2022 Summer Ideal-LIVING

Have the best of both: lifestyle + location.

THIS IS TOWN IN NATURE

A burger spot down on the corner. UF Health and the Y just up the street. Parks and trails around every bend. And trees ... well, everywhere. You could say that Wildlight is more than a place to have a home, it’s a place to truly live.

Riverside Homes and Pulte Homes have outdone themselves here, offering expansive front porches, picture-perfect kitchens and airy open space, for starters. And now Del Webb has joined the mix—with luxurious residences set within a gated 55+ community, complete with exclusive resort-style amenities (and 9 brand-new models to tour). And for those wondering about our location? We’re conveniently situated in what we like to say is the center of it all, with the comfort of Amelia Island and the culture of Jacksonville within easy reach. Intrigued? Come see.

Homes priced from the $400s.

SUMMER 2022

VOLUME 24, NUMBER THREE

PUBLISHER

RPI Media, LLC.

PRESIDENT

Michael Hackeling

EDITOR-IN-CHIEF

Kelly Godbey

CONTRIBUTING WRITERS

Kelly Godbey, Warren Grant

Kim Henry, Madison Swart

JG Walker

GRAPHIC DESIGN

Kelly Godbey

Ashley Summerlin

Amber Whittington

PRODUCTION COORDINATOR

Laurie Kent

DATABASE MANAGER

David Heck

IDEAL-LIVING.COM

David Heck, Will Weinel

MARKETING COORDINATOR

Gina Sellers

ADVERTISING SALES

NC, Myrtle Beach, SC, TN, DE,VA,WV, PA, NJ:

Daniel Keir | dkeir@ideal-living.com SC, GA, FL:

Fred Warren | fwarren@ideal-living.com

Western U.S. & International:

Dana Leyva | dana@ideal-living.com

Sales Coordinator: Laurie Kent (800) 736-0321

www.rpimedia.com

The real estate projects and services advertised in this magazine constitute advertisements of the owners or their agents. RPI Media, LLC.® makes no representations or warranties concerning such advertisements. Interested parties should direct their inquiries to the appropriate parties listed for information concerning any of these advertisements. The advertisements contained construed as an offer to residents of the states of New York or New Jersey, or where otherwise prohibited by law. Questions on the availability of offers should be directed to the advertiser. Publisher’s notice: All real estate advertised herein is subject to the Federal Fair Housing Act, which makes it illegal to advertise “any preference, limitation, or discrimination because of race, color, religion, sex, handicap, familial status, or national origin, or intention to make any such preference, limitation or discrimination.” We will not knowingly accept any advertising for real estate which is in violation of the law. All persons are hereby informed that all dwellings advertised are available on an equal opportunity basis. Obtain the Property Report required by Federal Law and read it before signing anything. No Federal Agency has judged the merits or value, if any, of this property.

The Best Places to Live

With tens of thousands of master-planned communities in America, you might ask, how do you come up with a list of America’s 100 Best Places to Live? The answer is that there is no one definitive list, but we’ve researched communities from our readers’ most-desired areas based on survey results. Each year we survey our readers to determine the most popular destinations and amenities. The destinations featured in this special issue are representative of those desires.

Most of our readers are looking to escape high taxes and find a better climate and quality of life. Whether you would like to move to the mountains or the coast or even internationally, the communities in this issue should help give you ideas of where you might want to live.

The housing market has exploded over the past two years, and inventory levels remain at all-time lows. As many of our readers are 18 to 24 months from relocating, the real estate market is sure to change again. But now is the perfect time to decide where you would like to live. Even if you are a year or more away from making the move, it might be a good time to start with your home plans or getting under contract as the average time to build a new home is between nine to 15 months. If you are looking to purchase an existing home, you might still need to place bids on multiple properties. The market does show signs of softening with the increasing interest rates, but demand is still very high. However, the most important thing to think about is improving your quality of life.

It is our hope that you will read about these location and the lives of people who have relocated and that you will get out and visit these amazing cities and masterplanned developments to find your ideal life.

phone over the image to bring it to life!

Your home is more than just shelter from the elements. It’s a scrapbook of past memories and a blank page for new stories. It’s where board game winning streaks are broken, family recipes are passed down to the next generation, and solo music acts become not-so-solo.

Your home is an endless library to a lifetime of memories. Write your next story.

(302) 226-1994 | SchellBrothers.com

© 2022 Schell Brothers LLC. All Rights Reserved. All information is subject to change without notice.

New homes from the high $200s

Latitude

resort amenities

community inspired by the

music and lifestyle of Jimmy Buffett, built on food, fun, music and escapism.

• Fins Up! Fitness Center with Indoor Pool

• Tennis and Pickleball Courts

• Barkaritaville Dog Park

• Walking Trails and Multi-Use Sport Court

SALES CENTERS & 13 MODELS OPEN Daily!

Obtain the Property Report required by Federal law and read it before signing anything. No Federal agency has judged the merits or value, if any, of this property. WARNING: THE CALIFORNIA BUREAU OF REAL ESTATE HAS NOT INSPECTED, EXAMINED, OR QUALIFIED THE OFFERINGS. Latitude Margaritaville Kentucky Registration Number R-201. For NY Residents: THE COMPLETE OFFERING TERMS FOR THE SALE OF LOTS IN LATITUDE MARGARITAVILLE AT DAYTONA BEACH ARE IN THE CPS12 APPLICATION AVAILABLE FROM SPONSOR, MINTO COMMUNITIES, LLC. FILE NO. CP17-0092. THE COMPLETE OFFERING TERMS FOR THE SALE OF LOTS IN LATITUDE MARGARITAVILLE AT HILTON HEAD ARE IN THE CPS-12 APPLICATION AVAILABLE FROM SPONSOR, MINTO LATITUDE HH, LLC. FILE NO. CP18-0021. THE COMPLETE OFFERING TERMS FOR THE SALE OF LOTS IN LATITUDE MARGARITAVILLE WATERSOUND ARE IN THE CPS-12 APPLICATION AVAILABLE FROM SPONSOR, LMWS, LLC. FILE NO. CP20-0062. Pennsylvania Registration Numbers OL00169 (Latitude Margaritaville at Daytona Beach), OL001170 (Latitude Margaritaville at Hilton Head) and OL001182 (Latitude Margaritaville Watersound). Latitude Margaritaville at Daytona Beach, Latitude Margaritaville at Hilton Head and Latitude Margaritaville

Westridge Properties, LLC

What are Ideal-LIVING readers looking for?

The past few years have generated record-breaking sales across the U.S. and beyond. Over 30,000 Ideal-LIVING readers relocated in 2021, according to the U.S. Postal Service Change of Address, mainly seeking lower taxes and warmer weather. Each year Ideal-LIVING surveys our readers, and we like to share those results with you so you can see what others are looking for. We compared our results with the results from the 2021 United VanLines Study and found a lot of similarities, especially where people are moving from and where they are moving to.

Of the readers we surveyed, close to 60% said they are just beginning their search, and 67% percent said they would not relocate before they retire. And, as usual, proximity to quality health care is of primary importance. Another thing that has not changed is their desire for walking trails, fitness centers, and shopping and dining experiences. Retirees desire a healthy lifestyle. They want to spend their time exercising

socializing.

Port St. Lucie’s most eagerly awaited new 55+ active adult community is now open! Located in the exciting masterplanned community of Tradition, Telaro features gorgeous villas and single-family homes with a variety of stylish and elegant home designs to choose from. You’ll love our resort-style amenities and the connectedness and convenience that comes with living in Tradition.

Discover Tradition’s endlessly inspiring possibilities. Mix fitness, adventure, relaxation and fun in a community that connects it all seamlessly – from T-Trail walks with friends, to yoga classes at the Town Square, to comedy and concerts at the event lawn. Telaro at Tradition has it all!

CLOSE TO EVERYTHING:

Local beaches

Shopping and dining

Outdoor recreation

Year-round entertainment

Educational experiences

BUILT-IN TOWN CENTER:

Convenient shopping

Restaurants and cafes

Community events & classes

Weekly farmers market

Event lawn

AMENITIES GALORE:

20,000 sq. ft. clubhouse

TIM autonomous shuttle

Electric bike share

20-mile mobility trail system

300 acres of parks

Resort-style pools

Poolside cafe and market

Fitness center

Outdoor recreation

Sports courts

Card rooms

Therapy lounge

Demonstration kitchen

Craft rooms

AT EMBREY MILL

AMENITIES

• Private Cascade Club featuring:

- Event kitchen

- Lounging area with fireplace

- Yoga room & weight room

- Meeting & Game rooms

- Sundeck with multiple outdoor grills

- 2 fire pits

- Oversized chess/checkers board

• 2 Pickleball courts

• Bocce ball courts

• 2 Community pools

• Miles of walking or biking trails

• Grounds Bistro & Café

The Carolinas

It’s easy to see why retirees are flocking to the Carolinas. The kind of blue skies that people write songs about. World-class universities and medical care. Nascar races and fierce basketball rivalries. All sorts of landscapes from mountainous to beachy. Life can’t get any better than this. Charlotte and the Research Triangle are centers of innovation, and Wilmington and Charleston are historical coastal cities with offerings like walking tours, festivals, boutique shops, and farmers markets. Plus, there are so many quaint small towns to discover. Wherever you choose to explore, you’re sure to experience a warm, welcoming atmosphere full of good food, beautiful scenery, and southern charm. Sunrise to sunset, the Carolinas are just simply a beautiful place to be.

“Imagine that you’re 12 years old, you've finished school, and you just got let out for summer. It’s that feeling of freedom with no responsibility, that fun is ahead for the next several months. That’s the feeling I have every day.”

~ Beau Coast Homeowner, Beaufort, NC

Stunning Mountains and Pristine Beaches

North Carolinians embrace their traditional small-town values while simultaneously promoting the state’s dynamic growth, which has made it a national leader in business and financial services, higher education, and cutting-edge medical research and innovation.

5.25% Personal Income Tax Rate

Effective Property Tax Rate (approx $3,800 per $500,000 valuation)

0.77% No Estate Taxes

Social Security is Exempt

North Carolina has added nearly 900,000 new residents over the past decade. About 70 percent of that total growth has been from people moving in from other states, including retirees and working families who’ve found new homes and an active lifestyle in master-planned communities from the mountains to the sea.

“What we found at River Dunes was a respect for the land, waterways, and wildlife, along with a desire to live in harmony with it.”

P. Skaar, River Dunes, Oriental, NC

Resources and Recreation

Farm-to-Table Water Sports Hiking + Biking

Boating, kayaking, and fishing are major outdoor recreations in North Carolina. In addition to 320 miles of Atlantic Ocean shoreline and 12,000+ miles of estuary coastline with saltwater sounds and bays, the state has more than 37,000 miles of rivers and streams plus 1,500 lakes of 10 acres or larger.

Well over 600 miles of hiking trails meander through North Carolina’s 41 state parks alone, plus the 1,175mile Mountains-to-Sea Trail that traverses the entire state and a 311-mile section of the Appalachian Trail in the western mountains. North Carolina is also home to about 550 golf courses.

Climate

There are around 50,000 farms in North Carolina, the majority of which are relatively small at less than 200 acres. The state is among among the nation’s leading producers of sweet potatoes, soybeans, and cotton, as well pigs, chickens, and turkeys. With orchards, vineyards, and vegetable fields throughout the state, local farmers markets are open for business nearly every week of the year.

The climate in North Carolina varies with its diverse topography, which ranges from oceanfront barrier islands in the east to mountain peaks as high as 6,600 feet above sea level in the west. Coastal areas have breezy summer highs around 90º, with winter lows rarely below freezing. The mid-state Piedmont region can actually be a bit warmer in the summer months and may see a few inches of snow in the winter. Ski resorts in the western mountains welcome about four inches of winter snowfall per month, while summer days are comfortably cool and the fall colors are spectacular.

Outer Banks

The Outer Banks are a series of barrier islands perched on the edge of the continent and connected by 150 miles of seaside roads and bridges. Along the way are laid-back towns with fresh seafood restaurants and pristine National Seashore beaches.

Beaufort

Beaufort is an award-winning town on the state’s Inner Banks coastal region that’s home to the North Carolina Maritime Museum. The waterfront area is also the departure point for water-taxi rides to the Cape Lookout National Seashore and the Rachel Carson Coastal Reserve.

New Bern

The town of New Bern is set on high bluffs above two rivers that flow into the Pamlico Sound. It’s a popular destination for boaters and kayakers that also offers walking tours of the historic Tryon Palace and Gardens. The revitalized downtown features galleries, antique shops, and the pharmacy where PepsiCola was invented.

Wilmington

The historic city of Wilmington and its many area beaches offer water sports of all kinds, as well as leisurely strolls along the two-mile Riverwalk and bike rides on the cross-city biking trail. The downtown area features more than 40 locallyowned restaurants and pubs, plus a walkable historic district.

Southport

The picturesque waterfront town of Southport is also the ferry-ride gateway to iconic Bald Head Island, where private vehicles are not allowed and golf carts are the preferred means of travel to the beach and Old Baldy Lighthouse.

Brunswick Beaches

The naturally beautiful Brunswick Islands constitute more than 45 total miles of uncrowded beaches. Each of the islands has its own relaxing seaside town. In addition to nature-oriented attractions and intracoastal waterway cruises, the adjacent mainland features more than 30 top-flight golf courses and renowned fresh seafood restaurants.

