Senate Aging Panel Highlights the Importance of Financial Literacy

Published in RINewsToday on May 18, 2026

Chairman Rick Scott (R-FL) and Ranking Member Kirsten Gillibrand (D-NY) of the U.S. Senate Special Committee on Aging held a hearing last month called “Empowering Seniors Through Financial Literacy: Tools to Protect Savings, Prevent Fraud, and Promote Independence.” The hearing, held during National Financial Literacy Month, focused on the need for financial education and income security for older Americans.

The April 15 hearing lasted just over an hour and focused on improving financial and retirement security for older Americans. During his opening remarks, Sen. Scott announced the release of a bipartisan 2026 Financial Literacy Booklet to help older Americans spot and avoid scams.

At SH-216, the Senate Aging Committee confirmed its continued work to protect older adults from financial exploitation and built on earlier efforts, such as the 2025 Fraud Report.

New Resource for a Secure Retirement

The new 39-page bipartisan booklet, Guarding Your Nest Egg: A Financial Resource for Older Adults, helps older Americans manage their finances, protect themselves from fraud and scams, and plan for a secure retirement.

As Sen. Scott noted: “For so many Americans, especially our seniors, it’s hard to find the information,” Sen. Scott said in his opening statement. “And when you do find it, it’s often incredibly complicated. As a country, we have done a poor job of ensuring people know their options and what route will work best for their needs.”

Sen. Scott says financial literacy is one of the most powerful and most underused tools to protect older Americans. “When they understand how their benefits work, they make better decisions,” he says.

“When they know how to read a financial statement and recognize bad actors, they’re harder to deceive. When they understand the difference between a legitimate investment and a pitch that’s too good to be true, they protect themselves. And when they know where to turn for trusted help, they realize they are not navigating this alone,” said the Florida Senator.

Finally, Sen. Scott added, “The best part is that this doesn’t require a new government program or more federal bureaucracy.” He stressed that the solution is not more federal spending, but “clear information, trusted messengers, and a commitment to getting that information into people’s hands.”

The Senate Aging Committee’s new booklet helps readers make smart retirement and financial decisions. It covers an array of topics, including Social Security, Medicare, housing, charitable giving, disaster preparedness, and even planning for unexpected events. Throughout its pages, practical advice is given to help older adults protect their savings and avoid fraud and scams.

Sen. Gillibrand, in her opening remarks, noted that over 11,000 Americans turn 65 every day. Longer lifespans mean more years in retirement, so careful retirement planning is needed, she says, stressing that aging populations put pressure on budgets and healthcare programs at all levels.

The New York Senator mentioned a recent statement by President Donald J. Trump, who suggested that Medicare and Medicaid should be managed by states rather than the federal government. She countered that comment, noting that since Medicare and Medicaid were enacted in 1965, older Americans have come to rely on these federal programs and expect them to be in place when needed.

Sen. Gillibrand pointed out that the Centers for Disease Control and Prevention data show about 44% of adults over 65 have a disability. Many people don’t see themselves in these statistics, and some find it difficult to plan to take care of a child or adult with special needs. Even when people set financial goals and save, unexpected events can still occur, she says.

Expert Witnesses disclose Insights on Financial Literacy

The Senate Aging Panel brought four expert witnesses from the Financial Industry Regulatory Authority (FINRA), the American Bankers Association Foundation, AARP, and the financial planning community to testify at the hearing. These witnesses stressed the value of financial literacy and highlighted the growing complexity of fraud schemes. They also called for a coordinated approach that leverages education, training, partnerships, and legislation to protect older Americans’ finances.

“For older Americans, financial literacy is not a luxury; it is key for building wealth, protecting savings and preserving autonomy,” says Christine Kieffer, Interim President of the FINRA Investor Education Foundation. Kieffer explained that financial literacy helps manage financial difficulties, but it is not enough to prevent scams. It should be combined with awareness of scams, an understanding of persuasion tactics, and a coordinated approach to ensure real protection.

Sam Kunjukunju, Vice President of Consumer Education at the American Bankers Association Foundation, suggested banks protect and educate older consumers, train bankers, work with law enforcement and adult protective services, and use technology. He also called for a nationwide education campaign and federal laws allowing banks to delay suspicious transactions.

From large banks to small community banks, these financial institutions offer fraud prevention workshops, online banking training, and financial wellness seminars, and coordinate outreach efforts with community organizations, says Kunjukunju, citing several examples.

