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A speech topic that would be appropriate for a group of retirees would be, to me, to explain that once retired from one's main employer life and one's aspirations and drive do not end there. For example, it is still possible to earn money but less strenuously and rigid than punching a clock by, for example doing freelance work on the internet. Also, now that there is more time, one can pursue his/her real interests of say, writing a book, becoming an artist or supporting progressive politics, for example.
Submission or adherence to existing norms is safer than going against it especially if you are inexperienced or if you do not understand them. In other words, it is better to stay passive or be compliant when you have not experienced it or when you lack new and not used to it.