Research Triangle

The Research Triangle is North Carolina’s center of technological innovation and cultural-arts attractions like The Carolina Theater. The flagship campuses for three major institutions of higher learning give the region its distinctive character: the University of North Carolina (UNC) in Chapel Hill, Duke University in Durham, and North Carolina State University in the capital city of Raleigh. Both Duke and UNC have renowned medical schools and research centers, while the UNC Hospitals network has toprated treatment facilities throughout the state.

Piedmont Triad

The Piedmont Triad area includes the cities of High Point, Greensboro, and Winston-Salem and is home to Wake Forest University and its affiliated Baptist Medical Center. Among the region’s leading cultural sites are the Southeastern Center for Contemporary Art, the world’s largest open-air habitat at the North Carolina Zoo, and the International Civil Rights Center and Museum. Another area highlight is Mount Airy, actor Andy Griffith’s hometown and inspiration for the fictional setting of Mayberry.

Charlotte

Charlotte is North Carolina’s largest city, with more than 2.5 million residents in the greater metropolitan area. The “Queen City” is the nation’s second-largest banking center, with headquarters for Bank of America, Truist Financial, and Wells Fargo, as well as corporate giants like Honeywell, Lowe’s, and Duke Energy. The city is also home to professional sports franchises in the NFL and NBA, the NASCAR Hall of Fame, and the Billy Graham Library, as well as more than a dozen college campuses and a broad range of cultural centers. Charlotte Douglas International Airport is a major travel hub, and the city’s unique LYNX urban light-rail network is currently over 20 miles long and expanding every year.

The Sandhills

The Sandhills Region of the North Carolina Piedmont is home to the towns of Pinehurst, Southern Pines, and Aberdeen. Set along U.S. Highway 1 and Amtrak’s primary north-south rail line, the area has been a popular vacation destination for more than 100 years with spas, antique shops, horse farms, and 40+ championship golf courses at destinations like Pinehurst Resort, Pine Needles, and Mid Pines.

“This is chapter two in life. And, when you meet other people in chapter two, everyone just seems happy. No one cares what you did in your old life; nobody cares what you do now. They just want to get together and have fun. You have to be careful because you meet too many people. Sometimes you might feel like you need to take a break from retirement, because it's so busy. The neighbors want to invite your over; there are bonfires on the beach and pickleball. Then people are saying, 'Let's meet at the club for dinner,' or 'What are you doing on Saturday?' Everybody is in a good mood. Everybody is just happy and goes with the flow here in St. James.”

Robert Remail, St. James, Southport, NC (moved from New Jersey in January 2021)

Boone

The mountain town of Boone is a center of arts and culture in western North Carolina. Home to Appalachian State University and its renowned music school, downtown Boone features art galleries, handicraft centers, wine bars, and sidewalk cafes that offer local farm-to-table fare. Nearby are hillside bed-and-breakfast inns, hot-spring spas, ski resorts, and highland trails to explore on foot or horseback.

Asheville

Asheville is one of America’s most unique mountain cities that’s both a welcoming vacation destination as well as a hub of regional commerce. There are more than 50 public parks within the city limits and two well-marked urban trails that include historic sites, museums, art galleries, an eclectic mix of restaurants with local and international cuisine, and more micro-breweries per capita than any other city in the nation. Asheville is also known for its year-round calendar of music

festivals and craft fairs, as well as the surrounding valleys with rushing streams that are ideal for trout fishing, kayaking, and whitewater rafting. Just outside of town is the Biltmore Estate & Gardens, with its iconic 250-room castle, sprawling gardens, majestic greenhouses, and tasty vineyards. In addition to all of these naturally fun activities, area residents also enjoy excellent health care services at top-rated medical centers like Mission Hospital-Asheville and the Asheville Specialty Hospital.

Blue Ridge Mountains

The Blue Ridge Parkway twists and turns for more than 250 miles through the most scenic highlands in the western North Carolina mountains. It’s a bucket-list adventure that everyone can enjoy from the comfort of their vehicle on a two-lane road with a maximum speed of 45 mph. Along the way are dozens of overlook stops to enjoy a picnic lunch or just admire the sweeping views. Popular sites like Grandfather Mountain, Linville Falls, and Mount Mitchell offer hiking trails to stretch your legs. Highland towns just off the Parkway feature lodge-style accommodations, pick-your-own apple orchards, wineries to sample the local vintage, and folk-art centers with unique crafts and bluegrass music concerts. Portions of the road are closed during the winter, but a Blue Ridge Parkway trip is unforgettable in every other season, especially when the autumn colors are at their glorious peak.

"Keith and I wanted to get closer to retirement and build our dream home, even though Keith is still working. I knew that I wanted to be closer to the beach. The beach is my happy place. We decided that 30 miles inland was perfect for us. We moved from Greensboro, NC, in 2014. River Landing is a lovely mix of young families and retirees. I’ve never lived in a planned development before, so having this pristine, beautifully-landscaped community is just beautiful. I play pickleball, walk, or bike ride every day. There is so much socially going on that you can pick and choose. You can just walk up to the club if you want to see people. But I don’t mind quiet time. I live in a small town, but if we need something more, we can get to Wilmington within 35 to 40 minutes, and I love the proximity to all the small towns around. It’s just charming.”

Hope Hall, River Landing, Wallace, NC

The Shades of Carolina Colours Suit You Perfectly

The blues of abundant waters flowing throughout this coastal region of North Carolina. The greens of our Bill Love-designed championship golf course. The many hues of life in a celebrated planned community, situated in New Bern, a town that is at once historical and modern.

It’s a picture perfect lifestyle, spent among friendly neighbors and fun-filled activities, including swimming, tennis, pickleball, a dog park and miles of walking and biking trails. And the convenience is further enhanced with a retail center at the community’s entrance. If you’re searching for a retirement community that celebrates the art of living, these are definitely your Colours. Inquire about our Discovery Package and come visit Carolina Colours for yourself. 252.636.3700 CarolinaColours.com

New Bern, NC

Emerging into the Future

South Carolina is home to historic cities, fabulous beaches, and even mountain areas. The explosion of residents to all of these areas is unprecented thanks to a healthy tax structures and a great climate.

0.55%

Effective state property tax rate, 6th lowest in the nation

7%

Top state income tax rate

Social Security and military retirement pay are exempt

Cost of living: More than 12% below the national average

South Carolina has a well-deserved reputation as a top-tier retirement destination. Still, an increasing number of younger workers and their families are also among new residents in the state’s many multi-generational communities.

Recent statistical summaries rank South Carolina as the 9th fastest-growing state by population. In terms of business growth during the same period, South Carolina ranks third in the nation, with noteworthy increases in the manufacturing, real estate, health care, and professional services sectors.

Climate

The Upstate region of South Carolina is in the foothills of the Blue Ridge Mountains, so a few light snowfall events in winter are not unexpected. Spring and summer days are generally cooler and dryer than in the rest of the state, with beautiful highland colors on display in the fall. The Midlands and Coastal areas can be warm and humid from May through mid-September, with comfortable daytime temperatures during the balance of the year and very few frosty winter nights.

"I tell people it’s like when you go to college. Everyone there is from somewhere else and is eager to meet new people. It’s really nice to see new people who step right into living here and being a part of Hampton Hall. This is a very friendly neighborhood. At bocce the other night, we laughed at the waves people have. There’s the ‘Hey, I don’t know you, but I’m waving anyway,’ and then there’s the ‘Hey, I know you with the bigger wrist wave.’

My husband I have moved about 10 to 12 times over the years for our careers, but nothing comes close to this. We are always saying, ‘I can’t believe we live here. I can’t believe we live in paradise.’ If you were to come and visit Hampton Hall, the first thing you would fall in love with is the beauty. When you come into the neighborhood, you come over the bridge with a breathtaking view of the golf course. To prepare for an upcoming game night, I’ve been at different events getting people to fill out surveys about what they like about Hampton Hall. Almost 70% responded with ‘the people,’ the rest were split between ‘the beauty’ and ‘the amenities,’ and a few people summed it up best with ‘everything.’”

Jill Friedman, Hampton Hall, Bluffton, SC

Lakes and Rivers

The Midlands region has four of the South’s largest man-made lakes—Moultrie, Marion, Murray, and Thurmond—covering nearly 300,000 total acres for boating and fishing for record-size bream and catfish. The Upstate lakes of Keowee, Jocassee, and Hartwell are smaller reservoirs but equally renowned for their bass- and trout-fishing spots. These clean freshwater bodies have countless forested coves to be explored by paddlers, who can also glide for 66 unobstructed miles on the Edisto River Canoe and Kayak Trail in the Lowcountry.

Hiker's Heaven

South Carolina is a walker’s paradise in every season, starting with the unique urban trails in the downtown areas of both Greenville and Charleston. Columbia has its network of riverside paths for shady strolling, plus a 2.4-mile elevated boardwalk through the primeval forests in nearby Congaree National Park. More vigorous hikers can rise to the challenge of the Upstate’s 77-mile Foothills Trail with its inclines and waterfalls or choose one of the 26 separate passages on the 500-mile Palmetto Trail that runs from mountain peaks to the Atlantic shoreline.

Golf Destination

South Carolina is home to more than 350 golf courses that are open for play year round. Many of those are resort and semi-private layouts, including 80+ in the Grand Strand region with award-winners like Tidewater, Caledonia, and TPC Myrtle Beach. Down the coast in The Lowcountry are famous championship hosts like Kiawah Island’s Ocean Course and Sea Pines‘ Harbour Town Golf Links on Hilton Head Island. That seaside region also features luxury private golf communities set along wetlands and tidal estuaries, while their Upstate counterparts offer highland layouts overlooking scenic freshwater lakes.

SOUTH CAROLINA COAST

HILTON HEAD/ BLUFFTON

Sparkling Gems of the Lowcountry

Hilton Head Island and Bluffton are neighboring Lowcountry communities with their own distinctive styles. “The Island” has been a world-class vacation destination for more than 50 years, with big-name luxury resorts set along its 12-mile oceanfront. In addition to top-flight golf courses and racquetsports clubs, local cultural attractions include the Arts Center of Coastal Carolina. The Hilton Head-Bluffton area also boasts some of the South’s finest master-planned retirement and residential communities, while Old Town Bluffton has preserved its unique character with casual cafes, art galleries, and boutique shops.

Dataw Island

Where you belong

USTA “Outstanding Tennis Facility,” a brandnew pickleball complex, and two of the most beautiful and well-maintained croquet lawns in the area. Just beyond, you’ll find a pair of bocce courts beckoning, as well as community gardens, kayak launches, and a 33-acre maritime nature preserve with walking paths and a dog park.

100

At the on-site Community Center, you will find a staff of certified personal trainers, athletic trainers, and an aerobic studio, gym, art studio, and more. Those called to the water may enjoy our indoor & outdoor pools, the full-service Marina, kayak launches, and nearby Hunting Island State Park beach.

BEAUFORT, SOUTH CAROLINA - Welcome to Dataw Island, a private gated community catered to the active lifestyle.

Community thrives at Dataw, where neighbors are just friends you haven’t yet met. With flexible membership plans and dozens of member-based clubs and sports associations, you are sure to find the perfect opportunity for fellowship, fitness, and camaraderie.

Dataw Island is graced with two “Top 50” SC golf courses, a

Add social events too numerous to mention and a host of volunteer opportunities both on-island and off, and you’ll find that your schedule will quickly fill, the Dataw way -- friendly, philanthropic, and fun!

Developed to honor nature and history, the island exudes historic charm, natural beauty, and extraordinary living.

Visit on a three-day, two-night stay to see for yourself why locals have voted this community the “Best Neighborhood In Beaufort, SC.”

(843)

BEAUFORT

Landmark Town Center

Beaufort is a Lowcountry waterfront town that’s part of a 300-acre National Historic Landmark district. There are cozy inns, seafood restaurants, and museums throughout the walkable downtown area, as well as cultural attractions like the Pat Conroy Literary Center. Kayaking on the tidal waterways is a popular outdoor recreation for visitors and residents alike, while the Naval Hospital Beaufort serves the area’s large population of active-duty and retired military service members.

THE GRAND STRAND Playing for Fun

The Myrtle Beach area styles itself as “The Golf Capital of the World,” and there are certainly plenty of available tee times with more than 80 local courses. But the Grand Strand region surrounding Myrtle Beach is about more than golf, with 60+ miles of sandy beaches and delightful oceanfront towns from Little River to Pawleys Island. Major entertainment centers are the Alabama Theatre, Hard Rock Cafe, and Carolina Opry, plus more than a dozen family-friendly amusement parks. The fresh-catch seafood restaurants in Murrells Inlet are just to south and 500 outdoor sculptures set along beautiful flower-lined paths at Brookgreen Gardens.

History in the Making

No American city has done a better job than Charleston of preserving its colorful past while moving boldly toward the future. The Battery promenade overlooking Charleston Harbor, Fort Sumter National Monument, Patriot’s Point Naval & Maritime Museum, and the South Carolina Aquarium are among the most historic sites and popular attractions. Visitors also flock to the Spoleto USA performing-arts festival every spring and award-winning downtown restaurants every night. But the metropolitan area is also home to major manufacturers like Boeing and Volvo, a high-tech corridor with dozens of cutting-edge businesses and world-class health care providers like the Medical University of South Carolina, Roper/St. Francis hospitals and East Cooper Medical Center. New upscale communities in Summerville, Mount Pleasant, and Daniel Island welcome residents of all ages.