Carly Roszkowski, AARP’s Vice President of Financial Resilience Programming, shared that 64% of adults worry about having enough money to retire, and nearly one in five non-retirees have no retirement savings. She discussed the real financial challenges older adults face.

AARP provides practical, easy-to-use digital tools (calculators, guides, and other resources) that enable older adults to make informed decisions about their financial future, thereby strengthening their long-term retirement security, says Roszkowski.

“The retirement system now shifts risk to the individuals, but education and support never caught up,” said Roszkowski in her testimony, explaining that the U.S. retirement system now places primary responsibility on individuals to manage savings, investing, and turning those savings into lifelong income.

“Financial literacy works – but only when it’s practical, sustained, timely, and paired with decision support,” adds Roszkowski.

Furthermore, Roszkowski argued that since individuals now bear more risk, financial literacy should be taught throughout one’s life. This approach should cover complex decisions that must be made in later years, as well as fraud risks, drawing on trusted, accessible sources.

In his testimony, Scott Kahan, a certified financial planner, also shared his experience navigating Medicare at age 65, even after 40 years in finance, to illustrate how complex it can be.

“Many people don’t use a financial planner for retirement planning. They might think they don’t have enough money or believe free help online is enough,” says Kahan, warning that this belief is often wrong and misleading.

Getting help from skilled, ethical financial planners like CFPs is essential and should not be considered a luxury, Kahan states, describing this assistance as a lifeline for managing financial complexity and avoiding fraud.

At this hearing, the expert witnesses said that today’s scams are sophisticated schemes that use Artificial Intelligence, voice cloning, and psychological manipulation. They also pointed out how hard it is to make wise choices about when to take Social Security, enroll in Medicare, and manage savings, especially when information is complex, hidden, and difficult to find on government websites, or even biased.

The witnesses also called on banks, government, regulators, nonprofits, and law enforcement to work together to help older Americans make better financial decisions and avoid scams. They often said that information and warnings should come from trusted sources such as family, bankers, financial planners, or groups like AARP.

 A Final Note…

Hopefully, the testimony at the Senate Aging Committee hearing will push Congress to move quickly to establish a “uniform national framework” that eliminates inconsistencies among state laws and better protects older Americans from today’s increasingly sophisticated fraud and scams. Possible steps include a federal “safe harbor” law allowing banks to delay disbursements or temporarily hold transactions when fraud is suspected, the creation of new task forces focused on combating elder fraud, and increased funding for national financial literacy campaigns.

The witnesses’ testimony about scams and complex systems may prompt federal agencies, such as the Securities and Exchange Commission, the Social Security Administration, and the Centers for Medicare & Medicaid Services, to make their communications and processes easier for older adults to access.

To watch the April 15 Senate Aging Committee Hearing, go to Empowering Seniors through Financial Literacy: Tools to Protect Savings, Prevent Fraud, and Promote Independence | United States Senate Special Committee on Aging

Download/read the “Guarding Your Nest Egg, a Financial Resource Guide for Older Adults:   https://www.aging.senate.gov/imo/media/doc/guarding_your_nest_egg_a_financial_resource_guide_for_older_adults.pdf

Weiss Words: A Retrospective Look at Commencement Speech Advice

Published in RINewsToday on May 11, 2026

With the arrival of spring and college graduation season, I am returning to a personal tradition. Once again, it is time for me to pen my annual commencement-style commentary saluting the more than 12,000 graduates receiving Bachelor’s degrees in 2026 from Rhode Island’s 12 accredited colleges and universities. Through this weekly commentary, I aim to provide these seniors with a unique roadmap for achieving both personal fulfillment and professional success.

Throughout May and June, these robed graduates will hopefully listen intently to commencement addresses—typically over 12 minutes in length (around 1,400 words). The speakers, who include lawmakers, judges, media personalities, and even CEOs, offer their personal observations and advice to guide the next generation.

Some of this year’s confirmed speakers include:

·         Ashley Judd (Actress and activist) at New England Institute of Technology, May 3;

·         Matthew Slater (Former New England Patriots captain) at Providence College, May 17;

·         Marc Randolph (Netflix co-founder) at the University of Rhode Island, May 15;

·         Ray Suarez (Journalist and author) at Salve Regina University, May 17;

·         Julie Mehretu (Artist) at Rhode Island School of Design, May 30;

·         Amy C. Edmondson (Harvard Business School professor) at Bryant University, May 16;

·         Dan Barry (Pulitzer Prize-winning journalist) at CCRI, May 12.

