11 critical things to consider when choosing where to retire

Whether you are retired or are only beginning to plan for retirement, you probably know that there's no shortage of books and websites with lists and quizzes to help you choose a new location for life in retirement. We've got plenty of our own: Where to retire abroad, best and worst states for retirement, go West to retire, and more.

Lists are fun reading. But when it comes to making your own decisions, things get personal. Then, it's time to evaluate what matters most to you, not to the list-makers.

To find a locale that works best for you, focus on these 11 factors when looking at retirement locations:

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