NCOA Connect

Financial Well-Being & Income Sufficiency Among Older Americans - Part 1

Many Americans are finding it harder than ever to make ends meet. The Consumer Financial Protection Bureau (CFPB), recognizes that older adults, particularly those of color, have experienced physical, social, and financial effects of the COVID-19 pandemic at a greater rate than the rest of the population. This webinar, as a part of a two-part series, will examine how to better understand, reach, and serve older adults with incomes “above but near” the poverty line (defined as 100-200% of FPL) who often report worse financial struggles than older adults with incomes below the poverty line before and after the pandemic. This webinar will focus on insights from experts in the field of economic and financial mobility, the impact of a more modernized approach to measuring income adequacy, and building the capacity of our network to reach the communities most impacted by poverty as they age.  

Moderator: Vivian Nava-Schellinger, Director, Community Partnerships & Network Activation, National Council on Aging

Introduction: Ramsey Alwin, President and CEO, National Council on Aging, Deborah Royster, Assistant Director, Office for Older Americans, Consumer Financial Protection Bureau (CFPB) and Latrice Williams, Director of Membership and Communications, Grantmakers in Aging

Panelists:

  1. Hector Ortiz, Senior Policy Analyst, Consumer Financial Protection Bureau (CFPB)
  2. Jan Mutchler, PhD., Director, Gerontology Institute, Center for Social and Demographic Research on Aging, McCormack Graduate School
  3. Anne Posner, Program Officer, RRF Foundation for Aging 


Webinar provided in partnership by:

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Ramsey Alwin

President & CEO

National Council on Aging

As President and CEO of the National Council on Aging, Ramsey Alwin is leading a nationwide movement to ensure equitable aging for every American. 

Building on NCOA’s 70 years of service and advocacy for older adults, Alwin is renewing the organization’s commitment to improving the lives of millions, especially those who are struggling. She is sparking critical conversations about the resources every American deserves to age well—and what needs to change to ensure all have access.

A seasoned thought leader and policy advocate, Alwin has changed the way people think about older adult poverty and economic security. She designed a new measure of economic security for older adults that better accounts for out-of-pocket health costs and worked to introduce the Measuring American Poverty Act in Congress to redefine the federal poverty measure for the older population. Thanks to Alwin’s efforts, the U.S. Census Bureau formally implemented the Supplemental Poverty Measure nationwide, virtually doubling the elder poverty count and better demonstrating true needs among this population. 

Prior to leading NCOA, Alwin directed financial resilience global thought leadership at AARP and served as Director of National Economic Security Programs at Wider Opportunities for Women. Currently, she serves on the Executive Committee of the UN NGO Committee on Aging, the America250 Health and Wellness Advisory Council, and the National Academy of Social Insurance Finance Committee.


Deborah Royster

Assistant Director, Office for Older Americans

Consumer Financial Protection Bureau (CFPB)

Deborah M. Royster serves as Assistant Director, Office for Older Americans, at the U.S. Consumer Financial Protection Bureau ("the Bureau"). In this role, Ms. Royster leads a team of talented, mission-driven professionals to advance the mission of the Office for Older Americans to help protect older consumers across the nation from financial harm, and to help older consumers make sound decisions as they grow older. 

Prior to joining the Office for Older Americans, Ms. Royster served as Chief Executive Officer of Seabury Resources for Aging, where she led a team of approximately 125 employees to execute Seabury's nonprofit mission to provide comprehensive social support services, including affordable housing, transportation, case management, and nutrition services, to more thank 15,000 older adults and family caregivers in the Washington, D.C. metropolitan region. 

In her professional career, Ms. Royster has served in senior legal and executive management positions in private, nonprofit, and government sectors, focusing on consumer-oriented issues, including health and aging services, telecommunications, and public utilities. As Regional Counsel and Vice President, Government Relations, of Kaiser Foundation Health Plan of the Mid-Atlantic States, Inc., Ms. Royster led the Kaiser Permanente Mid-Atlantic region's efforts to provide access to affordable health coverage for small businesses, individuals, and families. As Senior Vice President, General Counsel and Secretary of RCN Corporation, Ms. Royster led RCN's efforts to bring competitive broadband services to consumers in major U.S. markets. In addition, as Deputy General Counsel of Pepco Holdings, Inc., Ms. Royster managed regulatory issues affecting consumers in the District of Columbia, Maryland, and Delaware. 