Brown University, unlike any other Ivy League institution or Rhode Island college, designates a graduating senior as its commencement speaker rather than inviting an outside dignitary.

Reflecting on the evolution of my addresses across the years helps, I provide you with a sampling, with advice that might just be valuable for this year’s graduates.

This year’s commencement speech offers a sampling of advice from previous graduating classes, drawing on reflections from earlier addresses. Though delivered in different moments, many of the themes remain relevant today, highlighting enduring lessons on growth, resilience, and purpose that may still benefit the 2026 graduates as they move forward.

Since 2008, I have written 12 commencement commentaries designed to prepare new graduates for the road ahead. I drew on AI, Stoicism, real-life experiences, and advice from Rhode Island authors to inspire seniors.

From 2014 to 2017, I shared insights from 53 everyday Rhode Islanders in my speeches, reminding graduates that valuable lessons often come from people in their own communities, not just high-profile speakers.

These individuals were everyday Rhode Islanders whose practical advice stemmed from lived experience. The core message: real-life experience is as valuable as prestige. Here is a sampling of their observations from my speeches:

Joan Retsinas, a Providence writer, offered her thoughts to the graduating seniors in 2014.  “Savor, savor, savor.  Savor the sunshine and the rain. Savor your friends, your family, your colleagues. Nurture the people close to you. Be a friend. Fall in love. If you fall out of love, fall in love again. Read “Winnie the Pooh” to a child. Eat ice cream. Ride a bike. Swim in the ocean. Laugh. As for fame, fortune, and success, don’t fret. They don’t really matter,” she says.

Wendy Jencks, Cumberland, Visitor Center Manager at the Blackstone Valley Visitor Center, gave this advice in my 2014 commencement speech: “There may be a time in young people’s lives when they are nervous to take a risk. Don’t be afraid to take a chance. If an opportunity or life experience arises and you want it, take it, even if it is unconventional. You may not get another opportunity again.”

Your first job is not necessarily your dream job,” says Jencks, 61. “You may discover your dream career outside your field of study. Don’t confine yourself to expectations.

Listen to their advice.

Carol Conley, assistant to the executive director of the Rhode Island Film Office, stressed, “Be grateful.” Be kind. Karma is a real thing. Give to others what you would like to receive, and it will eventually come back to you. Wait for it: trust the universe’s timing. Challenge yourself. Conquer your fears. Never, ever give up.

In my 2015 commencement speech, Kathy Needham, Rumford, Controller, of Blackstone Valley Call & Times, suggested: “Follow the old adage, ‘Autograph your work with excellence, it is a signature of who you are.”  Take great pride in all you do, but always remember to be humble.”

Cheryl Babiec, Pawtucket, Pawtucket School Teacher, gave her thoughts to the graduating seniors that year. “As an old saying goes…’One Man’s Junk is Another Man’s Treasure continues to hold true over the test of time. One of my year sale finds had the following inspirational verse (though the author is unknown): Life is not measured by the number of breaths we take, but by the number of moments that take our breath away.’

Wayne Rosenberg, Providence real estate broker and construction manager, advised the graduating seniors in 2016: “Most college degrees are not going to be your ticket to financial freedom. The most important challenge you will face is finding meaningful work. You must realize that no one can do this for you but yourself. Take charge. If you cannot find employment, consider being your own boss and employ yourself.”

In 2017, Nora Hall, North Kingston, freelance writer, recommended: “Empathy may be the most important life skill you can develop. It enables you to ‘put yourself in another’s shoes’ and makes you a great leader.”

And Susan Sweet, Rumford, former associate director at the RI Dept. of Elderly Afrairs and social advocate, added: “Make your own trail and avoid the well-worn path. Find interests and passions and live them. Create purpose in your life. Do something good, something useful in your life. Contribute to the happiness and well-being of other beings. Let Death be your advisor.”

In 2018, members of the Association of Rhode Island Authors offered advice on aging gracefully in a very challenging, constantly changing world.

