As real estate brokers like to say: Location, location, location are the three most important factors in a real estate deal. But in the case of deciding where to retire, how do you judge which locations are good or bad?

LPL Financial recently released a report that used factors ranging from finances to education levels to crime rates to help near-retirees weigh which states are best and worst for retirement living.

States were graded from A to F in six categories: finances, healthcare, housing, quality of life, employment and education and wellness, with varying weights assigned to each category. Here are the top 10 states where factors converge to encourage a good retirement, says LPL, with number one being the best.