Immediately prior to joining Seabury Resources for Aging, she served as General Counsel to the District of Columbia Department of Aging and Community Living. In that role, she served as Chair of the agency's Elder Abuse Prevention Committee, and she also led the agency's efforts to implement strategies to implement community services programming focusing on elder abuse prevention and awareness, including financial exploitation. 

Ms. Royster's professional career also includes and extensive record of civic involvement serving as a member of the governing board of nonprofit organizations, including the American Society on Aging; Leading Age; Montgomery County (MD) Commission on Aging; Forest Hills DC; Center for Nonprofit Advancement; and St. Ann's Center for Children, Youth, and Families. She is also a member of the Patuxent River (MD) Chapter of The Links, Incorporated. 

Ms. Royster received a Bachelor of Science degree, magna cum laude, from the University of Maryland, College Park. She is also a graduate of the University of Virginia School of Law. She is a member of the Bar of the District of Columbia. 

Latrice Williams

Director of Membership and Communications

Grantmakers in Aging

Latrice Felder Williams is the Director of Membership and Communications with Grantmakers In Aging. She has an extensive background in community relations, media relations, strategic planning, campaign management, and event coordination with non-profits and associations. She has coordinated member relations and volunteer retention efforts and secured sponsorship opportunities for various programs. Prior to her role at GIA, Latrice headed the Marketing Communications department for the National Association of Campus Activities. In her most recent role, she served as Public Information and Program Manager for the South Carolina Heart Gallery, a program and community exhibit program created to find permanent homes for children in foster care. 


Hector Ortiz

Senior Policy Analyst, Gerontology Institute, Center for Social and Demographic Research on Aging, McCormack Graduate School

The University of Arizona

Hector L. Ortiz, Ph.D. is Senior Policy Analyst at the Consumer Financial Protection Bureau’s Office for Older Americans where he leads research projects on financial literacy and well-being, retirement security, and elder financial exploitation.  Recently, Dr. Ortiz provided technical advice and expertise to the U.S. Senate Special Committee on Aging on these topics. Prior to joining the CFPB, he worked at the National Council on Aging, where he managed research and program evaluation on benefits access and economic security initiatives for low-income older adults. Dr. Ortiz is a graduate of the Maxwell School of Citizenship and Public Affairs of Syracuse University.

This presentation is being made by a Consumer Financial Protection Bureau representative on behalf of the Bureau.  It does not constitute legal interpretation, guidance or advice of the Consumer Financial Protection Bureau.  Any opinions or views stated by the presenter are the presenter’s own and may not represent the Bureau’s views.

Jan E. Mutchler, PhD

Director of the Gerontology Institute

McCormack Graduate School of Policy and Global Studies, University of Massachusetts Boston

Jan is Professor of Gerontology and Director of the Gerontology Institute in the McCormack Graduate School of Policy and Global Studies at the University of Massachusetts Boston. Her team produces and distributes the Elder Index, a cost-of-living measure for older adults in every county throughout the U.S. 

Professor Mutchler conducts research on socioeconomic, cultural, and family-based factors as they relate to outcomes central to well-being in later life, including health, financial well-being, and family relationships. She is a Fellow of the Gerontological Society of America (Behavioral and Social Sciences Section) and serves on the editorial boards of the Journal of Aging & Social Policy and Research on Aging. 

Dr. Mutchler earned her PhD in Sociology, with a specialization in demography, at the University of Texas Austin.

Anne Posner

Program Officer, RRF Foundation for Aging

RRF Foundation for Aging

Anne Posner is a Senior Program Officer at RRF Foundation for Aging. Anne’s work at the Foundation focuses on affordable and supportive housing, economic security for older people and organizational capacity building for organizations serving older individuals. Anne previously oversaw aging services at Catholic Charities in the metropolitan Chicago region and was the program director at AgeOptions, the Area Agency on Aging for suburban Chicago for nine years. Immediately before joining RRF, Anne served at the Director of Health Equity at the Chicago Department of Public Health.  Anne has a MA from the University of Chicago’s Crown School of Social Work, Policy and Practice and a BA from Carleton College.