Victoria Corliss of Cumberland, author of three books, shared this with graduates: “Sometimes, when you think things are falling apart, they’re really just falling into place. So, in times of chaos—which will come—take a deep breath, step back, and be still; it helps you see things more clearly. Here’s another piece of advice: ‘It’s not what happens to you that matters most, but how you react to it.’ Taking things in stride is a lifelong skill.”

Throughout these speeches, seniors were urged to be adaptable in an ever-changing world. Flexibility and ongoing learning will help you weather recessions, job market shifts, or AI disruption.

Glede Browne Kabongo, author and marketing consultant living in North Attleboro, Massachusetts, gave her two cents: “If you live for the approval of others, you will die by their criticism. Take your time and figure out who you are and what you want in life. It’s OK if it takes you a while; the journey is as important as the destination. You will have many failures and make many mistakes. Don’t hide from them. It’s part of your journey. Be kind to yourself and others. Kindness is powerful and can change the world.”

Continuing this pattern, the 2022 commencement speech integrated the themes of resilience, social connection, and lifelong learning and emphasized their importance in successfully navigating your life’s path. It also reaffirmed the central idea that aging is not something to be feared, but embraced as an ongoing process of growth.

Looking ahead to 2024, my commencement speech offered advice to the graduating seniors, drawing on stoicism, a school of Hellenistic philosophy that thrived in Ancient Greece and Rome. Five quoted philosophers encourage alignment with values to find a meaningful purpose in life, maintain inner peace, and appreciate the beauty and wonders of the world.

Seneca the Younger, who lived in the 1st Century CE, said: “True happiness is to enjoy the present, without anxious dependence upon the future.” Don’t be consumed by worry and anxiety about the future obstacles you may face, because in all probability the problems will never happen,” he said.

Great advice for graduating seniors from the Roman Stoic philosopher, statesman, and playwright who lived almost 2,000 years ago.

The 2025 speech offered fresh advice: I drew on artificial intelligence and collective wisdom, referencing 64 cards with personal growth principles designed by Hypnotist John Koening. Eight cards, chosen at random, provided valuable lessons for the 2025 graduates, each of which is explored in this commentary.

Taken together, these reflections show that even as life changes, many of its core challenges and opportunities stay familiar. My hope is that something in these words speaks to you—and that you carry it with you as you move into whatever comes next.

___

A complete listing of Herb Weiss’s Commencement Speeches:

“Unlocking Life’s Lessons: A Commencement Message Drawn from the Cards,” May 19, 2025 — https://rinewstoday.com/unlocking-lifes-lessons-a-commencement-message-drawn-from-the-cards-herb-weiss/?utm_source=chatgpt.com

Stoic Tips for the Class of 2024,” May  27, 2024 —   https://herbweiss.blog/2024/05/27/stoic-tips-for-the-class-of-2024/

“Can AI Create an Authentic’ Commencement Address?,” May 15, 2023 https://rinewstoday.com/can-ai-create-an-authentic-commencement-address-herb-weiss/?utm_source=chatgpt.com

“To the Class of 2022: Age Boldly, Enjoy Your Journey,” May 16, 2022 —  https://rinewstoday.com/to-the-class-of-2022-age-boldly-enjoy-your-journey-herb-weiss/?utm_source=chatgpt.com

“Some Tips to College Seniors,” June 2, 2019 — https://herbweiss.blog/2019/06/02/some-tips-to-college-seniors/

Rhode Islanders Give Tips to Graduates,” May 14, 2017 —https://herbweiss.blog/2017/05/14/rhode-islanders-give-tips-to-graduates/

“Regular Folks Give Sound Advice to Class of 2016 for Future Success,” June 6, 2016 — https://herbweiss.blog/2016/06/06/regular-folks-give-sound-advice-to-class-of-2016-for-future-success/

“Sensible Advice from Seasoned Folk to the Class of 2015,” May 17, 2015 —https://www.golocalprov.com/news/weiss-sensible-advice-from-seasoned-folk-to-the-class-of-2015?utm_source=chatgpt.com2016-for-

“Regular Folks Give Advice to Graduates,” June 1, 2014 —https://www.golocalprov.com/lifestyle/Regular-Folks-Give-Advice-to-Graduates?utm_source=chatgpt.com

“Here’s My Advice to the Graduating Class of 2013,” May 31, 2013– https://herbweiss.blog/2013/05/31/heres-my-advice-to-the-graduating-class-of-2013/

