There are many factors to consider when deciding where to spend the golden years of retirement and Bankrate, a web-based financial resource, has gathered data to help retirees make that decision.

Lifestyle comes into play, but so do practicalities such as how to live on a fixed income and how to take care of health needs. With that in mind, Bankrate conducted its annual retirement study, which ranks the 50 states using data about health care quality, tax rates, weather, cost of living and crime rate.

It included a wellness score from the Gallup-Healthways Well-Being Index, which measures Americans' perceptions of their overall quality of life by asking about things such as their sense of purpose and social relationships.

Following are the 10 states, in descending order, that ranked last on the happy retirement list:

10. Maryland

Maryland may have nice beaches, but it has a high cost of living, high taxes and an above-average crime rate.