Aging Your Way: Phil and Cheryl create a new home for their well-being

Aging Your Way: Phil and Cheryl

For many people, aging in place isn't about staying in the same house forever — it's about living in a setting that best supports their health, safety, independence and quality of life.

In this Aging Your Way series, UnitedHealthcare shares real stories from older adults who have found different paths forward and the lessons they've learned along the way.

Married for 47 years, Phil Moeller and Cheryl Magazine both have had long, successful careers in writing and photography, respectively. Cheryl worked as a photo editor for publications such as U.S. News and World Report, and Phil is an award-winning financial journalist who has co-authored several best-selling books on Medicare, Social Security and retirement since moving on from stints in journalism at publications such as The Louisville Courier‑Journal, The Baltimore Sun, and The Hartford Business Journal, among others.

On top of their careers, they are now navigating the aging process. The couple put down roots in Richmond, VA in 2005, but arrived at a crossroads after some major health issues popped up over the past few years.

As they aged, the couple found themselves with a front-row seat to some of the major health issues that Phil had been writing about. First, he had knee surgery in 2019 and then  had both shoulders replaced in two separate surgeries in 2023 and 2024. Cheryl, in turn, experienced two bouts of breast cancer and stage 4 lung cancer.

“You don’t get to 75 without having a story,” Cheryl said.

Previously, Phil and Cheryl lived in an old house in a historic neighborhood in Richmond, but realized after Phil’s knee surgery that, with the repair of a 100-year-old slate roof looming, they were not in their “forever house.” They decided to build a house from the ground up, in a housing community for older adults — with a working farm at its center.

“When we came out here, it was a pile of dirt,” Phil said, “and we would drive out every couple of weeks and look at the progress in the pile of dirt.”

Moving into the house also provided a great opportunity to prune the amount of “stuff” they had accumulated over the years. 

Adapting to a new life

The new house doesn’t have a single step or stair in it, allowing for ease of movement wherever they are, whether it’s using the walk-in shower, working or cooking. Even the toilet paper fixtures can be used as grab bars. And there is minimal carpeting to help prevent falls.

Aside from the house itself, the community has also been convenient for connection with others. With loneliness and social isolation known to contribute to cognitive decline, heart disease and depression among older adults,1 the neighborhood has been invaluable.

“There are great people here and we've really bonded with many of them. It's almost like your first year in college, dorm time,” Cheryl said. “Everybody's ready to make new friends in a way that you don't find in your middle years because people are so busy with their careers and families or whatever. So that's been great.”

Phil’s most recent recovery -- from spinal surgery in November -- has been slow and steady, with rehab twice a week, and they are both careful about their health. As they age, they know that adjustments might need to be made for their long-term wellness. But they are happy to be in the home that they built. It’s proven to be a thoughtful and mindful place for their specific needs.

“We're pretty optimistic that we have a lot more good days in front of us,” Cheryl said, “but we invest in trying to make sure they're good.”

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