11. Carmel-by-the-Sea, California

If you have a robust retirement portfolio and dream of a premium coastal lifestyle, Carmel-by-the-Sea offers unparalleled beauty and a deeply engaged community. California is notoriously expensive and heavily taxes most forms of retirement income; however, it notably does not tax Social Security benefits.

For those who can afford the high housing costs, Carmel provides a magical, pedestrian-friendly village atmosphere, incredible weather, and a fiercely protective community spirit.

12. Fort Collins, Colorado

Rounding out the list is Fort Collins, a city that offers a slightly more affordable alternative to Boulder while delivering the same active, outdoor-centric lifestyle. Situated at the foothills of the Rocky Mountains, the city features miles of paved biking trails, excellent local healthcare, and a vibrant downtown.

The strong community resources dedicated to older adults make it easy to transition into the area and build a new social circle.