About Savannah Lakes Village

GREENVILLE Award-Winning Assets

In April 2022, USA TODAY named a pair of Greenville landmarks to its latest “10 Best” in America lists. The first honor was for the downtown Falls Park on the Reedy River, ranked third among all city parks in the nation. The second was for the 22-mile Swamp Rabbit Trail System, selected as the fourth-best recreational trail in the country. Greenville has long been the business center of the Upstate region, but the recent accolades underscore the city’s dynamic cultural revitalization. The Peace Center for the Performing Arts and scores of downtown art galleries, music venues, and eclectic restaurants with international fare are among the highlights. Furman and nearby Clemson are just two of more than a dozen area colleges, and residents enjoy top-rated medical care with the Prisma Health and Bon Secours St. Francis provider networks.

AIKEN

Horse Country of South Carolina

Aiken is the heart of South Carolina’s “Thoroughbred Country,” which features horse farms, riding trails, and equestrian events from steeple chase races to polo matches. The charming downtown area offers five galleries at the Aiken Center for the Arts and the Joye in Aiken stages for music, dance, and theatrical performances. The City Arboretum, Hopelands Gardens, and Hitchcock Woods all have extensive nature-oriented walking trails, and the Indie Arts Vintage Market is a must for antique shoppers.

COLUMBIA Capitol City of Champions

Columbia was created by an act of the state legislature shortly after the Revolutionary War, specifically to be South Carolina’s capital city. Since then, it’s grown to be the hub of a metropolitan area with nearly a million residents, a center of regional commerce, and Fort Jackson, one of the U.S. Army’s largest recruit training facilities. The lively Vista and Five Points districts feature a variety of restaurants and nightlife venues, while the Soda City Market is an outdoor food-and-crafts fair held every Saturday on treelined Main Street. The region's leading health care providers are Lexington Medical Center, Prisma Health, MUSC’s Providence Hospitals, and the Dorn VA Medical Center. Downtown Columbia is also the location of the main campus of the University of South Carolina and Colonial Life Arena, home of the 2022 NCAA National Champion Lady Gamecocks basketball team.

Georgia & Florida

From the end of the Appalachian trail to crystal clear waters, Florida and Georgia have it all. These two Southern states are known as retirement destinations for more than one reason. The weather stays warm and sunny for most of the year, perfect for all sorts of outdoor recreation. The states abound not only with their famous peaches and oranges, but all manners of tasty local fruits and veggies. And, the seafood is to die for. Plus, these states are home to major cities like Orlando and Atlanta with museums, theme parks, and innovative experiences, as well as performing and visual arts hubs like Savannah and Sarasota. So, whether you’re partial to the sunshine state or the peach state, you’re sure to have a grand ole time.

Heart of the South

A recent Kiplinger report put Georgia at third in its rankings of "Best States to Retire," noting its low taxes and overall costs of living (7% below national average), including health care costs for retired couples (6th lowest in the country).

5.75% Top individual income tax rate (Social Security benefits are exempt)

About 100,000 new residents move to Georgia every year. Many are full-time retirees, but even more are skilled workers and professional-service providers of all ages who find new employment opportunities in the state, plus entrepreneurs who can qualify for tax credits of up to $4,000 per job created and other business incentives.

Effective state property tax rate

Generous homestead exemptions available

0.91% No estate or inheritance taxes

Prescription drugs and most grocery items are exempt from 4% state sales tax

“My favorite thing about living in Savannah Quarters is the active lifestyle. We hope to stay active for many years. We love golf. We just love being out in the nature with different views from every hole. My favorite thing outside of golf is hanging out at the clubhouse. Our award-winning chef provides wonderful meals. We have never experienced anything like this, and we’ve been members of lots of clubs before.”

Larry and Patty Kelly Savannah Quarters

Resources and Recreation Climate

Endless Education Fresh from the Farm

The University of Georgia has its main campus in Athens and 26 satellite campuses throughout the state. Georgia Tech in Atlanta features worldclass science and engineering schools, while the state's expanding technical college system has more than 20 locations. At these and all other public institutions in the state, Georgia resident seniors can take classes for free, earn credits toward an undergraduate degree, and even enroll in a master's program. Many private colleges also offer reduced-fee courses, no-cost class auditing, and educational seminars that welcome local residents of all ages.

Georgia is the largest state by size east of the Mississippi River and has nearly 10 million acres of farmland. The leading national producer of pecans, peanuts, and Vidalia onions, the state is also a significant grower of fruits like peaches, blueberries, cantaloupes, and watermelons, as well as vegetables like cabbages, cucumbers, snap beans, and squash. All are available in season at fresh-picked farmers markets throughout the state and on creative menus at award-winning restaurants from Savannah to Atlanta.

Year-round Celebrations

Every month in Georgia, there are fairs, festivals, and community celebrations somewhere in the state's 159 counties. Among the most popular in the spring are the International Cherry Blossom Festival in Macon and the 100-year-old Thomasville Rose Show and Festival. Late summer events include the Georgia Mountain Fair in Hiawassee, the Hot Air Balloon Glow Festival at Callaway Resort & Gardens, and Midtown Music Festival in Atlanta's Piedmont Park. In addition to Georgia fall celebrations like Oktoberfest in the Bavarian-themed town of Helen and the Jekyll Island Shrimp & Grits Festival, Savannah alone hosts major annual events dedicated to films, books, music, food, and wine, plus the South's biggest St. Patrick's Day Festival.

Most of Georgia is considered to be a subtropical region, especially along the Atlantic coast from Savannah to St. Marys. The summer months there can be warm and humid, although often cooled a bit by the offshore ocean breezes. The rest of the year, throughout most of the state, is perfect for outdoor recreational activities, generally sunny and dry in the fall with spring showers that farmers and gardeners welcome. With the exception of the mostly cooler highland counties in the northern part of the state, Georgia receives very little snowfall in winter.

GEORGIA SEA ISLANDS

An Enjoyable Environment

The Sea Islands of Georgia are a diverse collection of Atlantic Ocean barrier islands that shelter 137 of the most beautiful miles on the intracoastal waterway. The north-to-south route begins with Tybee Island, a long-time favorite destination for Savannah day-trippers and vacationing families who enjoy its historic sites and casual vibe. Ossabaw and Sapelo are undeveloped islands that are only accessible by boat and the respective homes of a 9,000-acre nature preserve and traditional Gullah-Geechee communities. St. Simons and Sea Island feature world-class oceanfront resorts and tournament-host golf clubs. At the same time, Jekyll Island is a state-owned vacation destination with 20 miles of bike paths, a huge water-fun park, and elegant Jekyll Island Club accommodations.

SAVANNAH

Timeless Destination

Savannah is Georgia's historic port city, one of the South's most popular vacation destinations and a top-ranked "Best Place to Retire," according to several recent surveys. For visitors and residents alike, it's among the most walkable cities in America, with a network of 24 downtown garden parks that include Chippewa Square and its iconic Forest Gump bench. Between the moss-draped oaks in the 100-acre Bonaventure Cemetery and the open-air City Market with fresh local produce and unique crafts, there are sidewalk art shows, historic sites, flowery gardens, and specialty shops to browse. After a tour of the three signature Telfair Museums or a new exhibition at the Savannah College of Art & Design, fine-dining options include dozens of downtown restaurants that feature eclectic menus and fresh seafood specialties. Residents in upscale communities on nearby Skidaway Island and along the Savannah River also enjoy top-rated health care at Memorial Health University Medical Center and the Candler/St. Joseph's Hospital network.

ST. MARYS Riverside Gateway

The Town of St. Marys is the ferry port "Gateway to Cumberland Island," the southernmost of the Georgia Sea Islands and an early 20th-century playground of the rich and famous. In addition to historic mansions and gardens, visitors can explore Cumberland's 17 miles of pristine oceanfront. Back in town, the St. Marys Historic District covers the entire revitalized downtown area, which features historic sites, riverfront parks, bed-and-breakfast inns, daily-catch seafood restaurants, and attractions that include the St. Marys Submarine Museum. Kayaking and sport fishing on the local waters are two of the favorite year-round outdoor recreations that draw visitors and new residents to the St. Marys area.

ATLANTA

Crossroads of the South

Atlanta is Georgia's capital city and the economic and cultural hub of the South. The area's dynamic business landscape includes the corporate headquarters of major companies like Delta Air Lines, Home Depot, Publix, UPS, Coca-Cola, CNN, and The Weather Channel. Hartsfield-Jackson International Airport, the nation's busiest, offers daily direct flights to every big city in the Americas and Europe. Atlanta's nightlife and cultural scene include internationally renowned restaurants, famous music venues featuring the latest and greatest performers, and the High Museum of Art with its permanent

collection of 17,000 works. The Atlanta Botanical Garden next to Piedmont Park, the Georgia Aquarium, and the MLK Jr. National Historic Site are must-see attractions. Every major professional sports league has an Atlanta franchise, and the Silver Comet Trail is a paved hiking/biking path that runs more than 60 miles from Smyrna to the Alabama state line. Health care facilities in the Atlanta area are among the nation's best, including Emory University Hospital and its region-wide affiliates, the Northside Hospital network, Piedmont Health care, and numerous specialty treatment centers.

GEORGIA LAKES

Freshwater Escapes

Georgia boasts nearly two dozen major recreational lakes, and some of the best are in North Georgia. Lake Lanier, located just north of Atlanta, is Georgia's largest lake that covers 39,000 acres and features nearly 700 miles of shoreline. Residents in Lanier's surrounding resort and retirement communities enjoy boating, kayaking, fishing, and picnics at 50 forested parks, about half of which have sandy beaches for sunning and swimming. Oconee and Sinclair are sister lakes east of Atlanta with a combined 400+ miles of shoreline, luxury retirement communities, world-class golf courses, and a destination resort with five-star restaurants and spas. Lake Rabun and Tallulah Falls Lake enjoy mountain settings with cool and clean waters, unrivaled highland fishing, and undulating hiking trails with spectacular waterfalls along the way.

ATHENS Progressive College Town

Located about an hour east of Atlanta, Athens is home to the flagship campus of the University of Georgia (UGA). In addition to top-rated graduate schools and continuing education programs, the UGA campus is also the site of the Georgia Museum of Art and the State Botanical Garden of Georgia. Downtown Athens, featuring music clubs that produced progressive rock bands like R.E.M., The B-52s, and Widespread Panic, remains today as vibrant as ever.

IT’S YOUR MOVE

If you’d rather work on your forehand than floor repair, Cresswind makes it easy to find your next adventure, new home and fun. This is active adult living designed for the way you want to live. Visit Cresswind.com to start your search, get a FREE guide with tips on finding the right community and schedule an online or in-person tour.

HOMES FOR ACTIVE ADULTS

NEW

Coasting to a Better Life

About 40% of Florida's nearly 22 million residents are age 50 or over, the nation's second-largest senior population. Many are active-lifestyle retirees, but many others are extending their working careers or donating their time as volunteers in a state with an average life expectancy of 80.2 years. The Tax Foundation's 2022 State Business Climate Index ranks Florida as the best state in the South for private enterprise and fourth in the entire nation. Florida businesses created a total of 479,300 new jobs in 2021, about 20% higher than the national rate of employment growth.

0%

State tax on any type of income, including wages, pensions, 401(k)s, IRAs, and Social Security

Groceries and medications exempt from 7% state sales tax

0.93% Average effective property tax rate

Up to $100,000 in homestead exemptions for residents age 65+

“When we were looking for houses, I instantly fell in love with this area. It wasn’t overcrowded and over trafficked, it still had a lot of convenience. We just saw so much potential. Wildlight has the most amazing neighbors we have ever had. The Florida Lowcountry living combines two things that we really love— porch swings and rocking chairs. It’s a combination of Florida living and that Lowcountry living from Savannah and up along the coast. We couldn’t have picked a better neighborhood.”

Brett & Sean Aiken Wildlight

Resources and Recreation

Water, Water Everywhere State of Health Unique Attractions

Floridians are serious about maintaining their good health, consuming more locally grown fruits and vegetables, and getting more outdoor exercise than most Americans. And when they need some professional assistance, Florida has more than 50,000 licensed doctors, 250,000 registered nurses, and 300+ hospitals that are often hubs of extensive regional provider networks.

World-famous theme parks aren't the only one-of-a-kind attractions in Florida, where you can swim with manatees in the Crystal River, snorkel and dive on tropical coral reefs, and ride an airboat through the Everglades wetlands. Florida is also home to the Kennedy Space Center, where NASA regularly launches unmanned rockets and SpaceX crews. The 127-mile Overseas Highway takes drivers above the waves down to Key West.

No location in Florida is more than an hour's drive from the beach, and along the Atlantic Ocean and Gulf of Mexico, there are more than 660 miles of beaches that can all be enjoyed in every season. The same year-round schedule applies to off-shore fishing on both coasts, while kayakers and canoeists have 11,000 miles of Florida rivers, streams, and waterways to explore.

