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In this article, GOBankingRates will consider all these factors to determine the top sixretirement states for middle-class Americans.

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This combination allows retirees to maximize their savings and focus on enjoying life.

Its a state where retirees can find both excitement and tranquility.

Bill Boersma, a life insurance consulting expert, explains the financial advantages retirees can expect.

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Cities like Knoxville and Chattanooga boast hospitals with specialized geriatric services.

One of the top factors that makes Florida great for retirement is itsextensive healthcare web link.

Some of the nations best-ranked hospitals and geriatric care centers are in cities such as Tampa and Orlando.

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Art shows, farmers markets and volunteer opportunities give retirement life vibrancy and keep residents socially connected and active.

From country music festivals to state fairs, retirees have plenty to do and see during their golden years.

Along with milder winters, seniors can enjoy outdoor activities throughout the year.

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Boersma detailed thefinancial planning opportunitiesTexas provides.

Its property tax rate is notably low at 0.52%, approximately half the national average.

Retirees within the same bracket can deduct up to $10,000 from their retirement income.

The Social Security benefits are not taxable at all.

Anyone aged 60 and above is free to take tuition-free classes at any of their state colleges and universities.

Adding to its appeal, South Carolina boasts a cost of living that supports retirement funds sustainability.

Arizona

Arizona is tax-friendly for retirees, making it one of thebest retirement statesfor middle-class Americans.

The state offers tax exemptions on retirement income, including pensions and any distributions from retirement accounts.

Arizona does not tax Social Security benefits, providing retirees with less financial strain.

Affordable areas such as Green Valley offer workshops and social groups, creating a warm, purpose-driven community feel.

Without forgetting, healthcare services in Arizona are all a plus for retirees.

Dentistry and doctor check-ups are 5% lower than the national average, perRentCafe.

The Grand Canyon State is a perfect option for middle-class retirees who prefer year-round sunshine.

Retirees can enjoy recreational activities like biking and hiking thanks to Arizonas mountain ranges and several trails.

The state is also a haven for golfers because of its 370 golf courses.

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