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No theory based studies have been done that explain why post-retirement adults are physically inactive. The purpose of this descriptive study was to test the ability of Social Cognitive Theory (SCT) constructs to predict intentional exercise among post-retirement adults. The sample consisted of 108 Columbus, Ohio area senior center members. Based on a six-month measure, the following model accounted for 52.3 percent of a variance in exercise: barriers to exercise, social support for exercise, exercise self-efficacy, benefits of exercise, and enjoyment of exercise. SCT was useful in predicting intentional exercise in post-retirement adults. It is suggested that exercise programs based on SCT be developed and tested on post-retirement adult populations.