Category: Articles

  • The Filcom Center: A Dream Come True

    At first glance, the Filipino Community Center looks Filipino enough — Spanish-inspired architecture, an engraved golden sun over the entrance, a glittering mosaic portrait of Consuelo Zobel Alger, after whom the central courtyard is named. The history of the building is evident in its grander pieces, yes, but taking a closer look reveals pieces of the past in the form of plaques and carefully preserved curios, all telling of Filipino history in Hawai‘i. For October’s Filipino American History Month (FAHM), we look to the Filipino Community Center as a guiding light and gathering place for people from all walks of life — not just Filipinos. In order to get to where we are, though, we must first look back to where we come from.

    Clockwise (L–R): Roland Casamina, CEO, House of Finance; Hugh Madula, Programs & Events Coordinator; Rose Cruz Churma, Architect; Eddie Flores Jr., L&L Co-Founder; Su Lazo, 2nd Vice Chair, Executive Committee

    A Constellation of Civilizations

    Over 4,000 years ago, immigrants from southern China were the first to inhabit the Philippine Islands, also spreading throughout areas in Southeast Asia such as Malaysia and Indonesia. The Philippines boasts a profoundly rich cultural catalogue, though written records fall short in capturing the nuances of this history. Until Spanish arrival in the 16th century, the people inhabiting the islands did not see the archipelago as one unified entity.

    The Philippines, like Hawai‘i, is an archipelago in the Pacific Ocean, with islands numbering over 7,000. Before the Philippines was the Philippines, the islands were comprised of ancient kingdoms throughout Luzon, Mindanao and the Visayas regions. Each kingdom’s tribes had their own ways of life, following datus (leaders/protectors) and living in barangays (“boat” in Tagalog, the language originating from central Luzon).

    The Fight for Freedom

    Sailing for the Spanish crown, Portuguese explorer Ferdinand Magellan arrived in the Visayas region in 1521. Through his arrival, Spain forced its access to the kingdoms, naming and unifying the islands as the Philippines after King Phillip II. Native populations were displaced and Spanish rule lasted through the 19th century.

    At the very end of the 1800s, the young men of an economically robust elite native class were sent to Manila and Europe for a liberal education, becoming known as ilustrados. Establishing the Propaganda Movement, they called for equality and systemic reforms, the most famous being Jose Rizal, a Filipino revolutionary who inspired the people. The Philippine Revolution began in 1896 as people fought for emancipation from Spain’s 333-year colonial rule and the right to self-governance. The 1898 Treaty of Paris transferred “ownership” of the archipelago from Spain to the US.

    Through 48 years of American colonization, two World Wars took place. Japanese imperial forces invaded the shores of northern Luzon after the bombing of Pearl Harbor in 1941. Manila was occupied just a couple of weeks later, and imperialist forces committed grave atrocities such as the Manila Massacre (that occurred all over the archipelago) and Bataan Death March.

    The people persevered. The Hukbalahap (Huks for short) were a communist guerrilla movement conceived by peasant farmers in central Luzon. The women of the Huk resistance were especially indispensable to the movement. Enduring abuse from Japanese forces, Filipina women organized guerrilla units, worked as spies and fought tooth and nail in combat. Filipino revolutionaries never lost their grit — staying determined and fighting for independence from the US in the Philippine-American War, remaining under US imperial rule through July 4, 1946, when the US formally recognized Philippine independence.

    Post-independence, the Philippines focused on rebuilding and struggled to restimulate its economy. After Ferdinand Marcos Sr. was exiled for corruption and dictatorship, the Philippines worked hard to restore democratic processes — a significant milestone in this process was the passing of the 1987 Constitution of the Philippines. Today, the people of the Philippines are still striving to address poverty and corruption. But freedom, hard-won, can never be taken away.

    An Ocean Apart

    Across the Pacific, migrant Filipinos would begin another legacy. Filipinos known as “Manila men” settled in the Kingdom of Hawai‘i in the mid-1800s, working as cooks and musicians in the Royal Hawaiian Band (RHB). They were some of the first of many sakadas, or Filipino overseas workers. In the early to mid-1900s, an estimated 125,000 sakadas immigrated to Hawai‘i from northern and central Philippines, working on sugar plantations. As time went on, more sakadas brought their families with them, strengthening the local Filipino community.

    One Manila man, Jose Sabas Libornio, an understated hero in Hawaiian history, headed the RHB during the overthrow of the Hawaiian Kingdom in 1893. As a loyal friend to Queen Lili‘uokalani, Libornio was one of few RHB members to refuse allegiance to the US government. Ellen Prendergast, a Native Hawaiian composer, was inspired by Libornio’s and others’ loyalty to the queen and wrote “Mele ‘Ai Pōhaku,” a mele for hula. Libornio turned the lyrics into a musical composition, creating “Kaulana Nā Pua,” a song of resistance to imperial rule and colonialism.

    Filipinos were exploited, enduring grueling labor and inadequate pay. A series of strikes across the Hawaiian Islands culminated in the Hanapēpē Massacre that took place on Sept. 9, 1924, where 16 Filipino laborers and four police officers were killed. These events of Filipino resistance and bloodshed remain as scars on the body of the Filipino fight for freedom.

    Filipino Excellence

    In the 1970s, tourism and militarism were gaining ground in Hawai‘i because of its increasing desirability as a travel destination and the Vietnam War. As a result, Filipinos were being displaced. An example is the Ota Camp in Waipahu. The people organized against this and fought eviction. The People Power Movement in the Philippines, the robust Filipino participation in the labor unions in Hawai‘i illustrate that ordinary people, when working together, can accomplish extraordinary things. Today, people of Filipino descent make up the second largest ethnic group and the largest Asian group in Hawai‘i — roughly ¼ of the overall population.

