What Often Gets Overlooked in Retirement Planning

It’s easy to focus on:

• Home prices

• State income tax

• Warm weather

But retirees should also examine:

• Crime statistics (especially violent crime)

• Property insurance costs

• Access to hospitals and specialists

• Climate risks (hurricanes, wildfires, heatwaves)

• Long-term infrastructure stability

A low home price means little if healthcare is limited or insurance premiums are soaring.

Why “Affordable” Doesn’t Always Mean “Smart”

Many towns market themselves based on cost of living alone. But retirement is about more than affordability. It’s about sustainability—financially, physically, and emotionally.

You may spend more time at home. You may rely more heavily on local healthcare. You may want walkable areas, community engagement, and safe surroundings.

A retirement town should reduce stress—not introduce new uncertainties.