Vivian Nava-Schellinger, JD (Moderator)

Director, Community Partnerships & Network Activation

National Council on Aging

Vivian Nava-Schellinger, a proud Tejana, born and raised along the U.S.-Mexico border in El Paso, Texas, attended and graduated from Hispanic Serving Institutions (HSIs) all her life.  Nava-Schellinger, graduated from the University of Texas at El Paso, with a Bachelor’s of Arts in Political Science and Legal Reasoning, a Master’s of Science in National Security Studies from the University of Texas at El Paso, and a Juris Doctorate from the Sandra Day O’Connor College of Law at Arizona State University, in Phoenix, Arizona.  Previously, Nava-Schellinger, worked in higher education advocating for access to educational opportunities for underrepresented populations while directing admissions at Sandra Day O’Connor College of Law at Arizona State University and at Howard University School of Law in Washington, D.C. 

Nava-Schellinger, has utilized her legal training to efficiently and successfully merge business strategy, development, organizational management, and health policy to ensure that all communities have access to the information they need to make informed decisions about their healthcare, economic security, and daily lives. Before her tenure at the National Council on Aging (NCOA), Nava-Schellinger, worked in partnership and fund development within the non-profit sector for an organization aimed at reaching the hard-to-reach and connecting them to health insurance under the Affordable Care Act. Additionally, Nava-Schellinger worked in the private sector on the development and design of large-scale reimbursement patient assistance programs for low-income adults. At NCOA, she leads the organization’s ecosystem of national and community partnerships, external engagement of NCOA’s policy priorities with partners, and programming focused on vulnerable populations of older adults with equity as a baseline principle for restoring greater health and economic security for all.

Vivian resides in Washington, DC with her husband Jake, and their two rescue dogs (Fernando and Phil-Chepito).

Erin Kee McGovern (Moderator)

Director of Programs, Center for Benefits Access

National Council on Aging

Erin Kee McGovern, JD, is a Director of Programs, Center for Benefits Access at the National Council on Aging (NCOA).  Erin oversees NCOA’s Benefits Enrollment Centers and Senior SNAP Enrollment Initiative. These two programs are aimed at significantly increasing older adults’ participation in Medicaid, Medicare Savings Programs (MSP), Extra Help (Part D Low Income Subsidy/LIS), Supplemental Nutrition Assistance Program (SNAP), and Low-Income Home Energy Assistance Program (LIHEAP) through community-based outreach and enrollment initiatives. Erin provides training to a nationwide network of social service providers on eligibility and application guidelines for these key benefits programs. Erin also provides recommendations on proposed federal legislation and regulations, particularly on how changes will impact the most vulnerable people. In 2013, she published an article on increasing SNAP participation at farmers’ markets in the Clearing House Review: Journal of Poverty Law and Policy. Erin graduated with honors from the College of Charleston, Charleston, SC, earned her Juris Doctor at the University of South Carolina School of Law, Columbia, SC, and her Master’s in Environmental Law and Policy at Vermont Law School, South Royalton, VT.

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Webinar: Financial Well-Being & Income Sufficiency Among Older Americans - Part 1
09/22/2022 at 3:00 PM (EDT)   |  60 minutes
09/22/2022 at 3:00 PM (EDT)   |  60 minutes Many Americans are finding it harder than ever to make ends meet. The Consumer Financial Protection Bureau (CFPB), recognizes that older adults, particularly those of color, have experienced physical, social, and financial effects of the COVID-19 pandemic at a greater rate than the rest of the population. This webinar, as a part of a two-part series, will examine how to better understand, reach, and serve older adults with incomes “above but near” the poverty line (defined as 100-200% of FPL) who often report worse financial struggles than older adults with incomes below the poverty line before and after the pandemic. This webinar will focus on insights from experts in the field of economic and financial mobility, the impact of a more modernized approach to measuring income adequacy, and building the capacity of our network to reach the communities most impacted by poverty as they age.
Part 1 - Financial Well-being & Income Sufficiency Among Older Americans: Post-Event Survey
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