    Enter the nonprofit Filipino Community Center Inc., established in 1992, with its constitution and by-laws filed with the state prior to the completion of the building in 2002. Finally, the Filipino Community Center (FilCom Center/FCC) opened its doors in 2002 and has become integral to Filipino/ local cultural vitality as a gathering place and culmination of Filipino passion, hard work, kindness and strength.

    But in order to ascend to this level, it had to be built from the ground up.

    An Impossible Dream

    According to Rose Cruz Churma, one of the key figures in building the center, the dream had been in the making for decades. In 1992, the Filipino Chamber of Commerce Hawai‘i (FCCH) was ready to make the center a reality, but had no idea where to start. Rose was recruited in 1993 by local businessman Eddie Flores Jr., who was already putting together the first ever Filipino Fiesta. Concurrently, another businessman, Roland Casamina, asked Eddie to help with what would be called the “FilCom Center project.” While most saw the development of the center as integral to uniting Filipinos and the community, Eddie took a simpler approach: Many other cultures had festivals at Kapi‘olani Park. “Why not us?

    Most people know Eddie as the co-founder of L&L Hawaiian Barbecue, but he also played a foundational part in building the center. Half Chinese and half Filipino, he was born in Hong Kong and moved to Hawai‘i with his family when he was young. As someone of mixed heritage who knew little Tagalog, when Eddie moved to Hawai‘i, he was anxious that the community wouldn’t accept him. In 1991, he decided to take a leap and join the FCCH. He was immediately welcomed to the group, kickstarting what would become decades of community advocacy and activism through his life.

    When it came time to take on the project, Eddie shone with tenacity and wit. Described by Rose as having “Filipino creativity and Chinese pragmatism,” Eddie was the one who suggested that the center lease tenant spaces so that the building accrues income. “Without what I envisioned, we’d be in trouble.” To this day, this decision specifically is one that the folks at the center are especially grateful for.

    Rose specialized in architecture and design. From the beginning, she was wary of this nonprofit project and what it entailed. In “FilCom Center: A Reflective History,” published on the eve of the center’s grand opening, Rose writes, “[W]hat would evolve as the FilCom Center consisted of an enthusiastic group of dreamers with very little resources, no land, no organization, no plan of action … My initial reaction was to stay away .” Though she swore off involvement with the project, Eddie, Roland and then-FCCHpresident Lito Alcantra eventually convinced her to join. She noted how Eddie and Roland especially complemented each other as business partners — Eddie’s passion for the project manifested in his drive to ensure financial sustainability for the center, and Roland’s in how he represented the typical Filipino immigrant.

    The Filipino Community Center had been a dream in the making for decades. The nonprofit Filipino Community Center Inc., established in 1992, brought the dream to fruition with the completion of the building in 2002.

    Roland was born in the Philippines and immigrated to Hawai‘i in 1968, facing racial discrimination growing up. As a result, he was ashamed of being Filipino until early adulthood, when he got a job as the youngest manager at a bank, in part, because of his ability to speak Ilocano. Thus began his career in finance, eventually establishing his own company called “House of Finance.” But, he still wanted to do more for the community, taking on the project before recruiting Eddie.

    Roland’s concern has always been that Filipino people as a group are often content in being employees instead of starting their own businesses. He remembers that, after graduating from high school, his peers were relieved to “‘finally be done.’ For me,” says Roland, “graduating high school was just the beginning — a stepping stone.” He wanted to retain that drive when working on the project. Though both Eddie and Roland were motivated, Roland divulges that it felt like “the blind leading the blind,” especially in the project’s early years.

    By 1996, the executive committee working on the FilCom Center project hosted a planning workshop. The Waipahu Sugar Mill had closed its doors the previous year and 2 acres were designated for the center. Roland recalls, “We went to the boardroom and saw the map and it was all drawn out.” Roland and Eddie kept straight faces above the table, but underneath, Roland started kicking Eddie’s leg. “And one of the things I’m really proud of is, here’s a guy, he’s half Chinese, half Filipino, born and raised in Hong Kong, and here he is identifying as a true Filipino.” In the face of this major accomplishment (and throughout the entire project), Roland bragged about Eddie: “I talked about him in front of all the Filipinos and they were all so proud of Eddie.” In conversation, Roland turns to Eddie after explaining and says, “I’m proud of you, Eddie,” to which Eddie responds, “Hey, don’t say that. Tears in my eyes now. I’m proud of you, too, brother.”

    Seeing It Through

    The project did not progress without its hiccups. A few times, funding was paused or almost completely halted due to federal requirements. But, in 2000, groundbreaking took place. Still, more obstacles arose as the committee realized their lack of funding. They were hoping for a grant from the Harry & Jeanette Weinberg Foundation. Chuck McLemore, the committee’s fundraising consultant, told them that the most they should expect was about $1.5 million, but in February of 2001, they received a call from grant director Gailene Wong who said they could ask for double. Rose, Eddie and Roland remember this moment fondly, keeping their composure until they reached the parking garage, where “all hell broke loose. Eddie did his version of the ‘funky chicken katsu’ and Roland was jumping up and down and doing strange cheers,” Rose writes.

    The Filipino Community Center officially opened its doors on June 11, 2002. “How could the Filipino community of Hawai‘i pull off something like this?” Rose asks. It was the leadership, political involvement, the social acclimatizing but, most importantly, the volunteers. “We knew that to make this happen we had to draw all — Filipino or not, immigrant and local, young and old.”