“A Commencement Speech for the Graduates of 2012,” May 4, 2012 — https://herbweiss.blog/2012/05/04/a-commencement-speech-for-the-graduates-of-2012-5-2/

“Your Later Years: A Commencement Speech for Graduates of 2008,” June 13,  2008 —  Your Later Years: A Commencement Speech for the Graduates of 2008

National Primary Care Coalition Takes on America’s Broken Healthcare System

Published in RINewsToday on May 4, 2026

In 2023, Primary Care for All Americans (PC4AA) was launched as a national initiative to raise primary care as a public policy priority and advocate for payment reform to promote universal access to high-quality primary care. Primary care physician and former Rhode Island Health Director Dr. Michael Fine is the driving force and co-founder of PC4AA. He is also the author of several books, including “Healthcare Revolt” and “On Medicine as Colonialism.”

When asked why PC4AA was needed, Dr. Fine responded:  “ We wondered about that ourselves.  Physician groups tend to focus on pocketbook issues.  Public health folks focus on health outcomes.  But no one was putting it all together.  And no one was specifically involving communities or showing them how they could provide primary care to everyone, in part because primary care is so affordable,” he said.

Dr. Fine explains the organization’s focus, stating: “Our mission is very clear. We exist to help communities figure out how to provide primary care to everyone, learning from the experience we gained in Scituate, Rhode Island.” In Scituate, the community locally funded a voucher program that successfully provided primary care to all uninsured residents for over two decades. “It’s the only place that we know of that assures everyone has access to primary medical and dental care,” he says, highlighting a replicable model.

Dr. Fine maintains that comprehensive primary care is a surprisingly affordable essential service, with its per-person cost comparable to municipal services such as police, fire, and road maintenance.

PC4AA’s influence and policy impact derive from the scale of its collaboration rather than from formal enrollment numbers alone. By uniting primary care physicians, health policy experts, patient advocates, academic leaders, and public health professionals, the coalition helps build nationwide consensus for health care reform—especially in making primary care accessible to all Americans, says Dr. Fine.

The coalition’s community-building efforts are apparent in its active workgroups. “We have over a thousand people in local or state workgroups who clicked ‘Join Us’ on our website, and they participate in some way,” says Dr. Fine. He further stresses that their growth is tracked by the number of these workgroups joining monthly online meetings and through the passage of primary care legislation at the state level.

Dr. Fine notes that the difficulty of accessing primary care inspired the creation of PC4AA. He notes that primary care uniquely improves public health while reducing costs, and that an adequate number of primary care doctors is essential to making healthcare affordable.

According to Dr. Fine, less than 43 percent of Americans have meaningful primary care relationships, a figure that is falling as fewer medical students choose primary care. Internationally, effective, affordable health care systems have at least 50 percent of physicians in primary care, he says.

Responding to these primary care workforce trends, PC4AA’s top priority is to expand access to primary care nationwide. “We need  thousands of new primary care clinicians,” says Dr. Fine, explaining that this can be accomplished by establishing new medical and physician assistant schools and by increasing residency programs.

PC4AA also advocates for reducing primary care doctors’ workloads, eliminating preauthorization and cutting administrative duties, and improving reimbursement. Although accounting for less than 4 percent of health spending, primary care accounts for half of all patient visits, costing about $575 per person annually, out of an average total of $15,000.

Having operated for over three years Dr. Fine acknowledges a major challenge the group faces: a “feeling of impotence.” Although healthcare may seem “too big and scary for some” and many believe that “only the big guys can fix it,” Dr. Fine insists that the power to make systemic changes actually lies with communities. He points out, “Look at how Newport fought successfully to keep their birthing center open, or what Scituate did.”

While these may be viewed like temporary strategic challenges, Dr. Fine reframes these obstacles as chances for growth and community empowerment.

Fine argues that fixing the healthcare system requires a broad-based social movement, similar to past movements for abolition and suffrage, to restore community agency and build a system that serves people ahead of profit.

Communities can take forward-thinking actions to solve their own healthcare problems, says Dr. Fine, by creating local primary care reports, passing city council resolutions, and building scholarship programs to grow their own healthcare workforce.

“Get started, have a conversation, understand that you can do this because you can,” states Fine. He challenges readers to actively join the movement—by connecting with local efforts, attending on-line meetings, and spreading the message in their communities. “Take concrete steps, unite others, and turn awareness into real progress. Together, we can build the future of primary care from the ground up.”

