Aging Solo, Planning Smart: How to Thrive Without a Built-In Support System

We are all on the journey of aging, but some are navigating it without a partner or adult child for support. This growing demographic—known as solo agers—is on the rise. According to the U.S. Census Bureau, one in four adults over 65 is aging alone and this number is expected to increase as baby boomers continue to move through the cohorts.

Growing older with a spouse, partner or close family member often provides built-in support, but many solo agers embrace the freedom to design their future on their own terms. They control where and how they live and proactively create a care system that aligns with their preferences.

Many solo agers develop strong social networks and appreciate that their care won’t fall on family members. They also tend to be more proactive in planning, knowing that decisions will otherwise default to others.

However, solo aging also comes with unique challenges:
Loneliness and isolation – Living alone can sometimes lead to reduced social interaction, making it essential to build and maintain meaningful connections.
Complex care planning – Without a built-in support system, solo agers must plan for potential care needs, including in-home care, assisted living and skilled nursing.
Financial independence – Couples often have dual incomes or shared resources. Solo agers must ensure they have adequate savings or insurance to cover future needs.

That said, aging solo doesn’t mean aging without support. And having a spouse or family doesn’t always guarantee the support you prefer. In fact, at some point, most individuals—whether in a partnership or not—will face a period of solo aging. That’s why planning ahead is essential for everyone.

Consider these steps to age well, whether you're a couple or single:
1. Create a Legal and Financial Plan – Establish a will, advance directives and power of attorney to ensure your wishes are honored.
2. Build a Strong Support Network – Create meaningful relationships with friends, neighbors and community groups.
3. Make Housing and Care Plans Early – Research living options that match your long-term goals and ensure you have a plan for potential care needs.
4. Prioritize Health and Wellness – Stay proactive with medical care, physical activity and mental well-being.

When growing older, the goal remains the same—to live a fulfilling, secure and well-planned future. Thoughtful preparation provides peace of mind and ensures that you have the support and resources needed to age on your own terms—and that's a benefit for everyone.