    The Filipino Community Center in Waipahu is, according to Eddie, the largest community center in the US and outside of the Philippines. Eddie says, “We spent 10 years on this. That’s hard work. I was actually in line for FCCH president and I said I couldn’t do it. When we first went to the center site, it was just a sugarcane field.” When the center finally opened, it was a sunny day. “I had tears in my eyes,” says Eddie. Roland adds, “Every time I walk into the center, I have goosebumps. I can’t believe that what Eddie and I and everyone else dreamed of really happened.” They both agree that if asked to undertake the project today, they wouldn’t be able to do it. “It was really an impossible dream. Everything came into place.”

    Eddie and Roland both believe that whatever they give or put into a project will be returned to them 10 times over. Through all of their hard work, both Roland and Eddie end their retelling with a word of gratitude to the community — Filipino, non-Filipino, federal, state and local. What started as a decades-lingering daydream now stands as both a gathering place for all and a monument to the love and hard work that went into its development, for those who came before and for all who will come after.

    At the FilCom Center

    The three-story center is overseen by a board of directors. Edmund Aczon has been chairman of the board since 2011, but, he jokes, “I’m the janitor and the doorkeeper.” As chairman, a lot of his work involves maintaining the center and receiving guests. Before FilCom, he worked for former Sen. Daniel K. Inouye, ensuring the senator was an advocate for the Filipino people. Edmund organizes meetings and meets with members of the board. Su Lazo has been with the board since 2024 and is also second vice chair of the executive committee. “It’s a labor of love,” she says.

    As chairman of FilCom,
    Edmund Aczon’s leadership is
    paramount to the continued
    success of the center.

    The center structures itself and its programs around six foundational pillars. Kultura (cultural preservation) celebrates Filipino traditions through the arts, music, dance and intergenerational storytelling. The events under this pillar are FilCom Sundays, Banda Kawayan and History Fest. Kapaligiran (environmental stewardship) focuses efforts on protecting nature through community-based projects and sustainable practices. The center holds hydroponics/herb-planting workshops and hosts clean-up days. Kalusugan (health and wellness) promotes holistic well-being for all ages. The program under this pillar is called “FilCom Cares.” Kinabukasan (economic empowerment) offers educational opportunities for financial literacy, mentorship and general learning. The center offers immigration/naturalization services and NCLEX-exam review. Kababayan (community building) unites the Filipino diaspora via civic initiatives and community events. The main events for this pillar are Filipino Fiesta, Pasko sa FilCom and Bayanihan Gala. Finally, Kabataan (youth development) is concerned with building the next generation through leadership training and creative workshops. The main program that falls under this pillar is Fil4Kids. Registration/participation in almost all of these programs is free.

    One of the events, if not the largest, that take place at the FilCom Center is the annual Flores de Mayo & Filipino Fiesta (usually shortened to Filipino Fiesta), which happens on the first Saturday of May and is chaired by Su. Fiesta has something for every generation, ranging from tinikling and other traditional arts workshops to a balut-eating contest, cultural storytelling, karaoke and more. Already planning for the next event, Su shares her excitement and gratitude for the people who help make fiesta happen every year. A lot of her work is also modernizing fiesta operations and processes, work she accomplishes with the help of her committee and community partners.

    Along with the FCCH, Su says that the Filipino Jaycees of Honolulu is a pillar organization as they consistently collaborate with the center, expressing pride in her ability to bridge gaps across expertise and age. “The work that I do is making sure we continue to build that trust with the older generation while also giving those opportunities for young folks to develop their skills, because they’re going to lead one day.” She is also grateful for Eddie and Roland’s guidance. “I want to make sure he and Roland are honored. They built the Filipino Community Center, right?”

    Going all the way back to the early ’90s, the first Filipino Fiesta was planned and executed by Eddie. “It’s my baby,” he says, “from day one.” What started as just fiesta and Flores de Mayo became the annual flagship project of the center. According to Su, fiesta represents a microcosm of the Center that takes place in just one day.

    “Fiesta is a platform for cultural preservation and education as much as an economic opportunity for local organizations and performers to share their resources and talent. And, at the root of it all, fiesta is a multigenerational gathering of our community,” she says.

    In turn, Eddie and Roland express their admiration for Su: “She is the young generation and is very dedicated. I’ve never seen anyone do such a great job.”

    Eddie still mentors the fiesta planning committee and helps fundraise. He’s “really proud of the group. Young people are a little different, but I see them as the future of the Filipinos.”

    The Power is With the People

    Those involved with the FilCom Center, past and present, continue advocating for the Filipino people. Roland and Eddie support scholarships for Filipino students at their alma maters and the Shidler College of Business. They wish to see more rising Filipino leaders and role models. Eddie says, “We don’t have many Filipino role models, so it’s important for us to be in the mainstream,” to which Roland adds, “I want Filipino students to feel that it’s common to see that a guy that looks like me can become successful.”

    Hugh Madula is the center’s programs and events coordinator. When he’s not setting up for the next celebration, he’s curating a small room of his personal collection of Filipino artifacts and literature. He stresses how important it is that young Filipinos know their history and take pride in being Filipino. ”Without my accent, without my history, I don’t know who I am. Who else is gonna share these things? I want more people to come see, and hopefully one day I’ll have a bigger room. That’s my goal: for more Filipinos to know where we come from.”

    No longer with the center, Rose now works with the Filipino-American Historical Society of Hawai‘i and the Filipino Association of University Women (FAUW), seeking to document and preserve Filipino American history: oral histories, digitizing historical documents, hosting workshops and publishing Filipino writing. With FAUW, she seeks writers to publish their creative work. “It’s in the arts that we can best tell our story, because it reaches the heart,” she says. “If it’s just didactic, it’s hard to remember. But if it touches the heart, it’s easier to do so.”

