The Conversation Around Aging Is Changing

For generations, conversations about aging have centred on preventing decline, accessing support, and preparing for limitations. Those conversations remain important, but they do not tell the whole story.

Today's adults over 55 are entering this chapter with different expectations. They want to travel, stay active, build friendships, explore new interests, spend time with family, and continue contributing to the world around them. They are not asking only, "How can I remain independent?" They are also asking, "What do I want the next chapter of my life to look like?"

That question represents the future of healthy aging. It shifts the focus from maintaining life as it is to creating more possibilities for what comes next.

The World Health Organization defines healthy aging as developing and maintaining the abilities that support well-being as we grow older. Canada takes a similarly broad approach, recognizing physical, mental and social health, independence, and quality of life as important parts of aging well.

In everyday life, healthy aging can mean having the energy to take a morning walk, the confidence to try something new, people nearby to share life with, and enough freedom to spend your time on what matters most.

It is not simply about adding more years to life. It is about adding more life to those years.

Healthy aging does not look the same for everyone. For one person, it may mean travelling and joining group activities. For another, it may mean gardening, reading, volunteering, or spending more time with family. There is no single right way to age well. There is only the way that fits you.

There is no age limit on discovery. Learning a language, using new technology, joining a photography group, trying a new recipe, or travelling to an unfamiliar place can bring freshness and momentum to daily life. Curiosity keeps the future interesting. It reminds us that identity is never finished and that every stage of life can hold something new.

The question is not, "Am I too old to begin?" It is, "What would I enjoy learning next?"

Over the next few posts, I will explore some of the most important ways the conversation around aging is changing. I will look at the opportunities, the challenges, and the practical steps we can take to make the most of this chapter of life.

Here is what is coming:

• Travel as the hidden superpower seniors have because they have flexibility.

• Physical activity as one of the foundations of healthy aging.

• Feeling known, included, and connected and how life transitions can sometimes change established social circles.

• Purpose does not disappear when you age,it changes. And in many cases, having more time creates an opportunity to rediscover it.

I hope you will join me for the journey.

How does retirement begin I was asked.

One of the things I've noticed over the years is that retirement rarely begins the way people expect it to.

After the retirement party, the speeches, the cake, and the promise to "keep in touch," there comes an ordinary Tuesday morning. The alarm doesn't ring. There is nowhere you have to be by 8:30. The phone is quiet, and for a moment you wonder, Now what?

I've talked with many new retirees who confess that those first few weeks felt surprisingly unsettling. One gentleman told me, "I didn't realize how much of my identity was tied to what I did every day." Another laughed and admitted that by the third morning he was reorganizing the garage, not because it needed it, but because he needed something to accomplish.

If you've ever felt that way, let me reassure you.

Everything is fine.

You haven't lost yourself. You've simply stepped into a season of life that doesn't come with a job description. For decades your calendar told you who you needed to be each day. Now you have the opportunity to decide that for yourself.

That can feel uncomfortable at first, but it is also wonderfully liberating.

Think for a moment about the life you've already lived.

You have solved problems that seemed impossible. You have worked long days, raised families, cared for aging parents, comforted friends, volunteered in your community, and quietly carried responsibilities that no one else even knew about. Along the way, you've influenced countless lives.

Some of those moments were dramatic. Most weren't.

Perhaps it was encouraging a young coworker who lacked confidence. Maybe it was coaching a Little League team, helping a neighbour shovel snow, or simply being the person everyone could count on when life became difficult. We often underestimate the difference we've made because we were simply doing what needed to be done.

Looking back, I suspect most of us can also remember times when we were convinced life had taken a wrong turn. We lost a job, faced illness, struggled financially, or watched carefully laid plans disappear overnight. Yet somehow, we found another path. What felt like the end often became the beginning of something even better.

Retirement is much the same. It isn't the closing chapter. It's the page where a new story begins.

I know people who discovered a love of painting after seventy. Others became mentors to young people, started volunteering at food banks, learned to play an instrument, joined hiking groups, travelled to places they had only dreamed about, or finally found time to write the family stories their grandchildren will treasure for generations.

None of those accomplishments appeared on a résumé, but every one of them mattered.

Retirement's greatest gifts is the freedom it gives us to choose where we invest our time, our energy, and our hearts.

So, give yourself permission to be proud. Be proud of the decades you worked, the family you supported, the friendships you built, and the obstacles you overcame. Celebrate the wisdom you've earned. You've changed lives, including your own, and those accomplishments deserve to be honoured.

Then give yourself permission to look ahead. Stay curious. Take a class you've always wanted to try. Read the books you've been putting off. Volunteer. Learn a new skill. Join a club. Invite someone for coffee. Say yes to an opportunity that makes you just a little nervous.

After all, you've been here before. You've faced uncertainty, and you've found your way through it. You've been knocked down, and you've stood up stronger. You've moved mountains that once looked impossible to climb.

There is every reason to believe you'll continue to do remarkable things.

The best part is that this time you get to decide what "remarkable" means. It may not come with a promotion or a paycheque. It may come in the smile of a grandchild, the gratitude of someone you've helped, the satisfaction of learning something new, or the joy of waking each morning knowing the day belongs to you.

Retirement isn't about slowing down; it is about moving forward in a different direction.

Your working years prepared you for this chapter. Now it's time to write it with confidence, gratitude, and a sense of adventure.

After all, your story isn't ending.

It's simply waiting for you to turn the page.

The Adventure Isn't Over Yet

 A poem as a change of pace.

