedule medical appointments, and access emergency assistance. Unfortunately, they have also become a major target for scammers, identity thieves, and cybercriminals. Many seniors assume their phones are already secure, but a few overlooked settings can leave personal information exposed or make it easier for fraudsters to make contact. Here are five phone settings every senior should change ASAP to help protect their privacy, finances, and personal safety.