    She is also writing a piece on Eddie for his nomination to the Manong/Manang annual tribute in San Francisco, an annual event when Filipino elders are celebrated for their community work and achievements.

    Su also talks about the Filipino curriculum project that aims to teach K through 12 classrooms about Filipino history in Hawai‘i. As the second largest ethnic group in the islands, Su and others feel it is imperative to teach the youth about how Filipino and Hawaiian communities have been interlinked since the first wave of immigrants.

    A Gathering Place

    During October, Filipino American History Month, various celebrations will take place. Many events on O‘ahu will take place at the FilCom Center beginning on Oct. 4, including dance workshops, history exhibits and food showcases. See the schedule of their events at filcom.org. The FilCom Center is also celebrating its 25th anniversary next year.

    “Filipinos own the center,” says Eddie. Roland adds, “If you’re Filipino or Filipino at heart, if you’re from Hawai‘i, you’re part of the community.” Edmund says, “Community involvement is key.” The FilCom Center encapsulates the spirit of the Filipino people.

    This story is told with the hope that all readers come away knowing more, with a heightened sense of curiosity and appreciation for Filipino history and heritage, a desire to learn more and an anticipation of what can be done to pass this aloha and sense of community (bayanihan) from one person to the next. Everything starts with a dream. Through careful attention, hard work and togetherness, impossible dreams come to life.

    Year-round Programs:

    • Zumba
      Mondays, 6:30pm – 7:30pm
    • Ballroom Dance
      Tuesdays, 6:30pm – 7:30pm
    • Traditional Dance
      Wednesdays, 5:30pm – 6:30pm
    • Escrima: Filipino Martial Arts
      Every last Saturday of the month, (Please call for specific times: 808-680-0451) Periodically Scheduled Classes & Workshops:
    • Language
    • Immigration
    • Filipino cuisine cooking
    • Financial literacy
    • HiNAMI Nursing Examination Class
      (From July to November. One of FilCom’s signature programs for more than 20 years, is a volunteer-led board preparation course provided by Hawaii Nursing Advocates & Mentors Inc. to help nursing graduates, especially foreign=educated nurses, pass their licensing exams.)

    THE WAY BACK HOME by Haley Burford

    I wrote this issue’s feature and, coincidentally, was also a kid at Fil4Kids for a couple of years. I was nervous at first to take on this feature because I have difficulty writing about things close to me, but after speaking with Rose, Su, Edmund, Roland and Eddie, my nerves calmed almost immediately after meeting each of them. The way they spoke about their work with the Filipino Community Center (FilCom Center) inspired me and reminded me of my time there. I want to express my sincere gratitude to them for sharing their knowledge and passion with me.

    I related to Eddie when he spoke about the fears of not being accepted because of his mixed heritage. My experience growing up in Hawai‘i, which I’m sure many others can relate to, included anxiety and confusion — not really knowing where I fit in — too nervous to assert myself into one culture or another. Sometimes, even people who I considered family would ostracize me for being “only” half Filipino. When I would spend summers at the FilCom Center, though, I never felt that anxiety and confusion. For young me, this was quite rare, so I treasured it.

    Everyone I interviewed either invited me to lunch or to join their volunteer committees. The readiness with which they wished to share these spaces with me reminded me of some of my own relatives and friends, always inviting and always companionable. When I interviewed Edmund, he invited me to the board of directors luncheon at the center later that week. It was my first time back at the center since I was a child, so it meant a lot to me to be back in that space. At the luncheon, the same thing happened! Everyone I spoke to was happy to hear about my interest in volunteering and being more integrated with the community, inviting me to concerts and meetings after speaking with me for a few minutes. It felt a bit like whiplash, but gratitude and awe quickly overpowered that feeling.

    I took the opportunity to write this feature quite seriously. I mean, I take every feature opportunity seriously, but the FilCom Center holds some of my most precious childhood memories, and I knew that if I was going to write this story that I had to go back to that headspace and sit with it. Going back to the center after over a decade was strange — I noticed things that child-me never noticed. I read each plaque, went up to see the historical exhibit, saw Hugh’s curated room, took in the afternoon quiet and thought about how much had changed over the years.

    I definitely have changed; the center, though, is just as I remember it. For some reason, this realization brought me peace. I’m worlds apart from the kid I was, and I’ll keep changing, but the center has been here, and I hope you’ll join me in helping to make sure it stays that way for the rest of our lives.

    At first glance, the Filipino Community Center looks Filipino enough — Spanish-inspired architecture, an engraved golden sun over the entrance, a glittering mosaic portrait of Consuelo Zobel Alger, after whom the central courtyard is named. The history of the building is evident in its grander pieces, yes, but taking a closer look reveals pieces of…

  • Neutralize DPAHC Designee Conflicts

    Durable Power of Attorney for Health Care (DPAHC) designations can shape sibling relationships in unexpected ways. When one child is appointed as the sole healthcare agent, other siblings may feel excluded, mistrusted or resentful. Research indicates that surviving adult children report higher-quality sibling relationships when the deceased parent designated someone other than a spouse or child as the DPAHC. This finding suggests that removing siblings from sole decision-making authority may reduce interpersonal conflict during emotionally charged end-of-life situations.

    The structure and use of a DPAHC can further influence family dynamics, depending on how authority is assigned and exercised. Parents may appoint children jointly as co-agents or designate them in a specific order of authority. While these legal arrangements clarify who holds decision-making power, they do not guarantee family harmony. The manner in which authority is carried out is often more consequential than the formal designation itself.

    To preserve positive sibling relationships, appointed agents, whether serving jointly or individually, should prioritize collaborative and transparent communication by openly discussing medical options, professional recommendations and the parent’s stated values and preferences with all siblings.