The finest stories are seldom planned;
They bloom where no one understands.
Not from the paths we've always known,
But seeds of wonder newly sown.

Do not cling to what you know,
the well-worn road, the settled way.
The seeds of wonder only grow
when you step into the unknown gray.

Turn your back on safe and sure,
the clichés worn so smooth and plain.
Brave the darkness, find the cure
for staleness in the heart's domain

Step past the familiar, safe, and sure,
For every dream needs something more.
Leave yesterday with grateful grace,
And greet tomorrow face to face.

When life grows quiet, pause and hear
The whispered hopes still waiting near.
In moments calm, new visions start.
A spark of courage in the heart.

Act as if the path is clear,
as if the vision is your own.
The words will come, the light appear,
illuminating what you've known.

For you were summoned long ago
to this adventure, this new start.
The stories that you've yet to show
have always lived within your heart.

It's never too late to begin
to take the brush, to learn, to start.
The artist waits just there within.
The story waits to be your art.

Try the painting, write the song,
Take the trail you've skipped so long.
Learn a dance, explore a place,
Smile at every new embrace.

Each fresh adventure, large or small,
Reminds us we can still stand tall.
A curious mind will always find
New treasures waiting just behind.

Raise your pen or lace your shoes,
There's still so much for you to choose.
The words, the dreams, the hidden light
Have waited patiently in sight.

Age is not a closing door;
It's an invitation to explore.
Each sunrise offers one more chance
To join life's unexpected dance.

So, write a chapter bold and true,
Filled with things you've longed to do.
Your greatest story may yet be
The one that sets your spirit free.

For life is richest when we dare
To meet the unknown waiting there.
The future isn't written through
It's waiting to be dreamed by you.

 

How to Find Your Lost Pension (Before It's Too Late)

 In my last post, I talked about the staggering number of Canadians who have lost track of pension benefits they earned over their careers. Nearly 200,000 people in Ontario alone are considered "missing" by their pension plans, leaving behind $3.6 billion in unclaimed entitlements.

But here is the good news: that money is still there. It belongs to you. And you can claim it.

The challenge is that it takes effort to find. Pension plans are not going to hunt you down. The responsibility is on you to track them down.

I decided to take my own advice. I contacted the BC Unclaimed Property Society and searched for my name and my wife's name. We didn't find anything. My children didn't find anything either. It was reassuring to know that we had not left any money behind, but I also know that not everyone will be so lucky.

The search is free and takes just a few minutes. You can do it online at bcunclaimed.ca/search. If the system finds a possible match, you will be contacted by mail. Then you just need to verify your identity and claim what is yours.

If you suspect you might have a lost pension, here is a step-by-step approach.

Step 1: Start with your own memory.

Make a list of every job you have ever had. Write down the employer name, the city or province, and the years you worked there. Do not worry if you cannot remember all the details, just write down what you can.

Step 2: Contact former employers.

This is the most direct approach. Call or email the human resources department of every employer on your list. Ask if they have a pension plan and whether you have any entitlement. Be prepared to provide your full name, date of birth, and Social Insurance Number (or the equivalent at the time).

If the company no longer exists or has been bought out, you may need to do additional research. The pension plan may have been transferred to another administrator.

Step 3: Search online databases.

In British Columbia, the BC Unclaimed Property Society maintains a free searchable online database at bcunclaimed.ca/search.[reference:20] The Society holds more than $222 million in unclaimed funds, including pensions, payroll cheques, and other financial assets.

If the database finds a possible match, BC Unclaimed will contact you by mail. You will need to provide identification and documentation to verify that you are the rightful owner.

Step 4: Check with pension regulators.

Each province has a pension regulator that oversees pension plans. In British Columbia, the BC Financial Services Authority regulates pension plans. In Ontario, the Financial Services Regulatory Authority (FSRA) oversees pension plans and provides information about missing members.

Step 5: Look for federal pensions.

If you ever worked for the federal government, the Canadian Armed Forces, or the RCMP, you may have a federal pension. Contact the Government of Canada Pension Centre at 1-800-277-9914.

Canada is not alone in facing this issue. Other countries have created systems to help people find their lost pensions.

In the United Kingdom, the government operates a free Pension Tracing Service. You can search online at gov.uk/find-pension-contact-details or call 0800 731 0193. In 2025 alone, 834,000 people used this service to locate lost pension savings.

In the United States, the Pension Benefit Guaranty Corporation maintains an Unclaimed Pensions List on its website. You can search for your name at pbgc.gov. There is also the National Registry of Unclaimed Retirement Benefits, which is free to search.

In Australia, you can check for lost superannuation by logging into ATO online services through MyGov. The Australian Tax Office has reunited or paid out approximately 3.1 million unclaimed super accounts valued at nearly $5.5 billion since 2022.

Every year you wait, the money stays unclaimed. It does not grow in your pocket; it grows in someone else's. And if you never claim it, it may eventually be transferred to a government fund or donated to charity.

In British Columbia, BC Unclaimed has donated over $80.4 million to the Vancouver Foundation since 2004. That is wonderful for the community, but it also means that money never reached the people who earned it.

If you have a lost pension, it is yours. It is not a gift. It is not a handout. It is money you earned through years of work.

And if you do not claim it, you may never get it.

Retirement is expensive. Every dollar counts. A pension you earned decades ago could make a meaningful difference in your quality of life, whether it pays for a vacation, helps cover unexpected expenses, or simply gives you a little more breathing room each month.

Do not leave that money on the table. Take the time to search. Contact your former employers. Check the online databases.

The money is there. It belongs to you. And it is waiting for you to claim it.