Motley Fool Money The Best Places to Retire, and Play It Safer Before Retirement
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Mar 21, 2026 
Matt Frankel, a certified financial planner and real estate expert, explains The Motley Fool’s Best Places to Retire report. He highlights why quality of life and activities top the list. They discuss county-level rankings, surprising inclusions, regional trends like Florida’s strength, and practical relocation considerations such as healthcare, testing a move, and balancing social ties and second-home strategies.
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Dial Back Risk As Retirement Nears
- Diversify broadly and include bonds/cash, especially as you near major goals or retirement.
- Tom Gardner recommends owning up to 50 stocks; target-date 2030 funds averaged ~50% stocks, 43% bonds/cash per Robert Brokamp.
Pre-Retirement Returns Drive Spending Power
- Returns immediately before retirement have the largest impact on lifetime retirement spending.
- ThinkAdvisor study: pre-retirement returns matter more each year as you approach retirement; post-retirement returns decline in importance faster.
Geopolitics Can Raise Treasury Yields
- Geopolitical shocks don't always lower Treasury yields; inflation and oil spikes can push yields higher.
- After the Iran war started, 10-year yield rose from 3.97% to 4.32% as inflation and Fed expectations shifted.