Climate

Florida has the mildest winters of any state except Hawaii. The relatively warm and dry days during that season make the state popular for visiting snowbirds and locals who enjoy outdoor recreations. Temperatures and humidity begin to climb in the late spring and peak during the summer, although frequently cooled by brief but intense afternoon showers. During July, August, and September, tropical storms can roll in off the Atlantic or rumble up the Gulf Coast.

JACKSONVILLE Blending Culture and Commerce

Jacksonville is Florida's biggest city, both in population and area. Set along the banks of the St. Johns River, Jacksonville features America's largest urban public park system with more than 330 locations covering 80,000+ acres. The city's deepwater port and financial-services companies have spurred economic growth in recent decades. At the same time, Jacksonville's cultural attractions

include unique museums of history, science, and art, plus the Jacksonville Zoo & Gardens. Two of Florida's top-rated health care providers serve area residents—the Mayo Clinic Jacksonville and Baptist Medical Center. Nearby Amelia Island features 13 miles of oceanfront and upscale golf resorts, while Jacksonville Beach is conveniently accessible for city residents.

DAYTONA BEACH

Motor Sports Capital

ST. AUGUSTINE

Historically Attractive

St. Augustine is the heart of Florida's First Coast region and was originally founded by Spanish explorers in 1565. Few American cities have done a better job preserving its historic sites, including Castillo de San Marcos and Mission Nombre de Dios. Downtown St. Augustine features the Bayfront Walk promenade and art galleries, antique shops, and sidewalk cafes along St. George and Aviles streets. Nearby attractions include the oceanfront Anastasia State Park and the World Golf Hall of Fame. Flagler Hospital is the area's top medical-services provider.

Daytona Beach has been an iconic vacation destination for more than 70 years, with 23 miles of oceanfront and seaside attractions that include arcades along the Boardwalk and open-air concerts at the Bandshell. Best known for its Daytona International Speedway and the annual Daytona 500 race, the 30-mile drive on the Ormond Scenic Loop is a relaxing way to tour the area. The Brown Museum of Art and the Smithsonian's Museum of Arts and Sciences are leading cultural attractions, while Halifax Health runs the region's largest hospital and medical-provider network.

WEST PALM BEACH Life of Luxury

Located north of Miami and across the intracoastal waterway from 20+ miles of Atlantic oceanfront, West Palm Beach has long been a preferred destination for snowbirds and retirees who appreciate its traditional upscale Florida ambiance. Antique Row shops, Northwoods Village galleries, Clematis Street restaurants, and Rosemary Square music venues are popular local destinations. The Kravis Center for the Performing Arts features a year-round schedule of music concerts and theatrical productions. All are well served by facilities in the area's unique Health Care District, including the Lakeside Medical Center and top-rated specialty clinics.

Best Kept Secret

Resort-Style Living in "the Nature Coast"

The Villages of Citrus Hills is Florida's "Hidden Gem." Ideally located between the Gulf of Mexico and Central Ridge, our area produces gentle rolling hills and a comfortable climate year-round.

Our convenient "nature coast" location boasts abundant nature trails, preserves, sparkling freshwater lakes, and springs. Here you will find fresh and saltwater boating and fishing, kayaking, birding, bicycling, and walking trails!

Within the gates of Citrus Hills, you'll recognize our world-class amenities, a year-round calendar of social events, and over 20 distinct home designs starting in the $400s! Once you are here, will you be able to keep "Florida's Best-Kept Secret?

Private Tours

“My husband Richard and I moved to Telaro at Tradition in January of 2022. For the last six and a half years, we lived in Montreal. There were many months in Quebec where we could only go out of the house to the market or the pharmacy. We owned a vacation home in a community in Tradition, so we knew we wanted to eventually move to Port St. Lucie; I was ready to embrace the 55+ lifestyle. We purchased in Telaro, and we didn’t really know what to expect—as all of the amenities were not open yet—but we met neighbors right away. Telaro’s lifestyle director, Nicole Cummings, has been putting together activities like happy hours, mix and mingles, trivia nights, different game nights, and a lecture and brunch series. We have yoga and tai chi classes. I am embracing this lifestyle. I think I might be a bit more appreciative since living up North. Some people who haven’t moved in yet are coming to yoga classes. They are jumping in and meeting people before they even move in.”

Valerie Stoelzel

OCALA

Equestrian Lifestyle

The city of Ocala is the center of a north Florida region dubbed the "Horse Capital of the World" for its numerous horse breeding and training farms that have produced many Breeders Cup and Kentucky Derby winners. That reputation has been enhanced with the opening last year of the World Equestrian Center Ocala, a major destination for national horse shows and special events. Additional cultural highlights include sculptures and gardens at the Tuscawilla Art Park and performances at the Ocala Civic Theatre. Just outside of town are hiking trails in the Ocala National Forest, while local residents get topquality medical care at two Ocala Health hospitals and their networks of treatment centers.

ORLANDO Culture of Fun

Millions of Americans and visitors from around the world have made the trip to Orlando for its destination theme parks like Disney World and Universal Studios. But the Orlando area is also home to 2.5 million year-round residents that include working families in the tourism-driven economy and retirees in upscale leisure communities. When the latter aren't playing on one of the nearly 100 local golf courses, they may be kayaking on the Indian River or hiking in the Merritt Island Wildlife refuge. Weekend shows at the Orlando Shakespeare Theater, symphonies and ballets at the Phillips Center, and touring exhibitions at the Orlando Museum of Art offer cultural diversions. The Orlando International Airport has daily flights to most major U.S. metropolitan areas. The area's top-rated hospitals and provider networks include a regional VA Medical Center that opened in 2015.

Telaro at Tradition, Port St. Lucie, FL

MICHAELWARRENPIX

FLORIDA GULF COAST

SARASOTA Flowering Town

The City of Sarasota has blossomed to become a regional center of commerce. The thriving cultural scene features resident opera, theater, symphony, ballet companies, and the expanding Sarasota Art Museum. Among the most popular outdoor activities are strolls through the Ringling Bayfront Gardens and Marie Selby Botanical Park, plus nearby beaches on Longboat Key and five other barrier islands. The Sarasota Memorial Health Care System includes a downtown flagship hospital and top-rated specialty treatment centers. Just to the south is the Gulf Coast town of Venice with its eclectic shops, galleries, and cafes, as well as emerging active-lifestyle communities in the Port Charlotte-North Port area.

PENSACOLA Hub of the Panhandle

The largest city on the Florida Panhandle, Pensacola is the heart of a growing metropolitan area with an economy supported by tourism and two major military air bases. With a history that spans 450 years since the first European settlement, downtown Pensacola features self-guided walking trails dedicated to the city's cultural heritage, colonial archeology, and maritime history. In addition to scuba diving and sport-fishing excursions, local residents can enjoy beach walks any time of the year at the nearby Gulf Island National Seashore. The Naval Hospital Pensacola and the Baptist Health network are among the area's leading medical providers.

TAMPA Waterfront Diversity

Tampa is one of Florida's most diverse and prosperous cities, a regional center of business, culture, and top-rated health care service providers. The 2.5-mile Tampa Riverwalk is among The Sunshine State's finest waterfront promenades, perfect for sunset strolls through public parks on the way to the museums and galleries of the Tampa Art District. Busch Gardens Tampa and the Florida Aquarium are among the area's many family-friendly attractions, along with professional home teams in the NBA, NHL, and MLB. Historic Ybor City is the city's unique enclave for Cubaninspired art, music, and cuisine. On the western side of Tampa Bay, St. Petersburg features fabulous art and food on its waterfront, and Clearwater is the gateway to more than 50 miles of Gulf Coast beaches.

PANAMA

CITY BEACH Emerald Coast Destination

Panama City Beach is located on Florida's Emerald Coast that features 27 miles of Gulf of Mexico beaches. Long a favorite destination for vacationing families and spring breakers, the region that includes Panama City on the mainland is growing with new residential and retirement communities. Eco-friendly activities include dolphin cruises, loop-trail hiking at Conservation Park, and walks on undeveloped Shell Island beaches. The Heredeen Theatre offers country-style dinner shows, while the Panama City Center for the Arts features traveling exhibitions and workshops for aspiring artists of all ages. Local health care providers include the Gulf Coast Regional Medical Center.

NAPLES Natural Arts

Located on southwest Florida's Treasure Coast, Naples is a prime destination for both outdoor recreation and cultural spice. In addition to more than 70 area golf courses, the East Naples Community Park hosts an annual national championship pickleball tournament, and local marinas offer sport-fishing excursions. Day trips can include visiting nearby Everglades National Park and Marco Island beaches. Downtown Naples features cutting-edge health care centers, while locals and visitors alike flock to the Fifth Avenue South area with its upscale shops, restaurants, and galleries.

Live

What is a new kind of Hometown? It’s innovation, technology and sustainability creating a life only imagined before, now being enjoyed to the fullest.

The Soundtrack of Natural Living

Climate

0.68%

Average effective property tax rate

0%

State income tax

No state tax on interest/ dividend earnings, Social Security, 401(k)s, IRAs, or pensions

6th-lowest cost of living among all U.S. states

According to the latest U.S. Census data, Tennessee's population grew by nearly 9% in the past decade, an increase of more than 600,000 new residents. The Middle Tennessee counties around Nashville were among the nation's fastest growing with a 21% increase. New suburban and retirement communities spurred aboveaverage growth in five East Tennessee counties—Knox, Loudon, Bradley, Sevier, and Hamilton. The appeal of "small-town Tennessee" is no accident: The state is among the national leaders in revitalization efforts with its innovative Tennessee Main Streets and affiliated Tennessee Downtown programs. From Athens to Winchester, the 34 participant communities have preserved their traditional architecture and small-town ambiance, while creating economic incentives for new local businesses and professional services.

The highlands of East Tennessee offer an invigorating four-season climate, with cool evenings and vibrant woodland colors in the fall, occasionally significant snowfall that lasts a few days at a time in the winter, and very comfortable daytime highs in the spring and summer. The rest of the state is a continental subtropical zone, with generally warmer temperatures and higher humidity in summer. Average daytime temps are generally moderate in the spring and fall months, while a few inches of snow from time to time can be expected in the winter.

Recreational Trails

Tennessee features more than 1,500 hiking and biking trails, most of which are located in 56 state parks and recreational areas. That scenic collection is highlighted by the 210-mile Cumberland Trail with 50+ access points to segments that range in difficulty from easy to very challenging. Streams that flow from the East Tennessee mountains are popular blueways for kayaking and whitewater rafting excursions. For players who prefer electric-cart transportation, the Tennessee Golf Trail is composed of nine excellent daily-fee courses located in state parks, including three of the six Jack Nicklaus-designed layouts in the Bear Trace series.

Great Drives

The Tennessee Music Highway runs the length of the state from Bristol in the east to Memphis in the west, with stops along the way at dozens of historic sites and concert venues. The Cherohala National Scenic Byway is a beautiful two-lane driving route on the mountainsides above the Tellico River. But the granddaddy of them all is the Natchez Trace, originally a pioneer trail through the woodlands that connected the Cumberland, Tennessee, and Mississippi Rivers. Parts of that historic path can still be walked today, but most people prefer the driving tour on the 440-mile Natchez Trace Parkway that runs from Nashville to Natchez, Mississippi.

Home of American Music

Melodic tunes can be enjoyed everywhere in The Volunteer State of Tennessee, which makes a strong claim to be home of three authentic American music genres: bluegrass, which was created by Scots-Irish immigrants in the mountain towns of East Tennessee; country music, which grew from a regional sound to an international industry in the studios and concert halls in Nashville; and the blues, which emerged from the Mississippi Delta to take center stage in the Beale Street clubs of Memphis.

Lake Tansi Village

is located on the magnifi cent Cumberland Plateau in Crossville, Tennessee. This retirement community is jam packed with a good balance of relaxing and exciting activities. Whether you prefer golfi ng, boating, swimming, or simply enjoying the good life – it’s all here at Lake Tansi.

Kingsport

This small city in northeastern Tennessee features a 9.5-mile greenbelt walking path that meanders through the lively downtown area and along the Holston River. Local attractions include concerts by the Symphony of the Mountains Orchestra and 50+ miles of highland hiking trails in the local state parks.

Bristol

Bristol is the home of exciting stock-car races at the Bristol Motor Speedway and the host of traditional bluegrass concerts in a mountain town known as "The Birthplace of Country Music."

We’ve obviously seen an increased interest in Tennessee because of the affordable cost of living. Remote work and the ability to work from home has enabled more people to relocate to Tennessee for a better quality of life, and we’re a very tax-friendly state. We also have very low electricity costs thanks to the Tennessee Valley Authority. The Retire Tennessee program attracts retirees to 15 rural and urban counties throughout the state.”

Zach Ledbetter Tennessee Department of Tourist Development Director of Outreach & Engagement

KNOXVILLE Mountain Hub City

Knoxville is East Tennessee's largest city and a regional center of business, education, and culture. In addition to headquarters for companies like Sea Ray Boats and the Tennessee Valley Authority, Knoxville is home to the main campus of the University of Tennessee (UT) and its world-class medical center. Graduates from UT and a dozen other area colleges staff innovative start-ups in the Tennessee Technology Corridor. Jackson Avenue in the Old City district is the local destination for fine dining, shopping, and nightlife. Cultural attractions include open-air concerts at the Tennessee Amphitheater, extensive collections at the Knoxville Museum of Art, and cultural history exhibits at the McClung Museum. The Knoxville Botanical Gardens is a flower lover's delight, while the city's 1,000-acre Urban Wilderness is a unique recreational preserve with historic sites, a nature center, zip lines, and 50 miles of hiking trails.