    YIM & YEMPUKU, LLLC – Estate Planning Attorneys
    2054 S. Beretania St., Honolulu, HI 96826
    808-524-0251 | yimandyempukulaw.com

    Durable Power of Attorney for Health Care (DPAHC) designations can shape sibling relationships in unexpected ways. When one child is appointed as the sole healthcare agent, other siblings may feel excluded, mistrusted or resentful. Research indicates that surviving adult children report higher-quality sibling relationships when the deceased parent designated someone other than a spouse or…

  • Make Your Money Last a Lifetime

    Whether you’re still a decade or more away from retirement or already enjoying life after work, it’s worth asking an important question: Will your financial resources support you for as long as you need them? With people living longer and economic conditions constantly shifting, having a financial plan focused on longevity is essential. The following are strategies that can help you feel confident that your money will support you throughout your lifetime.

    Create a sustainable withdrawal strategy.

    After years of saving, it’s natural to feel excited about using your hard-earned money during retirement. Some retirees are quick to prioritize spending on the retirement dreams and hobbies they planned for, while others hesitate for fear of outliving their savings. A thoughtful withdrawal strategy can help you strike the right balance, allowing you to enjoy your retirement lifestyle today while protecting your financial wellbeing for the years ahead. Your financial advisor can help determine an appropriate withdrawal rate based on your assets, expected expenses and long-term outlook.

    Build tax-efficient income streams.

    Tax efficiency becomes increasingly important as you transition into retirement. A range of investment vehicles — such as Roth IRAs, Roth 401(k)s, Health Savings Accounts, municipal bonds, ETFs and index funds — offer varying degrees of tax advantages in retirement. Maximizing these opportunities can help you keep more of what you earn and stretch your income further. Because the options are diverse and each person’s circumstances are unique, an advisor can help you identify which combination best aligns with your goals.

    Consider guaranteed income solutions.

    Having at least one reliable, predictable income source in retirement can provide peace of mind. Guaranteed income solutions typically offer payments on a regular schedule and are not affected by market downturns. Options may include pensions provided by former employers, annuities purchased through insurance companies and Social Security benefits. Understanding which of these solutions are available to you — and how they fit within your broader retirement plan — can help create greater stability and confidence in your long-term cash flow. But it’s important to understand the associated fees, contract terms and trade-offs before making a decision.

    Be strategic about Social Security timing.

    Social Security is often a cornerstone of retirement income and deciding when to begin collecting benefits can have a significant financial impact. While you’re eligible to start receiving payments at age 62, benefits increase each year you delay — up to age 70.1 If you have other income sources to support your early retirement years, waiting may provide a higher lifetime benefit. Your financial advisor can model different scenarios and help you determine the timing that best supports your personal and financial goals.

    Work with a financial advisor.

    No one wants to reach the later chapters of life feeling financially vulnerable or uncertain about the future. Working with a financial advisor can help you create a plan designed to support longevity, adapt to life changes and inspire confidence that your money continues working for you.

    MICHAEL W. K. YEE, CFP,® CFS,® CLTC, CRPC®
    1585 Kapiolani Blvd., Ste. 1100, Honolulu, HI 96814
    808-952-1240 | michael.w.yee@ampf.com
    ameripriseadvisors.com/michael.w.yee

    Michael W. K. Yee, CFP®, CFS®, CLTC®, CRPCTM, is a Private Wealth Advisor/Financial Advisor with Ameriprise Financial Services LLC in Honolulu, Hawai‘i. He specializes in fee-based financial planning and asset management strategies and has been in practice for 42 years. 1 Social Security Administration: “Starting Your Retirement Benefits Early.” ssa.gov/ benefits/retirement/planner/agereduction.html Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization’s initial and ongoing certification requirements to use the certification marks.

    Ameriprise Financial Inc. and its affiliates do not offer tax or legal advice. Consumers should consult with their tax advisor or attorney regarding their specific situation. Ameriprise Financial cannot guarantee future financial results. Investment products are not insured by the FDIC, NCUA or any federal agency,
    are not deposits or obligations of or guaranteed by any financial institution, and involve investment risks including possible loss of principal and fluctuation in value. Securities offered by Ameriprise Financial Services, LLC. Member FINRA and SIPC. ©2026 Ameriprise Financial, Inc. All rights reserved.

    Whether you’re still a decade or more away from retirement or already enjoying life after work, it’s worth asking an important question: Will your financial resources support you for as long as you need them? With people living longer and economic conditions constantly shifting, having a financial plan focused on longevity is essential. The following…

  • Protect Your Medicare

    Older adults in Hawai‘i face many challenges today and protecting your Medicare number is more important than ever. The high cost of living, fewer healthcare workers and rising Medicare scams put kūpuna at real risk for losing money or getting the wrong medical care.

    Hawai‘i is one of the most expensive places to live and many kūpuna depend on fixed incomes. Housing, food, medicine and doctor visits continue to cost more each year. When someone charges your Medicare for care you didn’t receive or for services you didn’t need, those extra costs can be very hard to manage. Even small mistakes or false charges can add up and cause stress.

    There are also not enough healthcare workers in many hospitals, clinics and homecare agencies, meaning longer wait times and rushed visits. Busy doctors and staff may make coding or billing mistakes. High turnover can also lead to confusion or poor communication, which can affect your care and your wallet.

    Across the country, Medicare loses an estimated $60 billion every year due to fraud and abuse. This money is lost because of false billing, scams and dishonest actions — not clerical mistakes. Scammers may try to steal your identity, offer fake medical equipment or “upcode,” which means billing Medicare for a more expensive service than what you received. Many older adults do not report suspicious activity because they feel embarrassed or worry about causing trouble. But reporting helps protect everyone.

