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.

10. Tennessee

The most heavily weighted category of finances and tax rates came in at an A in Tennessee, while the availability and cost of housing earned a B.

9. Nebraska

Nebraska’s quality of life earned an A, while finances and taxes came in at a B.

8. Missouri

In Missouri, housing costs and availability ranked an A, while finances and tax rates came in at a B.

7. Iowa

Iowa earned an A on its quality of life and nothing less than a C in other categories.

6. Delaware

Delaware’s tax rates and finances, the most heavily weighted category of the six, received a B, as did the availability and cost of health care.

5. Wisconsin

Wisconsin earned Bs and Cs in all categories, including its favorable tax rates and finances and the availability and cost of health care.

4. Wyoming

Wyoming earned its high ranking by receiving As in finances and quality of life.

3. Minnesota

It may be cold in Minnesota, but the state earned Bs in everything except the cost and availability of housing.

2. South Dakota

South Dakota’s finances were rated A and quality of life came in at a B.

1. Virginia

Virginia won the top spot by earning nothing less than a C in any category and getting As in finances and quality of life.