This study employs a causal loop diagram (CLD) to model the dynamics of the aging-in-place (AIP) system, using constructivist grounded theory (CGT) to explore latent user needs, product innovation, service offerings, and experience design within the context of AI and robotics. The paper presents a conceptual framework for integrating AI and robotics into AIP services. This framework defines four AI archetypes spanning physical and digital presence and addressing cognitive and functional needs: Advisor AI, Butler Robot AI, Valet Robot AI, and Systems AI. Semi-structured interviews were conducted with four recently retired individuals (mean age 70) in Boston, USA, to gather insights into their perspectives on AI and robotics for independence and well-being. Findings revealed participants’ expectations and challenges regarding health monitoring, social well-being, and assistance with daily routines. Key factors such as trust-building, life-stage integration, and service adaptability were emphasized, contributing to the refinement of the proposed framework. The primary contribution lies in raising social awareness regarding housing policy development and technological innovation in AIP. Future research should include pilot testing in real-world scenarios to explore AI- and robot-driven AIP archetypes, expanding the conceptual framework to address ethical considerations, cultural contexts, and adaptive technologies.