CHATTANOOGA Poised for the Future

Set along the banks of the Tennessee River in the state's southeastern corner, Chattanooga is a vibrant city of traditional culture and business innovation. The historic downtown area features symphony and opera performances at the Tivoli Theatre, tours of the Hunter Museum of American Art, and family fun at the Tennessee Aquarium. The high-tech business sector has grown rapidly in recent years, due in part to the city's Electric Power Board's region-wide 10-gigabyte internet system with free hot spots. Those connections are also used by Chattanooga's Parkridge and Memorial hospital systems to facilitate top-rated medical care. The entire area is a recreational wonderland with streams to kayak, lakes to fish, and mountains to climb. Chattanooga offers two other unique leisure destinations: the 16-mile Tennessee Riverwalk, an unrivaled urban path for walking and biking, and Lookout Mountain, which offers its own collection of hiking trails, plus panoramic views to inspire and deep caves to explore.

NASHVILLE

Music to the Ears

Nashville is the capital of Tennessee that's known around the world as "Music City USA." That's because Nashville is home to major country music recording studios and the historic Ryman Auditorium, which hosted the Grand Ole Opry for decades before it moved to the Gaylord Opryland Resort & Convention Center. The Tennessee Performing Arts Center, the Frist Center for the Visual Arts, and the Cheekwood Botanical Gardens and Museum are among the city's additional cultural assets. Nashville's economic vitality is enhanced by the downtown location of Vanderbilt University, one of the South's leading institutions of higher learning that includes a top-tier medical school and cutting-edge research center. And at Centennial Park is Nashville's most unique attraction: a full-scale replica of the Parthenon on the Acropolis in Athens, Greece, complete with a 42-foot-tall statue of the goddess Athena.

Crossville

Crossville is known as "The Golf Capital of Tennessee" because of the 14 area championship courses that visitors and residents can play. It's also the gateway to the natural wonders of the Big South Fork National River and Recreation Area, while downtown Crossville features local artwork at The Depot and cultural events at The Palace theater.

Cookeville

Cookeville is the commercial hub of the Cumberland Plateau region, offering top-quality medical and professional services plus a delightful downtown with two historic districts. Relaxing diversions include walking trails connecting the city's 10 public parks, dramas and comedies at the Cumberland County Playhouse, and symphony concerts at the Cookeville Center for the Performing Arts.

Columbia

Columbia is best known for its impressive collection of lovingly restored antebellum homes, the Mule Town Music Festival in Riverwalk Park every fall, and the popular network of horseback riding trails in the nearby Yanahli Wildlife Management Area.

MEMPHIS

Blues Destination

Memphis is a major port city on the Mississippi River that's also home to the headquarters and global air hub of FedEx, the area's largest employer. It's also the location of the renowned St. Jude Children's Research Hospital, one of several leading area medical providers that include the Baptist Memorial and Methodist Hospital networks. But Memphis is most famous as the "Home of the Blues," the destination to which musicians from the Mississippi

Delta region migrated to play their authentic made-in-America tunes. The blues music clubs along Beale Street are still a major attraction for visitors and residents, who can also take a short drive south to tour Elvis Presley's Graceland estate. Additional local cultural centers include inspiring displays at the National Civil Rights Museum, visual arts collections at the Brooks and Belz museums, and science exhibits at the Pink Palace Museum and Planetarium.

Obion County

Obion County features a revitalized Union City downtown, the Discovery Park of America Museum, and the White Squirrel Winery.

Henderson County

Henderson County offers cafes and shops in the town of Lexington, plus seven freshwater lakes for the region's best boating and fishing.

Hardin County

The seat of Hardin County is the town of Savannah, set along the banks of the Tennessee River in a rural area known for its farm-fresh produce.

Recently retiring to Fairfield Glade from Ohio, Cheryl and Bill Hunt now live on a homesite that backs up to nature where they enjoy watching the wildlife. As retired law officers, they really value the peace and quiet, as well as safety, that Fairfield Glade near Crossville, TN, offers. They dove right in and met people right away. Cheryl raves about the friendliness of the community and their new-found joy of playing pickelball. All this and they saved a significant amount in their annual taxes.

Cheryl and Bill Hunt, Fairfield Glade, TN

Three welcoming counties in West Tennessee have become popular destinations for retirees and families who seek a more relaxing lifestyle with small-town charm:

Mid-Atlantic

Looking for a four-season climate, a halfway point between the warmth and charms of the South and the cool breezes and cities of New England, and a place to call home? MidAtlantic states have you covered. While these states are often perceived as congested or just miles of highway, there’s a real beauty to see if you get off the main roads. The serene beaches and mountains of this area create perfect spaces to settle down without having to settle. And, cities like Washington, D.C., Baltimore, and Wilmington are short drives away for museums, entertainment, restaurants, and shopping. You truly get the best of both worlds in the Mid-Atlantic.

Live Free and Live

New Hampshire is an engaging patchwork quilt of idyllic colonial towns, vast stretches of protected wilderness, Ivy League learning opportunities, and over 50 picturesque covered bridges to seek out. The Granite State is a leaf-peeper’s paradise and a hiker’s wonderland, offering 48 peaks rising over 4,000-feet for the adventurous.

0% Personal earned income tax rate

1.86%

Effective state property tax rate; median annual tax of $4,636

Homestead Exemption increased in 2016 to $120,000

No state tax on sales, capital gains, or inheritance

Cost of living is 5.4% higher than the national average

Your favorite color in New Hampshire will very likely be red. As in the deep claret of the red trillium flower that blooms in spring. Or the crimson hue of a steamed lobster at a coastal village in summer, the shimmering and scarlet maple leaves of fall, and the rosy red of your cheeks while hiking along a pristine lakefront or snow skiing on a crisp winter day. New Hampshire is one of the 13 original colonies and is known for its independent-thinking residents, stunning natural beauty, and a unique topography that soars from sea level up to 6,288 feet at Mount Washington in less than 100 miles. Concord is the capital, and Manchester is the largest city, which is tucked near the southern edge of the state and less than an hour from weekend getaways to Boston. Reassuringly, New Hampshire is ranked the third “Safest State to Live.”

Climate

New Hampshire’s climate is informed by the steep rate of elevation change from south to the mountainous north, making for 10 to 15 degree temperature differences within a twohour drive. The state has idyllic summer weather, with highs in the low 80s. Winter temperatures in Manchester average 32°F/15°F from high to low.

Health Care

Health care is placed at a premium in New Hampshire, in fact, its largest employer is the statewide Dartmouth-Hitchcock Medical Center and Clinics. New Hampshire ranks in the Top 5 for overall health care in the country, per a CBS News poll. And health care costs in the state rank 12.3% lower than the national average.

Small Wonder

In 1787 Delaware became the first to ratify the United States Constitution, earning the moniker of the First State. Today, Delaware remains at the forefront of commerce, creative cuisine, and boundless recreation.

0% State sales tax

0.56%

Effective state property tax rate, seventh-lowest in the country

Social security income is not taxed

Capital gains are subject to tax.

Delaware repealed its estate tax in 2018, and there is no inheritance tax

The state’s cost of living index is 102.7, just slightly higher than the national average

As you approach the state line, there's a sign that says "Welcome to Delaware –Small Wonder." It's a creative and sublime way to remind us that the First State is also the second smallest after Rhode Island. Yet, it's bountiful in its stretches of protected Atlantic shoreline, poignant historical sites, countless festivals, famous craft breweries, and delectable blue crabs from Delaware Bay. We might add Delaware’s venerable sand-in-your-toes Atlantic boardwalks, like at Rehoboth Beach, where Candy Kitchen has been making saltwater taffy since 1937… yum! Delaware is one of three giant puzzle pieces that make up the Delmarva Peninsula, along with the eastern shores of Maryland and Virginia. Delaware is the top-right piece, crowned by Wilmington, and the state capital of Dover.

Climate

Despite its diminutive size, there is a marked difference in the mean temperature and amount of snowfall in Delaware from north to south. Temperatures in the southern part of the state are moderated by the stabilizing breezes off the Atlantic Ocean and Delaware Bay. The state boasts a valued four-season climate without the extremes of heat and cold.

Health Care

U.S. News & World Report ranks Delaware #6 in the country for overall health care, including a #1 ranking in the category of hospital quality. Major hospital facilities are concentrated in more-populated northern Delaware, with Christiana Hospital in Newark leading the field in several disciplines.

Beaches & More

Recreation begins with the beach, whether you want the bustle of the boardwalk in Rehoboth or the protected serenity of nature at Delaware Seashore State Park. The Cape Henlopen State Park is 4,000 acres of walking and biking trails, bird sanctuaries, and beautiful beaches. Festivals and events abound, including the Delaware Old Fashioned Ice Cream Festival in Wilmington on June 25. The Dover Motor Speedway is home to both NASCAR next spring and the famous Firefly Music Festival this fall on September 22.

Not So Far Away

Why choose Maryland? The question you should be asking yourself is: Why not? Although the state may not be the first that comes to mind when you think of retirement destinations, Maryland boasts a long coastline full of beaches, plenty of sports teams, seafood galore, and unique residents.

2%5.75% personal earned income tax rate (select Maryland Counties and Baltimore City levy additional taxes)

0% Median property taxes are around the national average

taxation on Social Security Benefits

Reasons abound as to why retirees love Maryland. Maryland has lower income taxes than many other coastal states and doesn’t tax social security benefits. Medical care here is top of the line. It is right outside of D.C. with its museums, monuments, restaurants, and traveling shows. There are two pro football teams and one major league baseball team, so it’s easy to catch a game if you're a fan of either sport. One other great thing about Maryland is their food and beverage industry. Many craft breweries and farm-to-table restaurants make it easy to broaden your palate. Plus, the Chesapeake Bay is perfect for all sorts of beach activities. Maryland simply has it all.

Climate

Maryland has a pretty moderate climate. Its summers hover around the 70s and 80s, while the winter lows fall to about 20° to 30℉. The state has over 200 days of sunshine per year, and it's home to over 150 tree species, making it a great state for gardening.

Health Care

According to U.S. News & World Report, Maryland is in the top 10 states for health care in terms of health care quality and access as well as public health. This state is home to Johns Hopkins Hospital, which is nationally ranked in many adult specialties, as well as numerous regional hospitals.

Simplify Without Sacrifice

Only steps away from Urbana’s Market District—and with easy access to I-270, 355, and the acclaimed shopping and dining of historic Downtown Frederick—The Woodlands of Urbana combines timeless design with luxurious details into an inspired oasis you’ll love calling home.

• Clubhouse with Outdoor Pool

• Fitness Center with Yoga Studio

• Pickleball & Bocce Ball Courts

• Putting Green

• Multiple Outdoor Fireplace Settings

• Walking Trails & Dog Park

• Lawn Care & Snow Removal Included

The Woodlands of Urbana is an intimate 55+ community with private resort-style amenities located in beautiful Frederick County, Maryland and thoughtfully designed by the award-winning developer Natelli Communities.

Pursue Your Happiness

Pennsylvania is the perfect place to settle down and enjoy life. In addition to its rich history, Pennsylvania has a four-season climate, cultural delights in the cities, and natural wonders that you won’t find anywhere else.

3.07% Personal earned income tax rate

0.0%

Taxes on pensions, social security, or money taken out from an IRA or 401K

Median property tax is $1,556 per $100,000 of assessed home value. Partial rebates available for qualifying renters or buyers over 50.

Pennsylvania has become a relocation destination for those over 55. One reason is that retirement income is free from taxation. This makes it easy to spend more money on the things that you want to do, and Pennsylvania has something for everyone to love. There are many attractions for history enthusiasts such as Historic Gettysburg Battlefield. Cultural arts venues like historical theaters and museums are all over the state. Dozens of breweries as well as wineries and vineyards call Pennsylvania home. From ski resorts to Amish villages, Pennsylvania can be a wonderful place to retire.

Climate

Pennsylvania has a humid four-season climate. It is warm in the summer but hardly if ever reaches past the 90s. The winter brings in the cold and often ice and snow. Spring and fall present more moderate temperatures, although spring is a bit wetter. And, the fall foliage simply shouldn’t be missed here.

Health Care

A study by WalletHub found Pennsylvania to be 12th in the U.S. in terms of price, accessibility, and successful outcomes for patients. This study also concluded that Pennsylvania is 7th in the nation in terms of doctors per capita. And, the University of Pennsylvania hospital is one of the best in the country.

Desirable 55+ Living Communities in Pennsylvania

YOUR NEW LIFE STARTS HERE.

Dreaming about a home designed just for you, with all the right spaces and details? When you’re planning your forever home, it should include all the features that make it uniquely yours, in a location that just feels like home.

At Landmark Homes, we’ll make sure your home reflects your life and your style. Our 55+ communities, in scenic countryside settings, offer relaxed, low-maintenance living, with bountiful opportunities to explore, connect with others, and stay involved.

