We research all brands listed and may earn a fee from our partners. Research and financial considerations may influence how brands are displayed. Not all brands are included. Learn more.

This year’s Best Places to Retire list may surprise you. None of the typical beach-and-golf spots made the cut. The reason is simple. Most popular retiree destinations score surprisingly low in the factors that help guarantee a financially stable retirement, according to the National Institute on Retirement Security.

To help you find a secure place to spend your post-work years, Money limited the Best Places to Retire list to the 12 states ranked highest by the NIRS. The result: 9 winning towns that offer affordable living, great encore career opportunities, and plenty of amenities.