Over the past two decades, Australia has seen a notable increase in migration from Africa, with the population of African-born residents evolving over time. As first-generation migrants from sub-Saharan Africa approach retirement age, attention is turning to how they envision and prepare for later life. This paper draws on PhD research exploring the retirement preparations and post-retirement settlement intentions of Sub-Saharan African migrants in Western Australia. Framed within the context of ageing well, the study highlights the central role of social context in shaping these decisions, particularly in relation to social connectedness, belonging, and the risk of loneliness. This study utilised a qualitative design, underpinned by Grounded Theory, to generate theory grounded in participants’ lived experiences. Semi-structured interviews were conducted with 20 Sub-Saharan African migrants currently residing in Western Australia. Findings indicate that family is the primary factor shaping post-retirement settlement decisions; however, its significance is closely tied to its role in mitigating anticipated loneliness and social isolation, which remain central to participants’ experiences and contribute to ambivalence about where to age. While some participants viewed returning to their countries of origin as a pathway to stronger social connection and belonging, others identified the ability to maintain relationships and engage in community life in Australia as key strategies for reducing isolation. The findings position loneliness as a forward-looking determinant of ageing decisions and underscore the need for culturally responsive, community-based supports in Australia that strengthen social connectedness, belonging and family support to promote ageing well among older migrants.