CORTLAND PARK - Cumberland County, PA

• Resort-style community with private clubhouse

• Single family and townhomes from the $400’s

HOME TOWNE SQUARE - Lancaster County, PA

• Community clubhouse with outdoor pool

• Arts and Crafts style homes from the $400’s

SWEETBRIAR - Lebanon County, PA

• Community clubhouse with outdoor pool

• 1 and 2-Story homes from the $300’s

WINDING CREEK - Lebanon County, PA

• Minutes from Hershey, PA attractions

• Clubhouse with pool and tennis court

The Old Dominion

There is perhaps no place in the union more awash in history, natural beauty, cultural significance, and outdoor fun than Virginia, “our ancient dominion” as King Charles II of England referred to it in 1660.

5.3%

state sales tax rate

Virginia does not tax social security benefits, and there is no estate or inheritance tax

The state’s cost of living index is 103.7, which is above the national average

Virginia’s average effective property tax rate is just 0.8%, below the national average

The Commonwealth of Virginia takes its name from a term dating back to 15th century England meaning “common well-being.” This state emerged as the cradle of our representative democracy and excels in the quality of its health care, offers a mild year-round climate for healthy outdoor recreation, and takes pride in the legacy of its abundant history. Virginia’s diverse geography flows west from the Atlantic Ocean and Tidewater coastal plains, across the Chesapeake Bay and its bounty of seafood, through the fertile piedmont region, and all the way up to the ancient peaks of the Appalachian Mountains. Visit in the fall to enjoy apple-picking, and discover the growing popularity of hard cider— a mainstay libation for Presidents Washington, Jefferson, and John Adams, who drank a tankard every morning!

Recreation Climate Health Care

Virginia scores a comfort index of 7.4 on a scale of 10, so it's one of the most pleasant places to live in the country. There are 205 days of sun each year, right at the national average. And Virginia’s average annual snowfall is only 13.8 inches, so it’s one of the least snowy of the 50 states. Elevations run from sea level in the east to over 3,000 feet in the western mountains.

The “2022 America’s 250 Best Hospitals” list for overall clinical excellence includes 12 facilities from Virginia, with nearly half of them located in Richmond. Virginia ranks #12 in overall health care access and quality. And median health care costs are the lowest in the central and eastern regions of the state.

Start with a sunrise jog on the beach, then paddleboard in the Tidewater estuaries, or backpack along the Blue Ridge Mountains. Take a day trip to Shenandoah National Park, Colonial Williamsburg and Jamestown, and Monticello. Marvel at the wild ponies of Chincoteague Island, find adventure at Busch Gardens amusement park, or tour the Luray Caverns—the largest in eastern America. Don’t forget winery tours, zip-lining, birding, national-class golf, and Washington D.C. just across the Potomac River.

is IN THE MOUNTAINS

Whether you’re looking to relocate or find the perfect home, Mountainside Realty will help you find your path to mountain living. With excellent customer service, we will be passionate to find the perfect home that meets your needs or get the best possible price in selling your home.

Let Us Find Your Perfect Piece of the Mountains.

America’s

100 Best Places TO LIVE

The following pages contain Ideal-LIVING's Top 100 Planned Amenity Communities. Whether you are looking for the perfect retirement destination or for a new active lifestyle while still working, you can find any amenity for the lifestyle you desire within the following pages.

TOP 10 REASONS TO LIVE IN A PLANNED COMMUNITY

1

The People. When asked what residents like most about a planned community, the answer is almost always “the people.” Relocating to the community that is right for you makes it effortless to meet people and make friends.

Walkabilty. The top amenity requested by Ideal-LIVING readers is walking trails. The good news is almost every planned development has a network of walking trails throughout to help residents stay in shape. 3

2 Sense of Community. Almost everyone in a planned community has moved from somewhere else. It’s a very welcoming environment, and they want for you to be a part of the community.

4

Live a Healthy Lifestyle. It’s easy to stay healthy when you are surrounded by worldclass amenities that encourage a healthy lifestyle, from golf, tennis, and pickleball to pools and workout facilities with fitness classes and even fitness directors.

River Bluffs | Wilmington, NC

5

Proximity to Health Care. As planned developments attract a large number of retirees, quality medical centers and hospitals are generally nearby. 6

Social Clubs. Join any type of club that interests you. If there isn’t one, you can always start one, and others will join you. From cycling to walking and book clubs to walking groups, you’re sure to find at least one that suits your needs. 7

Sense of Security. Many planned communities are gated with 24/7 security.

8 9 10

Beautifully Maintained Homes. Planned communities have architectural guidelines that ensure the design integrity of the home.

Lush Landscapes. Planned communities are built around perfectly managed green spaces (especially when there is a golf course) that are filled with beautiful flora and fauna.

A Chance to Give Back. Community organizations within the developments offer an environment to volunteer your gifts.

Go to ideal-LIVING.com/BestPlaces for images and links to all communities.

Bay Creek | Cape Charles, VA

DISCOVERY TRAVEL

ideal-LIVING invites you to get out and explore communities to find your ideal destination. You won’t know until you go. Here’s a sampling of Discovery Travel opportunities with over 100 more that can only be found online.

available only on

.com/ventureout

AMELIA NATIONAL — FL

A Place to Call Home. Amelia National Golf & Country Club, a new home community in Fernandina Beach, FL, provides residents with some of the most sought-after amenities: manned, gated security, 18 holes of immaculate golf from master designer, Tom Fazio, practice facilities, brand new lighted tennis courts, fitness center with spa, and a charming French provincial country club featuring a resort-style pool.

TELLICO VILLAGE — TN

Set on 4,800 acres around Tellico Lake in the Great Smoky Mountain foothills, Tellico Village is an outdoor recreation paradise with three lakeside golf courses, three community marinas, complete boating services, and lakefront dining. Fitness facilities, indoor and outdoor pools, tennis/pickleball courts, and 50+ miles of local hiking trails give residents a choice of healthy activities every day of the week. The 200+ Tellico Village social clubs and volunteer organizations make it easy for neighbors to become friends. At the same time, the on-site Summit Medical Center offers convenient primary care and physical therapy services.

You won’t know until you go!

DISCOVERY TRAVEL

PINEHURST & SOUTHERN PINES — NC

With over 40 golf courses to choose from, numerous tennis clubs, quiet walking trails, fabulous lakes, great shopping and dining, and even an amazing equestrian community, “The Sandhills” has so much to offer! From award-winning golf at Pinehurst Country Club (with memberships starting as low as $12,500), to some of the cleanest lakes east of the Mississippi, the general area around Pinehurst is truly a gem.

THE VILLAGE AT CABIN BRANCH — MD

Stanley Martin Homes at Cabin Branch gives you the opportunity to live in a low-maintenance new home in an outstanding location close to everything you already know and love in and around Clarksburg, MD. Cabin Branch offers new construction singlefamily villas tucked off I-270 across from the Clarksburg Premium Outlets. This new neighborhood offers an array of distinctive, new villa home designs with all the modern-day features you will love including open-concept floorplans, main-level living, dedicated work-from-home spaces, and outdoor living options.

HAMPTON HALL — SC

Just minutes from Hilton Head, SC, and the charming town of Bluffton, Hampton Hall is an 1,100-acre private community in a pristine Lowcountry setting with all the amenities you could want, like a world-class golf course, vibrant tennis club, full-service fitness center, and a variety of dining options. The community spirit is one of welcome and inclusiveness, grace and comfort, modern luxury, and timeless traditions.

SHEPHERDS COVE — WV

Located in the Shenandoah Highlands of West Virginia along the upper reaches of the Potomac River, Shepherds Cove is a secluded retreat in a region known for its welcoming towns, seasonal festivals, and historic sites. Shepherds Cove amenities include a 23-acre common area on the water with boat docks, kayak launches, and private access to 12 miles of a navigable river, while the immediate area also includes mountain golf courses, wineries, mineral springs, ski resorts, and the Appalachian Trail.

To find more than 100 Discovery Travel opportunities, visit ideal-LIVING.com/ventureout

Unlock Your Housing Wealth

Examining Your Financing Options

With rising interest rates, it’s a good idea to consider all of your financing options for the purchase of your new home. In the Spring issue, we discussed reverse mortgages and why they might be a good alternative to a traditional mortgage or paying cash. When purchasing a home with a reverse mortgage, you can increase your buying power with the funds you need while eliminating a monthly mortgage payment. Here, we wanted to show you an example of how the process works.

Reverse for Purchase

Jerry and Kathy, both 68, have decided to move forward with their retirement dream of living close to the beach on Florida's Gold Coast. They are purchasing a home for $650,000, but they will only receive $460,000 from the sale of their current home. They could decide to go with a traditional 30-year loan for the remaining $190,000 at 5.5% interest with a monthly principal and interest payment of $1,078 and pay $198,367 in interest over the life of the loan.

Or, they could take out a reverse mortgage* which creates an additional $106,700 in available funds and no required monthly payments. Jerry and Kathy can now choose any combination of the following:

• Take all loan proceeds and add to their retirement savings

• Apply the $106,700 to their loan balance and create a line of credit with a growth feature, or

• Make voluntary payments to maintain equity.

Requirements

• Must be 62 or older

• New property must meet outlined requirements; it must be a single-family residence, 2-4 unit property, townhome, or condo

• New home must be your primary residence

• Maintain new property and keep up-to-date on property taxes, insurance, and any HOA fees

This illustrative example generated on 4/1/2022 assumes a loan with a principal limit of $366,000 and a variable-rate initial rate of 3.275% changing annually with a maximum rate of 8.275%. Loan origination fee of $0 and remaining loan fees of approximately $0. Monthly loan servicing fee of $0. Terms may vary and conditions apply.

The borrower must meet all loan obligations, including living in the property as the principal residence and paying property charges, including property taxes, fees, and hazard insurance. The borrower must maintain the home. If the borrower does not meet these loan obligations, then the loan will need to be repaid.

*A reverse mortgage empowers qualified borrowers access to the equity in their home or purchase a property without any required monthly mortgage payments. Interest and fees are added to the loan balance over time rather than collected monthly like a traditional mortgage. The balance is repaid when the last remaining borrower permanently leaves the home or if the loan terms are not met.

The South

Beaches, barbeque, bluegrass, and beyond. The South has its own culture, and it’s known for its own brand of hospitality. There are sleepy coastal towns that will lull you with breezes and windchimes, as well as cities with their own unique architectural styles and histories, which the residents are happy to share with all who visit. And, moving to the South can mean paying less in taxes, giving you more money to spend on what you want. From more popular destinations like Florida and the Carolinas to up-and-coming states like Mississippi and Arkansas, everyone can find something to love about the South.

Living Naturally

You might say that there's pervasive comfort to the state of Arkansas, a place of safety and tranquility, of natural wonders, unparalleled scenery, and an enriching history that will captivate your curiosity. Come visit and feel the comfort.

0.61%

Arkansas is referred to as “The Natural State,” a well-earned moniker given its countless National Parks, wilderness areas, national wildlife refuges, protected waters, and over 50 state parks. Plus, almost its entire eastern border is framed by the venerable Mississippi River. Natural indeed! Arkansas is a haven for outdoor recreation and adventure of every sort. The state also boasts a rich cultural community, thanks in part to Walmart heiress Alice Walton, who brought life to the remarkable Crystal Bridges Museum of American Art in Bentonville—open free to the public. Little Rock is the state capital and largest city, while Fayetteville is a charming town and home to the University of Arkansas. Whether your taste runs toward city life or smaller-town living, you'll be amazed at the affordability of Arkansas’s residential offerings, with home prices often running 50% below the national average. Cost

ARKANSAS

Recreation Opportunities

From the languid cypress swamps of its delta south to the scouring rivers, waterfalls, and towering limestone bluffs in the mountainous north, Arkansas offers every kind of terrain for outdoor recreation. Up north, the 153-mile Buffalo National River is one of the few remaining undammed rivers in the continental U.S. and is a haven for white water rafting, trout fishing, or just lazing in one of its secret pools. Along with housing the Crystal Bridges Museum, Bentonville has been self-declared as the “Mountain Bike Capital of the World,” the epicenter of a burgeoning system of premier singletrack trails that crisscross the state. Care to partake in the restorative waters at Hot Springs National Park? Then tour the historic town, which includes grand landmark bathhouses, engaging art deco architecture, as well as a casino and thoroughbred racetrack that is home to the prestigious Arkansas Derby.

Health Care

Owing to the fact that much of Arkansas is rural in nature or conserved land, the number of premier hospital facilities in the state is limited, hence its health care ranking is not particularly high. However, there are top-rated facilities in Little Rock with The University of Arkansas for Medical Sciences Medical Center. And the Washington Regional Medical Center in Fayetteville is ranked #1 in the state by U.S. News & World Report

Resources

Arkansas is the grateful beneficiary of an ancient sea bed that was pushed up during the Paleozoic Era and created the high plateau that today is the Ozarks or Ozark Mountains, which offer every kind of water recreation, plus hiking, birding, rock climbing, cycling, and cavern explorations. The Ozarks stretch north into Missouri where, just minutes over the Arkansas border, you’ll find Branson, one of the premier entertainment and recreation capitals in the country. And while you’re crossing borders, jump a mile across the Mississippi and take in the riverfront allure of Memphis, home to the Delta blues, the honkey tonks of historic Beale Street, and Sun Records, where Elvis recorded his first songs.

