Hi
My wife and I moved to HB last Aug from the UK. We love it here and wouldn't move. We live on the Esplanade at point Vernon and wake up to a sea veiw. Yes it is fairly quiet, it picks up in the tourist season, the shops are the basics, ut the Sunny Coast malls are only a couple of hours away for a shopping fix.
Yes there is a big retirement population, so what? My wife did get a job in Maryborough, but there are not too many employment opportunities around. The beaches and esplanade are beautiful and there others nearby, all with public BBQ's. The fishing is good! Whale watching is out of this world. As far as crime, well I don't hear of much, but every day there is a shooting or somethinf serious in Sydney etc! The people have all been so freindly. Dr's dentists etc are plentiful + good hospital.
Your older kids may get bored, depends on what they want to do, if it is Uni they may go to the sunny coast (2 hours).
Where you live is what you make it, and HB is just fine for us!