After looking at all the available information, GOBankingRates found that California is home to the nation’s five most expensive retirement towns, with Saratoga coming in first place.

Colorado is ranked No. 3 as the best place for retirement in the U.S. due to its tax-friendly policies, low poverty rate among senior adults, and abundant recreational opportunities.

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The best tax-friendly states for retirees are those with no state income tax and the lowest combined property taxes and sales taxes, as well as tax-friendly policies.