Inclusion Criteria:  Age > 65 years Men (CHADS-VASc score ≥2) AND Women (CHADS-VASc score ≥3) AF and not on OAC therapy but eligible AF and on sub-optimal or inappropriate OAC therapy Written informed consent  Exclusion Criteria:  AF on optimal OAC therapy OAC required for other conditions (i.e. DVT/PE, PCI in prior year, left ventricular thrombus, etc.) Currently taking two antiplatelet agents Uncontrolled hypertension (defined as SBP ≥160 mmHg x 2 BP readings measured at screening) End-stage renal disease (CrCl <15 ml/min or dialysis) Major surgery in prior month (defined as surgery requiring general anesthesia and overnight inpatient hospital stay) History of "major bleeding" in prior year (defined as overt bleeding at critical site including intracranial, intraspinal, intraocular, pericardial, GI bleed, bleed requiring hospitalization, bleed resulting in ≥20 g/L drop in hemoglobin or requiring transfusion of ≥2 units packed cells) Excess alcohol intake (≥8 alcoholic drinks/week) Inability to read or understand English Participants considered unreliable by the Investigator or designated pharmacy team member concerning the requirements of follow-up, or those with foreshortened life expectancy precluding 3-month follow-up Severe cognitive impairment (≥5 errors on the Short Portable Mental Status Questionnaire) Pregnant women