Climate

Like many states, the climate in Arkansas is partially driven by topography, with the mountainous northwest part of the state enjoying cooler summers and the mostly sea level southeast portion appreciating warmer winters. The southeast can get hot and steamy in the summer, with average highs in the low 90s, but spring and fall are delightful. While being a Southern state, Arkansas does flash impressive fall leaf colors.

Welcome Home to Mississippi

Mississippi is a spot where history, agriculture, and Southern charm meet. Called the “Hospitality State,” Mississippi is a pleasurable place to be. It's also sometimes called the birthplace of blues, and Mississippi is known far and wide for its famous barbeque, tamales, and catfish.

3 - 5%

Effective income tax

No tax on social security and certified retirement income, including IRAs and 401Ks

Disabled homeowners or those over 65 can apply for an exemption on the first $75,000 in property tax value

Lowest cost of living in the country

Median home value is $161,162, making it one of the most economical places to live

While many of the states in the South can seem overcrowded and pricey, Mississippi has avoided that reputation. Housing costs are significantly lower than other nearby states, making it somewhat of a hidden gem. Its affordability is just one of the many things to love about it. There are 25 state parks with opportunities for kayaking, hiking, picnics, and more. Plus, Mississippi has many historic sites and buildings for those history buffs out there. You can explore the Natchez Trace, civil war battlefields, and colonial settlements. And, for avid bird watchers and nature enthusiasts, Jackson County features the Mississippi Sandhill Crane National Wildlife Refuge. Mississippi is truly an ideal location for anyone looking to save money on real estate and spend more time on what’s important.

Beaches

White sand beaches extend 62 miles along the Gulf Coast, where small towns dot the shore. If you’d like to try your luck in the casinos, visit Biloxi.

Open Spaces

If you want to get away from it all, Mississippi is one of the most rural states in the country. That means there’s a lot of land for hunting, fishing, and outdoor life. Fifty-one percent of the population lives in rural areas.

Southern Hospitality

Yes, it’s true: Southern hospitality is alive and well in Mississippi. Neighbors are very friendly and will welcome you with open arms.

Climate

Mississippi is known for its warm and humid climate. Winters are warm. You might not have a white Christmas here, but, in Mississippi, you’ll probably never have to bring out the snow shovel either.

Two-Stepping in Texas

As one of the largest states in the union, the perks of living in Texas are more than oil and BBQ's! It's the birthplace of Dr. Pepper, has America's largest rose garden, and its capital city, Austin, is ranked as number one for live music. There's no shortage of outdoor activities to enjoy, featuring desert canyons, crystal-clear waters, and beautiful forests.

0% State income tax corporate income tax

No state property tax. Taxes are assessed by local county assessors on 100% of the appraised value and paid once a year.

Fourth-lowest tax burden among the 50 states

Texas' comfortable climate and low cost of living make it a fantastic place for retirees and one of the fastest-growing states in the country. If the idea of low taxes and a low cost of living speaks to you, then check out Texas to see just how far your income can stretch. There's plenty of safe, award-winning communities in a range of cities, suburbs, and more secluded areas. Explore the vibrancy of Austin, take in historic buildings, and dolphin watch in the southern-most coastal city of Brownsville. If you're looking for somewhere away from the bright lights of the big city, take a trip to Granbury. Voted the Best Historic Small Town in America in 2019 and 2020, this quaint historic town also has more than its fair share of Southern hospitality. Plenty more options are available along the banks of the Rio Grande, such as Moore Park and San Felipe Springs.

Start living the lifestyle you’ve been dreaming about with Encore by David Weekley Homes. Our lifestyle-driven approach to home design offers the ideal balance of livability with thoughtfully designed floor plans featuring indoor and outdoor entertaining spaces and a high level of customization to make your new home everything you’ve imagined.

Plus, you’ll delight in more freedom and fun in one of our friendly 55+ lifestyle communities offering a variety of amenities, clubs and activities – all planned by a lifestyle director – to enhance your active life. These intimate communities make it easy to develop friendships with your neighbors, too.

David Weekley Homeowners Beth McGee, Shirley Shaw and Cindy Adair

Health Care

Hospitals within some of the larger cities, such as Austin, Dallas-Fort Worth, Houston, McAllen, and San Antonio, have great reputations.

Climate

Generally speaking, Texas has a year-round sunny climate, with an average annual temperature of 65.3°F. Winter can be quite cold in the far north and becomes progressively milder the further south you go. Texas has arid and semi-arid climates in its west and humid and sub-tropical climates in its east.

Recreation

Texas is a big state, known for its big open spaces and big choices when it comes to outdoor activities. The Franklin Mountains, the Davis Mountains, and the Guadalupe Mountains provide plenty of hiking, climbing, and camping options. With over 90 state parks from which to choose, marvel at the natural wonders of this vast region. Nicknamed the "Grand Canyon of Texas," Palo Duro Canyon is the second largest in America and features over 30 miles of trails with its multicolored sandstone formations. Right in the heart of central Texas is Enchanted Rock State Natural Area, which received its name due to the pink granite "dome" that rises up 425 feet. Raft down the Rio Grande from Berrydale to Rafters' Rest or float along the Guadalupe River and take in the diverse wildlife. With 350-plus miles of coastline, Texas also has sandy beaches, and if you're a horse lover, you're in the right place. Texas is known for its enduring love of the cowboy lifestyle, and riding and rodeo remain popular activities in Texas. You can even ride in downtown Austin, which incidentally held the title of the best city to live in for three consecutive years.

Waterfront Living at its Best!

Are you looking for the perfect spot for your retirement? Come see what retirement living at Shell Point is all about. Since 1968, Shell Point has set the standard for retirement living in Southwest Florida. Located along the Caloosahatchee River in Fort Myers, Shell Point is just minutes from Sanibel

Island and the Gulf of Mexico. The beauty of Shell Point’s waterfront location is unmatched, but what really sets Shell Point apart are the resort style amenities including boating, pickleball, tennis and championship golf — plus the assurance of Life Care. Unparalleled setting. Unparalleled lifestyle.™

Finding the Sweet Spot in Awesome Alabama

This sunny state is famous for its oversized share of Southern hospitality with a delightful side of sweet tea. Located on the Gulf Coast, the seafood is heavenly, and Alabama has the last all-water mail route in America!

2 - 5% Personal earned income tax rate

3.33%

Median effective real property tax rate, among the lowest in the nation

The hidden gem of Alabama not only has great weather all year round, with miles of inland waterways and lush forests; it also has a deliciously low cost of living, with some of the most bang-for-your-buck real estate prices in the country. This economical state allows retirees to invest in the lifestyle of their dreams rather than inflated rent or high mortgage rates. Steeped in music, Alabama is home to legends such as Aretha Franklin, Jimmy Buffet, and Nat King Cole. Explore the Alabama Music Hall of Fame in Tuscumbia or the Jazz Hall of Fame in Birmingham. Making Alabama your forever home means living the good life on the Gulf Coast, with 60 miles of beaches to savor, culinary delights galore, historic charm around every corner, and all while enjoying a low rate of sales tax.

Climate

A year-round sunny climate offers an average annual temperature of around 64℉. It’s slightly cooler in the northern counties and slightly hotter to the south. A cool breeze from the Gulf of Mexico supports a consistently pleasant temperature that encourages an active, outdoor lifestyle.

Health Care

Although not typically associated with the best health care in the country, a recent ranking revealed that three of the nation's top hospitals are in Alabama. Additionally, you’ll find every health care service conveniently located and with plenty of options.

The West

Picture yourself surrounded by mountains and blue skies in every direction. The American West is a frontier full of wonder. National parks abound with opportunities for camping, hiking, biking, horseback riding, kayaking, and so much more. But, even if nature isn’t your number one priority in retirement, you’re still sure to find something to enjoy. Arizona, Utah, New Mexico, Colorado … they’re all filled with charming towns. The arts scene is as magical as the landscapes. Not to mention, the uninterrupted beauty and four-season climate of this corner of the world brings a kind of peace you won’t be able to find anywhere else. If you are looking for the intersection of adventure and culture, look West.

Getting Grand in Arizona

The Grand Canyon State not only has breathtaking scenery around every corner, but it also has more than 100 wineries to visit while you enjoy the views. With a choice of golf courses second only to Florida, year-round sun, and a culinary scene to make your mouth water, it’s no wonder Arizona is one of the fastest-growing states in the country.

Effective

Climate

Arizona is well-known for its dry, desert heat and year-round sun. It doesn’t receive much rainfall, but surprisingly, there are pockets of the state that do experience all four seasons, such as Flagstaff. Nights tend to be cooler, which provides respite from the intensity of the summer heat, and the lack of humidity generally means an active, outdoor lifestyle is easy to maintain.

Arizona boasts a cost of living that is below the national average. This enticing fact and the 22 world-famous national parks and endless outdoor activities such as hiking, kayaking, climbing, and even hot air ballooning make Arizona an attractive relocation destination. Additionally, Arizona is a hive of activity, blending Native American and Hispanic cultures with a southwestern vibe to host eclectic festivals, art exhibits, delicious food, and theatrical events throughout the year. Combine this with some of the safest cities in the country and non-existent humidity, and we see why Arizona is looking so good. But did you know that Arizona is also one of the only states that doesn’t change the clock in fall or spring? Now that’s a real bonus!

Health Care

If health care is informing your next move, you need to know that Arizona has some of the best-rated hospitals in the entire country, including Mayo Clinic Arizona's two campuses—one in Phoenix and one in Scottsdale. Many surveys show that a majority of retirees are overwhelmingly happy with the available health care.

Recreation Opportunities

Arizona is a nature lover’s paradise, from the never-ending sunshine to the stunning rock formations. Camp in the most famous canyon in the world, soak up the beauty of Saguaro National Park, or kayak, paddleboard, or water ski at Lake Powell or Lake Mead. Take in the stunning colors of Antelope Canyon, with its endless rock walls, and check out the water at Emerald Cove, where microscopic organisms create its intense green color. Golf fans can tee up at more than 300 world-class courses across the state. There is so much to discover in this stunning state of deserts and mountains, forests and rivers, waterfalls and canyons; you’ll never run out of places to explore.

Magical New Mexico

From vast desert plains to dramatic volcanos and mountains, New Mexico is home to one of the most diverse landscapes in the world. Add to this its award-winning wine status, Santa Fe as the nation's highest elevation state capital, and the ancient Taos Pueblo, and we know New Mexico has to be seen to be believed.

0.78%

Effective property tax rate

Median annual property tax paid by homeowners in New Mexico is $1,403, about $1,200 less than the national median.

I grew up in New Mexico and moved back to raise my family here. In many ways, it's still undiscovered. It has an incredible quality of life with a four-season climate. There is a genuine love of the arts, history, and culture here, and, did I mention, it's beautiful! It's not crowded, and you can see 30 to 50 miles of blue sky. At night you can see all the stars since there is no light pollution. As a state, we're trying to evolve at a pace we can manage to preserve all of the things we love about New Mexico."

John Garcia, Secretary of General Services Department, New Mexico

New Mexico is fast becoming a hot relocation destination due its exotic scenery, well-planned communities, and rich native American and Spanish culture. From the thriving artists’ community of Santa Fe located high in the mountains to the ski resort of Taos, New Mexico can accommodate a range of interests and lifestyles. Las Cruces is another charming town in the south of the state, providing a less expensive option to the more popular Santa Fe. Whether you’re a connoisseur of stunning sunsets, a UFO-enthusiast, or just a lover of the Spanish-inspired cuisine, New Mexico has an abundance of choice. And to top it all off, New Mexico has some of the lowest cost of living in the country.

Resources and Recreation

Climate Recreation Opportunities

There’s plenty of sunshine! And the arid, dry heat of the long New Mexico summers makes it a wonderful year-round temperature, rather than having over bearing humidity. Much of the winter rain falls as snow in the mountains which is ideal for the ski resorts.

Health Care

New Mexico emerges as a health care leader by pushing for affordable care and prescription drug coverage for its residents. With many award-winning hospitals across the state, excellent treatment is available. The Vincent Regional Medical Center in Santa Fe is among six hospitals in New Mexico to receive a four out of five-star rating for overall quality, in a report by a government health care agency.

Home to five national forests, 15 national parks and monuments, 34 state parks, and eight ski resorts, the Land of Enchantment is abundant in its range of outdoor possibilities. Wheeler Peak, near Taos, is New Mexico’s highest mountain and Elephant Butte Lake State Park, is the state’s largest lake. Hike through the dunes of White Sands National Monument, or camp in the vastness of City of Rocks State Park for mind-blowing sunsets and places to climb. Capulin Volcano National Monument towers over the edge of the Great Plains in the state’s northeastern corner. It allows you to drive to the top of the 8,000ft cone for a view, including Texas, Oklahoma, Kansas, and Colorado. Full facility RV parks are plentiful across the state, allowing for comfortable camping in some of the most scenic spots. And if you’ve ever wanted to go scuba diving, there are plenty of companies to choose from, so you can knock this off the bucket list. No write-up on New Mexico would be complete without mentioning the Roswell UFO Museum, where the curious can decide for themselves what happened in 1947!