    Medical identity theft is one of the most serious problems. If someone uses your Medicare number, false information — like wrong diagnoses or treatments you never had — can be added to your medical record. This can lead to unsafe care in the future. Medicare may also deny real services if it thinks care was already provided.

    However, there are easy steps you can take.

    Treat your Medicare card like a credit card. Never share your Medicare or Social Security number with anyone who contacts you unexpectedly. Medicare will not call you to ask for your number or send a new card. Read your Medicare Summary Notice or Explanation of Benefits often and make sure the charges match the care you received. If something looks wrong, or if you need help, contact Senior Medicare Patrol (SMP) Hawai‘i at 1-800-296-9422 or visit smphawaii.org. SMP Hawai‘i can help you understand your benefits, report possible fraud and protect your identity. You can also ask about volunteer opportunities to help protect yourself and others.

    Contact Hawai‘i State Health Insurance Assistance Program (SHIP) for free help with yourMedicare questions as we prepare for the Medicare Open Enrollment Period (Oct. 15 to Dec. 7, 2026).

    SMP HAWAI‘I & HAWAI‘I SHIP
    250 South Hotel St., Ste. 406, Honolulu, HI 96813
    SMP HAWAI‘I
    808-586-7281 | 1-800-296-9422 | smphawaii.org
    HAWAI‘I SHIP
    808-586-7299 | 1-888-875-9229 | hawaiiship.org

    Older adults in Hawai‘i face many challenges today and protecting your Medicare number is more important than ever. The high cost of living, fewer healthcare workers and rising Medicare scams put kūpuna at real risk for losing money or getting the wrong medical care. Hawai‘i is one of the most expensive places to live and…

  • Supportive Care During Serious Illness

    During a serious illness, supportive care helps people maintain the best possible quality of life.

    Supportive care focuses on relieving symptoms such as pain, fatigue, shortness of breath, nausea, anxiety or difficulty sleeping. It also helps individuals and families navigate complex medical decisions, understand treatment options and identify resources that can make daily life more manageable.

    Supportive care can begin at any stage of a serious illness and may be provided alongside curative or life-prolonging treatments. Early access to supportive care has been associated with improved symptom management, better communication between patients/healthcare providers and reduced stress for family caregivers.

    Supportive care also recognizes that serious illness affects more than physical health. Emotional well-being, social connections, spiritual needs and caregiver support all play important roles in overall quality of life. Addressing these needs can help individuals remain more comfortable, engaged and independent.

    Families are encouraged to ask healthcare providers about supportive care options soon after a diagnosis of a serious illness rather than waiting until symptoms become overwhelming.

    NAVIAN HAWAII
    Jody Shiroma, Chief Growth Officer
    808-302-4144 | jshiroma@navianhawaii.org
    NavianHawaii.org

    During a serious illness, supportive care helps people maintain the best possible quality of life. Supportive care focuses on relieving symptoms such as pain, fatigue, shortness of breath, nausea, anxiety or difficulty sleeping. It also helps individuals and families navigate complex medical decisions, understand treatment options and identify resources that can make daily life more…

  • Silent Disco Transforms Memory Care

    Music has a remarkable ability to awaken memories, spark emotions and bring people together. For older adults — particularly those living with dementia — combining music with movement can support physical, emotional and social well-being. Silent disco offers a unique way to experience those benefits.

    Unlike a traditional dance class, participants wear wireless headphones. Individual volume controls allow everyone to choose a comfortable listening level, while noise-canceling technology minimizes surrounding distractions. The result is an immersive experience that encourages participants to focus on the music, sing along and move with confidence.

    Research suggests that personalized music can help evoke memories, reduce anxiety and agitation, and encourage social interaction for people living with dementia. Adding gentle movement supports balance, coordination and physical activity.

    While silent disco is not a treatment for dementia, it is an engaging activity that can create joy and supports quality of life by combining the therapeutic power of music, movement and meaningful human connection.

    KĀHALA NUI
    4389 Malia Street, Honolulu, HI 96821
    808-218-7200 | sales@kahalanui.com
    kahalanui.com

    Music has a remarkable ability to awaken memories, spark emotions and bring people together. For older adults — particularly those living with dementia — combining music with movement can support physical, emotional and social well-being. Silent disco offers a unique way to experience those benefits. Unlike a traditional dance class, participants wear wireless headphones. Individual…

  • A Family’s Guide to Hospice Care

    As Hawai‘i’s kūpuna population grows, more families will face decisions about end-of-life care. Hospice can be a compassionate choice, yet many people are unsure what it involves.

    What is hospice care? Hospice provides specialized support for people with serious illnesses who choose comfort rather than curative treatment. Care is guided by each person’s goals, values and priorities, focusing on symptom management, emotional/spiritual support and quality of life. Hospice helps patients live as comfortably as possible with dignity, and supports their loved ones.

    Who provides hospice care? Care is delivered by an interdisciplinary team that may include doctors, nurses, social workers, spiritual counselors, aides and trained volunteers.

    How does hospice support families? Hospice offers counseling, caregiving guidance, education and grief support, helping loved ones focus on meaningful time together.

    Where is hospice care provided? Care can be provided at home, in assisted living, a nursing home or a dedicated hospice inpatient facility.

    When should families talk about hospice? Early conversations with doctors and loved ones can align care with personal values, especially when treatment is no longer effective and comfort becomes the priority.

