This pairing of a white and navy polo and white dress pants is a real lifesaver when you need to look effortlessly smart but have zero time to plan out an outfit. You know how to smarten up this look: loafers. This pairing illustrates that hitting 50 is no reason to let your sartorial standards slip.
For an outfit that's super simple but can be smartened up or dressed down in many different ways, go for a white and navy polo and grey dress pants. Get a little creative in the footwear department and add loafers to the equation. This getup is probably what you've been looking for as a middle-aged guy.