PC4AA Welcomes First Executive Director

According to its March 31 newsletter, PC4AA announced the hiring of Neda Ashtari, MD, MPP, as its first Executive Director.  This appointment arrives at a time when the nation is fiercely debating how to expand access to health care and reduce spiraling costs.

 In the newsletter, PC4AA writes: “Dr. Ashtari brings to PC4AA something rare and deeply needed—a combination of lived experience, clinical insight, policy expertise, and movement-building leadership. As a physician serving in the safety net in Los Angeles during residency, she cared for patients managing a broken system where access too often depended on income and coverage status. She watched as patients were lost in the system due to insurance gaps or delayed medical care because of costs. These were not abstract policies; they were daily realities.”

 The newsletter also highlights Dr. Ashtari’s own perspective: “I keep coming back to a simple conclusion,” she writes. “Lasting reform starts with universal access to primary care.” It notes that this conviction has guided her work for more than a decade across organizing, policy, and clinical care.

PC4AA further points out in the newsletter that Dr. Ashtari has led national advocacy campaigns, including the American Medical Student Association’s Lower Drug Prices Now initiative, coordinating organizing efforts across more than 30 chapters nationwide. Through her leadership with Universities Allied for Essential Medicines, she helped build coalitions that expanded access to lifesaving medications globally—work recognized in the documentary White Coat Rebels.

The newsletter emphasizes that she co-founded Protect US, a public health nonprofit focused on expanding access, strengthening public health infrastructure, and combating misinformation. After serving as Associate Director of Health Policy at the Center for American Progress, Dr. Ashtari recently assumed a new role as Director of Federal Affairs at the American Medical Association, where she advocates on behalf of clinicians and patients on Medicare Advantage policy.

Looking forward, Dr. Ashtari outlines her vision for the role in the newsletter: “As PC4AA’s Executive Director, I will work to translate the organization’s grassroots energy into a durable national movement—one capable of changing how primary care is valued, funded, and delivered across the country.”

The newsletter closes by emphasizing a consistent theme across her work: Dr. Ashtari is “not only a thinker, but a builder,” noting that she understands policy alone is not enough—lasting change requires organizing and translating values into durable systems that people can rely on.

 Mark Your Calendar

The organization is convening the “Health Care Renaissance Summit,” its inaugural gathering to build a coordinated national movement for primary care reform.  The summit, scheduled for May 20, 2026, at the Le Méridien Hotel in Cambridge, MA, brings together an eclectic group of stakeholders—including clinicians, community organizers, medical students, policymakers, and advocates—reflecting PC4AA’s strategy of linking grassroots organizing with policy change.

“According to PC4AA, this one-day national summit is designed to be interactive and results-driven. The event features keynote speaker Dr. Jonathan Fitzsimons—a family physician and Medical Lead of the Renfrew County Virtual Triage and Assessment Centre—along with talks from national leaders, skill-building workshops, and “table talks.” These joint sessions allow participants to share strategies and unique experiences. Core discussions focus on practical approaches, such as advancing local policy resolutions, launching student-driven initiatives, and strengthening state- and community-based coalitions.”

Organizers hope attendees leave the summit with practical tools for local organizing and real-world examples to bring home to their communities. The event connects people to a national support network and advances PC4AA’s mission to expand primary care access through community-led work that creates lasting change.

Ticket Pricing is $50 for students and $250 for general admission. Register now at https://pc4aasummit.netlify.app/# to be part of this movement for healthcare reform and help drive change in primary care in your community.

Summit sponsors include: New Bedford Community Health (New Bedford, Massachusetts); City of Pawtucket (Pawtucket, Rhode Island); Tufts University School of Medicine, Department of Family Medicine; The Meyers-Keller Fund for Good Works (Denver, Colorado); Elation Health (San Francisco, California); and Michael Kaplan, MD(Lenox, Massachusetts).

To visit PC4AA’s website, go to https://primarycareforallamericans.org/

Listen to Dave Chase’s Relocalizing Health podcast interview with Dr. Michael Fine, “How Primary Care and Community Agency Can Transform Healthcare from Extraction to Empowerment,” at: https://relocalizinghealth.com/episode/how-primary-care-and-community-agency-can-transform-healthcare-from-extraction-to-empowerment