    ST. FRANCIS HEALTHCARE SYSTEM OF HAWAI‘I
    2228 Liliha St., Ste. 300, Honolulu, HI 96817
    808-547-6500 | stfrancishawaii.org/hospice

    As Hawai‘i’s kūpuna population grows, more families will face decisions about end-of-life care. Hospice can be a compassionate choice, yet many people are unsure what it involves. What is hospice care? Hospice provides specialized support for people with serious illnesses who choose comfort rather than curative treatment. Care is guided by each person’s goals, values…

  • Is Caregiving Straining Your Marriage?

    Retirement with your spouse is just within arm’s reach, when you receive the phone call: “Something happened to Mom.” Suddenly, your world is turned upside down as the realities of caregiving set in. You may think you can simply organize help, get things all set and quickly return to your world and your plans. But shortly into your new caregiving role, you realize that Mom and Dad did not plan well for this possibility and it’s too late to change things now. Somebody has to shoulder the work of caring, arranging for care and possibly, financing care.

    Aging Baby Boomers are faced with caring for our long-lived parents. Although we are glad to still have our parents with us and doing well, when things take a turn and caring becomes your all-encompassing activity, real problems can develop for you and your spouse.

    Approximately 80% of caregivers report strain on their marriages due to caregiving pressures. About 75% of them say they had no choice but to step up. So how do you create both the understanding and the support needed in a caring relationship that also includes providing care for a parent or other loved one?

    Understand that even if you are the only child, caring for your loved one is not a solo act. You may have to dig, get creative, not meet every desire expressed and accept whatever help is available. Providing care does not have to mean that you provide the care. It means you ensure that care is provided.

    Your spouse/partner cares more about you, the caregiver, than they do the loved one you are caring for. While that might seem selfish, would you really want it any other way? You must respond to that love openly and with acknowledgement. “I know this is not what we had planned and having you with me is the only way I can get through this. I love you for loving me.”

    Find ways to make as much of your life together shine. Kim Andreaus, the aging and eldercare manager for SAS Work/Life, urges people to keep romance alive. “Try to find small, regular moments for you and your partner to connect. This can be making time for morning coffee together, a special show that you make time to watch or an evening walk with the dog.”

    The Caregiver Foundation works with the community to promote caregiver support groups and holds a Caregiver Support Group on the third Tuesday of every month. Check out the website for announcements and registration details or call the number below.

    Joining a Caregiver Support Group connects you with others who understand your challenges, offering validation, practical advice and emotional support to help prevent burnout.

    THE CAREGIVER FOUNDATION (nonprofit)
    926 3rd St., Pearl City, HI 96782
    808-625-3782 | info@thecaregiverfoundation.org
    thecaregiverfoundation.org

    Retirement with your spouse is just within arm’s reach, when you receive the phone call: “Something happened to Mom.” Suddenly, your world is turned upside down as the realities of caregiving set in. You may think you can simply organize help, get things all set and quickly return to your world and your plans. But…

  • Keep Your Mind Sharp

    For many of us, one of the greatest fears of aging isn’t wrinkles or gray hair — it’s losing our memory, our independence or the ability to recognize the people we love. While some changes in memory are a normal part of aging, dementia is not simply an inevitable part of getting older.

    Up to 45% of dementia cases may be linked to risk factors that can be modified through healthy lifestyle choices — the most powerful ways to support long-term brain health.

    Brain health isn’t just about memory, it’s about whole-person health. Everyday habits that support brain health include regular physical activity, nutritious eating, quality sleep, stress management, social connection, cognitive stimulation and healthy hearing and vision. It’s never too early or too late to make positive changes.

    That’s the foundation of Brain Health Hui, a six-week, evidence-based program offered by the YMCA of Honolulu in partnership with Brain Matters Hawai‘i. Over weekly 90-minute sessions, ku¯puna learn practical strategies to support brain health while connecting with others. The program is free for Y members.

    Each session combines gentle movement, discussions and hands-on activities focused on nutrition, exercise, sleep, stress management, hearing health, memory strategies and mindfulness. The program emphasizes practical habits for daily life.

    A unique feature of Brain Health Hui is SMARTfit technology, an interactive system that combines movement with cognitive challenges. Participants match colors or shapes on a lighted board while balancing, stepping or performing gentle squats. These “dual-task” exercises challenge the brain and body simultaneously, improving reaction time, balance, coordination and memory through entertaining and engaging game-like activities.

    Just as important, Brain Health Hui creates opportunities to build friendships and reduce social isolation — both important contributors to healthy aging. Many participants who began the program as strangers finished as friends, continuing to check in whenever they meet at the YMCA.

    Interest has been so strong that every Brain Health Hui session has reached capacity shortly after registration opens.

    Brain Health Hui isn’t about turning back the clock. It’s about helping people stay active, connected and independent as they age. To learn more about Brain Health Hui, upcoming class dates, membership information or other healthy aging programs offered by the YMCA of Honolulu, visit ymcahonolulu.org.

    YMCA OF HONOLULU – Metropolitan Office (nonprofit)
    1441 Pali Hwy., Honolulu, HI 96813
    808-531-9622 | info@ymcahonolulu.org
    ymcahonolulu.org

    For many of us, one of the greatest fears of aging isn’t wrinkles or gray hair — it’s losing our memory, our independence or the ability to recognize the people we love. While some changes in memory are a normal part of aging, dementia is not simply an inevitable part of getting older. Up to…

  • Healthy Habits for a Lifetime of Smiles

    With October’s National Dental Hygiene Month just around the corner, it’s a great time to focus on the healthy habits that keep your smile strong. The annual observance recognizes the important role dental hygienists play in promoting good oral health and encourages people of all ages to practice good oral hygiene and schedule regular dental visits.

