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The 10 Best and 10 Worst States in Which to Retire in 2021

Retirement, particularly the decision where to retire, is about more than just money.

For you and your clients, end of your (and their) career raises numerous questions about where and how to spend your days now that you’re no longer tied to a specific location. 

Should you settle by the beach or in the mountains? Do you prefer golf or cross-country skiing? Perhaps most important, where do your children, grandchildren, friends and health care providers live? These are all deeply personal questions that transcend dollars and cents.

In a recent study, Bankrate looked at a number of public and private data sets related to the life of a retiree to determine where each state stands. The study examined five categories (weightings in parentheses): affordability (40%), wellness (20%), culture (15%), weather (15%) and crime (10%).

According to Bankrate’s study, Georgia is the best state in which to retire, followed by Florida, Tennessee, Missouri and—surprisingly—Massachusetts. Maryland, on the other hand, held last place in our ranking. The state was dragged down by a lack of affordability and by mediocre scores on culture and weather.

Here are the rest of the 10 best (and 10 worst) states to retire in 2021:

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