The paper introduces the ecosystem architecture of “5G+ smart pension service”, elaborates the function design and implementation from the perspectives of individuals, families and society, and expounds the key technologies related to the ecosystem, including network deployment, short-distance communication, personalized recommendation and so on. The study provides a theoretical framework for the smart pension service mode integrating multiple technologies and broadens the thinking of the smart transformation and upgrading of traditional pension service, which has certain practical guiding value.