    Practicing good oral hygiene becomes even more important as we age because it supports both a healthy smile and overall well-being. Brush your teeth twice a day with fluoride toothpaste, floss daily, and visit your dentist regularly for exams and cleanings. These habits help remove plaque, prevent cavities/gum disease and reduce your risk of tooth loss. Professional cleanings by your dentist can remove hardened plaque (tartar) that cannot be removed at home.

    Many older adults experience dry mouth as a side effect of medications. Because saliva helps protect your teeth, staying hydrated and talking with your dentist about ways to manage dry mouth can help reduce your risks.

    Daily oral care and regular dental visits are essential. Take care of your oral health today and enjoy a healthy smile for years to come.

    HAWAII DENTAL SERVICE
    Dr. Vinh Tran, Dental Director
    808-529-9213 | vinh.tran@hawaiidentalservice.com
    HawaiiDentalService.com

    With October’s National Dental Hygiene Month just around the corner, it’s a great time to focus on the healthy habits that keep your smile strong. The annual observance recognizes the important role dental hygienists play in promoting good oral health and encourages people of all ages to practice good oral hygiene and schedule regular dental…

  • Avoiding Falls as We Age

    In this ongoing column, Kaiser Permanente doctors answer commonly asked questions.

    As we age, staying active and independent becomes even more important and that starts with staying steady on our feet.

    What are the most important things I can do to prevent falls as I get older?

    Balance training: One of the most effective ways to prevent falls is to build lower-body strength with exercises such as squats and sit-to-stands. Balance training also significantly reduces fall rates. Simple exercises such as standing on one foot, heel-to-toe walking, side-stepping and slowly turning in circles can improve stability. There is strong evidence that tai chi is an effective balance practice.

    Shoes are safer: I know it’s hard to give up the slippers, but if you’re walking more than a few steps outside, choose shoes with good traction and support, particularly for wet or uneven surfaces.

    Medication review: As we age, our medication lists often grow. Be sure to regularly review all the medications you’re taking with a physician or pharmacist, particularly those used for high blood pressure, diabetes, or depression and anxiety, as some of these medications can cause dizziness or lightheadedness.

    Regular vision and hearing checks: Have your vision and hearing checked routinely. Even small changes can affect stability.

    Fall-proof your home: Remove clutter and loose rugs that could cause trips. Keep rooms well-lit and use night lights throughout the home. Install grab bars where needed, especially in bathrooms and hallways.

    Clear vision, strong legs, good balance, safe footwear and a safe home together make a powerful difference in staying steady and independent.

    How can I tell if I should start using a cane?

    A lot of folks worry that using a cane means they’re getting weaker or losing independence. Others are concerned it might even make their balance worse. But in reality, the opposite is usually true. A properly fitted cane often helps you walk more naturally and with less tension. When you feel steadier, your muscles move the way they’re supposed to so you can stay active.

    A cane is like eyeglasses for balance. A cane gives your body clearer feedback
    so it can move safely.

    You might benefit from a cane if you notice yourself reaching for walls or furniture, feeling unsure on uneven ground, tiring quickly in one leg, or if you’ve had a fall or a near fall. Another important sign is when you start avoiding places or activities because you’re worried about tripping.

    Walking while feeling unstable tends to make the body stiffen and over time that can worsen balance. A cane often allows people to take a more relaxed step, walk farther and stay engaged in the things they enjoy.

    Falls are not an inevitable part of aging.

    Staying steady on your feet is about being engaged — in your routines, your community and the activities that bring you joy. A few small adjustments today can help you move confidently for years to come.

    Dr. Anthea Wang is a board-certified internist at Kaiser Permanente’s Honolulu Medical Office. She earned her medical degree from the University of North Carolina (UNC) School of Medicine and did her internal medicine internship and residency at UNC Hospitals. Dr. Wang also trained in general preventive medicine at UNC Medical Center. She serves as Assistant Area Medical Director for Government Programs & Population Community Health Solutions at Kaiser Permanente Hawaii.

    Kaiser Permanente will cover mental health in the next issue. If you have a medical question for the doctor, email cynthia@generations808.com.

    In this ongoing column, Kaiser Permanente doctors answer commonly asked questions. As we age, staying active and independent becomes even more important and that starts with staying steady on our feet. What are the most important things I can do to prevent falls as I get older? Balance training: One of the most effective ways…

  • Saving Memories and Space

    As the years of our lives accumulate, so do our belongings. Every drawer has stories overflowing, closets are museums of memories and the contents of each room whisper about the moment in time they became part of your home. So how do we bring honor to a lifetime of memories, without being weighed down?

    Be gentle with yourself. Ask, “Does this reflect who I am today?” and/or “Does this need to travel with me into the next chapter of my life?” Grief may be part of this journey as you learn to let go. Set realistic expectations and deadlines. Be strategic by tackling one drawer at a time or by working one hour a day. Celebrate the small wins.

    Sift through belongings with curiosity and reflection beyond “keep or toss.” Ask yourself, “What do I use daily? What is deeply meaningful and/or a legacy item? What can I gift with intention?”

    There are ways to save things using a fraction of space. One idea is photographing your items/memories. Then create a digital photo library for viewing on-screen or for printing into a book. Curate and create a space for items that you’ve kept that best tell your story.

    Downsizing is about distilling down to clearer stories, people and things that truly matter. You’ll soon feel lighter, clearer and more connected.

    BEREAVEMENT NETWORK OF HAWAI‘I
    Facilitated by KŌKUA MAU (nonprofit)
    808-585-9977 | kokuamau.org/grief-and-bereavement
    kokuamau.org

    As the years of our lives accumulate, so do our belongings. Every drawer has stories overflowing, closets are museums of memories and the contents of each room whisper about the moment in time they became part of your home. So how do we bring honor to a lifetime of memories, without being weighed down? Be…