Income Taxes

New Mexico is moderately taxfriendly toward retirees. Social Security income and withdrawals from retirement accounts are only partially taxed. Wages are taxed at normal rates, and the marginal state tax rate is 5.90%. Starting in 2022, New Mexico offers a limited and temporary tax break for military pensions. Up to $10,000 of military retirement pay is exempt from tax for the 2022 tax year. The exemption amount is increased to $20,000 for 2023, and then to $30,000 for 2024 to 2026.

Wide Open Spaces

While Kansas is most known for being the iconic home of Dorothy and Toto, there are plenty of reasons why you should consider residing in this state. Kansas is home to miles of idyllic locales: farms, gardens, and parks, which make it a serene and beautiful destination to keep in mind.

Multiple programs are available to make home buying affordable for seniors by significantly lowering property taxes.

Kansas has a reputation for wide open spaces. These open spaces, as well as low housing costs, are inspiring many retirees to flock to the state. But, this doesn’t mean that Kansas doesn’t have its fair share of cities and small towns to discover. In particular, Kansas prides itself on its college towns. These are great destinations for those looking to learn something new in retirement, watch some football games, and feel young at heart. Plus, around the state, there is a lot to enjoy. From Old Cowtown, which reimagines the state’s cowboy roots, to Botanica, a collection of themed gardens with thousands of plant species, to state parks and wildlife reserves. There’s many reasons why those 55 and older are loving life in Kansas.

3.1 - 5.7% State income tax Climate

There are definitely four distinct seasons to look forward to in Kansas. Average temperatures range from 31℉ in January to 81℉ in July. The humidity is pretty mild, but no matter the time of year, the sunsets are consistently majestic.

Healthy and Happy in Carefree Colorado

Colorado, the state of stunning plains, rivers, canyons, and mountains, also has progressive cities buzzing with the very best 2022 has to offer. Among the many must-see unique aspects of this vast state is Four Corners Monument—the only spot in the country where you can stand in four different states at the same time: Colorado, Arizona, New Mexico, and Utah.

Home to some of the best ski destinations in America, Colorado resorts will not disappoint. But skiing is just one of the ways Colorado promotes an active lifestyle. There’s hiking, camping, kayaking, and climbing galore. Rocky Mountain National Park is a mecca for wildlife viewing, and when Trail Ridge Road is open, you can see coyotes, black bears, moose, marmots, bighorn sheep, and elk.

In fact, not only are there abundant opportunities for communing with nature, but Denver, Fort Collins, Colorado Springs, and Boulder are routinely listed as some of the healthiest cities in the nation. With a high life expectancy, great year-round weather, low property taxes, and friendly people, Colorado is an enticing relocation option for many.

0.49%

Average effective property tax rate

4.5% Flat income tax rate

5th lowest state in property taxes

Climate

Given its vast size and diversity of terrain and elevation, Colorado has a little of everything, featuring four out of the eight climate zones. Winter brings plenty of snow, but the sun shines virtually all year round, and the low humidity makes for a fresh environment ideal for an outdoor, active lifestyle.

Health Care

Often ranked as one of the healthiest states in the country, Colorado is renowned for its state-of-the-art medical centers and exceptional hospitals. Also named one of the best states for health care in a report from Healthcare Transformers

Income Taxes

Considered to be tax-friendly for retirees, did you know that Colorado allows a deduction of $24,000 per year on all retirement income for taxpayers 65 years and older?

Recreation

Discover breathtaking waterfalls in spring, camp under the stars all summer, hike through the fall foliage, and snowboard your winter away. After a long day on the slopes or climbing Star Dune, America’s largest sand dune at Great Sand Dunes National Park, bask in the natural hot water of Glenwood Springs, the largest mineral pool in the world and one of the hottest in Colorado. Rocky Mountain National Park has soaring mountain peaks, alpine lakes, lush forests, and diverse wildlife showcasing nature at its best. Equally, Colorado cities are full of bike trails, global cultural opportunities, and a vast range of cuisine. Standing 1,053 feet tall, the Royal Gorge Bridge in Canon City is one of the highest suspension bridges in the world, and it has a theme park, camping, and whitewater rafting running through the gorge.

Out of this World in Nevada

The Silver State has way more to offer than the largest deposit of this muchloved metal and possible alien landings. Not only is it considered the entertainment capital of America, it has more mountain ranges than any other state. From the glittering lights of Las Vegas to epic scenery and outdoor adventure galore, Nevada should be high on the list of states to visit.

There is a wide selection to choose from when it comes to award-winning retirement communities in Nevada. Reno in the northern part of the state allows for easy access to resort areas around Lake Tahoe, the Sierras, and Sacramento. As one of the most tax-friendly states for retirees in the country, Nevada also offers stunning national parks such as Valley of Fire State and Red Rock Canyon. Historic towns offer a vibrant cultural scene and culinary delights to satisfy the most adventurous foodies. The state's capital, Carson City on the banks of the beautiful Lake Tahoe, is surrounded by the Sierra Nevada mountains and is a great starting point for an exploration of this gorgeous state.

Resources and Recreation

Climate Recreation Opportunities

The diversity of its weather almost matches the diversity of Nevada’s landscape. Luckily, hot summers take up way more of the year than the brief winter of two or three months that supplies the much needed snow for prime skiing resorts. Carson City has the best of everything with an average of only nine inches of rain and 253 days of sun each year.

Resources

Being fondly referred to as the Silver State speaks for itself. Nevada is rich in mineral deposits, particularly gold and silver. The mining industry is a major part of the Nevada economy, in addition to the obvious income from the entertainment capitals of Las Vegas and Reno.

Whether you’re looking for the world-famous glitz of Las Vegas, breathtaking hikes in the Valley of Fire State Park, or on-point skiing in the Ruby Mountains, Nevada has you covered. Take a spin on the world’s largest observation wheel, ride a Venetian gondola, or experience the Fountains of Bellagio in Vegas. Want to be outdoors? Go paddle-boarding, jet skiing, or camping in the popular Lake Mead National Recreation Area. Northern Nevada is also a surprising golf mecca, where the nine courses around Carson City enjoy the splendor of the Sierra as a backdrop. Did you know that as many as 19,000 wild mustangs and donkeys live in Nevada? You may be lucky enough to spot a herd from the Extraterrestrial Highway (State Route 375) or Highway 50 – coined the Loneliest Road in America, or book a wild mustang tour out of Reno. And, if you’re inspired to go underground, visit Great Basin national park, home to the stunning Lehman Caves, hollowed out of limestone and marble around 550 million years ago. Take a tour to witness the spectacular stalactites, stalagmites, and rare formations.

What is the best thing about living internationally? Affordable health care? Low tax options? Warm tropical climates? The fact that the weight of the world seems to lift itself off your shoulders? We'll let you decide. Every day is a new chance for exploration when you are living abroad. You can hike to a waterfall, zipline through the jungle, learn a new language, try a new dish, or live it up on the town. You can let your imagination run wild. When you are out in the world, the opportunities are endless.

La Pura Vida

Living “La Pura Vida” (the pure life) is one reason Costa Rica has become one of the most popular places in the world for North American retirees and expats to relocate. This beautiful country lures people to pack their belongings and reinvent their lives in Costa Rica.

Compared to many other countries in Central America, Costa Rica enjoys far more political and economic stability and has a moderate growth rate. It’s a democratic country, and that doesn’t seem likely to change. In addition, it has a relatively low cost of living to make it even more convenient, allowing even those with moderate incomes to live in relative comfort. In recent years, Costa Rica has also become the hub of a thriving technology sector. It is a vast country of rolling mountains, open plains, and lush river valleys. Known as the Switzerland of Central America, Costa Rica has no military, which has allowed military budgets to be diverted to the growth priorities of education, the environment, tourism, and health care. Costa Rica has a stable economy and currency, allowing residents to plan their costs and maintain their budgets safely.

We first came to Costa Rica on a cruise ship; then we just started vacationing and thought we might we want to live here when we retire. We were blown away by Arenal Hills. The craftsmanship of the homes was mind-blowing. It’s a beautiful property with rainforest and waterfalls where we have seen sloths, toucans, and blue jean frogs. If you love wildlife, it’s all here. You never have two days the same when you are here. People have so much pride in their country, and it’s well-deserved. They have done a beautiful job of protecting the environment and caring for what they have. I love the Pura Vida. We are so at peace in Arenal Hills.”

Sandy and Doug Guenter Arenal Hills

White Sand Beaches of Mexico

Mexico has become the most popular international haven for Americans and Canadians. Of the estimated 11.5 million who have chosen to live abroad, more than two million live in Mexico. Moreover, getting back and forth between the countries is effortless with direct flights between major cities.

Mexico boasts diverse climates that range from tropical to temperate mountain air found in higher altitudes. From Yucatecen to Tampico, the food of Mexico will delight any palate. You'll also find many living options, from 16th-century colonial towns and metropolitan cities to lake villages and beach towns. Known for its world-class beaches, you have your choice of the palm-fringed Pacific Coast or the powder-white sand beaches of the Caribbean.

The immigration process is streamlined and straightforward, with one of the world's easiest ways to qualify for temporary or permanent residence. And, Mexico offers an affordable cost of living and health care.

“We really enjoy the Costa Rican people; they are kind and helpful. We’ve tried to immerse ourselves in the culture. Here you are on “Tico Time.” People will get to it in their own time. You just have to go with the flow.

We advise others to do their due diligence. People might want it to be where they came from, but you really need to embrace the culture. It is not cheap to live in Costa Rica. If you want to buy products that are not naturally grown or manufactured here, you will pay more. The restaurants serve locally grown foods. I lost over 25 pounds from just eating a healthier diet in two and a half years. Most people have produce that grows in their yards. We have mango, lime, and avocado trees in our yard. Every weekend in every town, there are farmers markets with some fruits and vegetables you might not even recognize, but you can get a week’s worth of fruits and vegetables for $30.

We love our life in Los Reyes—it’s 20 minutes to the hospital and the airport. And, we’re only an hour from the beach. We belong to groups that go into San Jose for cultural events. We live on the golf course, and it’s a gated community. Los Reyes reminds us of an old-time neighborhood with large trees. It’s established and secure. We really have the best of all worlds.

And, when it comes to health care, I feel more comfortable in Costa Rica than I would have in the states. The doctors and nurses genuinely care about you — you are not just a name or number on a chart. You can pay as you go, but health care is cheaper here than in the states.

Put Costa Rica on your bucket list."

Susan and Bob Locke Los Reyes, San Jose, Costa Rica

The Center of the World

Ecuador is one of the most bio-diverse countries on the planet and happens to hold the distinction of having a city in the middle of the world. Adventure awaits whether you climb in the rain forests or venture to the Pacific to surf or scuba dive, or maybe even take a trip to the Galapagos Islands.

Life in Ecuador is much like life in Costa Rica about 15 years ago, with friendly people and a low cost of living. Although the majority of the population lives below the poverty level, the people are very happy to share their country with those who appreciate it. Quality health care in Ecuador is very inexpensive; U.S.trained doctors' appointments are roughly $30, and insurance is around $200 a month for a couple aged 65. Health care costs are roughly 10 to 20% of what they would be in the U.S. To top it all off, the country's official currency is the U.S. dollar.

All of this and the weather is amazing. The year-round temperature ranges from 84 to 91 degrees in the day and between 68 and 75 degrees in the evening, and the temperature cools as you increase in elevation.

Between Two Worlds

Embedded between two continents and two oceans, Panama is small in size but enormous in features. It is perfectly packed with geological and biological diversity, rich culture and history, a thriving economy, and a quality lifestyle. For most of the year, Panama is sunny with an average temperature in the mid- 70s in the mornings and mid-80s in the afternoons. While the rainy season lasts from April to September, there are no hurricanes.

The raw beauty of Panama's landscape offers endless exploration. Visit the stunning archipelagos made up of hundreds of islands. Experience some of the most beautiful beaches in the world. When you add to the mix the country's lush cloud forests, mountains, lakes, and rivers, you'll find you're living in a true natural sanctuary.

Panama has a thriving, stable economy with an affordable cost-of-living and world-class healthcare, while also providing a tax haven.

“In Ecuador, every day has perfect weather. We wanted something luxurious but affordable. We searched for a long time, and Ecuador wasn’t even on our radar. We found Los Olas on a web search, and it checked 12 for 12 on our wish list. Weather, golf, and horses, who could ask for more? The cost of living is about half of that in Canada. We cashed out early and moved here four and a half years ago.”

Greg and Lisa Josie are renting a condo in Manta just an hour south of Los Olas while they build their home with golf, mountain, and ocean views, and all within walking distance to their horses.

Lisa is a champion show jumper and barrel races and needed somewhere she could ride. She’s also completed two Ironman races in Ecuador so far.

Lisa says, “On one of my rides the other day, we came upon a sea lion on the beach. That’s not something horses are used to seeing. We get to ride on the beach and in the mountains.

"We’re not giving up creature comforts, but when you live here, consumerism disappears. You buy what you need. We wear shorts and t-shirts and sandals all of the time. You also eat a lot healthier here— everything is all-natural. I lost 30 pounds when we moved here, and Greg lost 20 pounds.

"We had socialized medicine in Canada that always covered everything, but we have found that health care in Ecuador is exceptional. The doctors even make house calls."

Lisa and Greg Josie Los Olas, Ecuador

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