I’ve spent some time lately discussing states with booming economies like South Carolina, and states that are near bankruptcy, like Illinois. Depending on a state’s fiscal strength, or lack thereof, your earnings could be targeted to fill the gaps. And some states have a cost of living so high, no matter what you’re making, it’s nearly impossible to save.

Maximizing your savings early on is the most important thing you can do to jumpstart the power of compounding in your retirement portfolio. But many Americans aren’t making very much money until their peak earning years, from say 45 to 65. Savers at this stage in the game need to maximize the effectiveness of their efforts. If you’re thinking about a pre-retirement move, Financial Advisor Magazine has highlighted a study that ranks the states by their benefit to pre-retirees. Karen DeMasters writes:

“We did not consider the weather. We wanted to expand people’s horizons beyond Florida and Arizona. A state that has a poor financial situation may raise taxes or cut benefits. The resources in a state with a lot of retirees may be overwhelmed,” Peterson says.

Full employment before retirement can mean a bigger nest egg, and the availability of affordable housing and assisted-living facilities are crucial to older Americans, says LPL. The states also were judged on the availability of employment and education and the overall wellness of residents.

LPL ranked the 50 states and the District of Columbia. Following are the top 10 places for pre-retirees in ascending order and a few of the reasons each stands out.

See the rankings here.