And what if you develop a health condition that requires better and more affordable care? Or what if you have to find a job once you've called it quits at the job you have now — is the labor market senior-friendly?

Related: 4 tenets of health care for an aging population

Whatever it is that floats your boat, you need to choose carefully when deciding on where to retire.

To that end, WalletHub has compiled a list of the best and worst states to retire this year.

Grading all 50 states and the District of Columbia on how they fare regarding everything from cost of living to taxes on pensions and Social Security, the size of the senior population and how job-friendly the place is to seniors, they also looked at recreational activities, public transportation, violent crime, air and water quality, health care and life expectancy.

What follows below are the 10 places WalletHub ranked as the worst states to retire in. Think twice before you call the movers…

10. Arkansas

Arkansas may have taken 2^nd place for adjusted cost of living, but there are other reasons you may want to think twice about retiring there.

For instance, despite the fact that it's pretty tax-friendly on pensions and Social Security, finishing in 10^th place, it's down at 40^th place on taxes overall—not a good thing.

It's also in 39^th place for an elder-friendly labor market—not good if you'll need a job—and 49^th place for public transportation, which is really not good. Not only that, it ranks 42^nd for having such a large portion of its 65-plus population living below the poverty line.

9. Kentucky

Kentucky does even worse than Arkansas on the percentage of its elder population living in poverty, at 47^th place; while its labor market ranks a little better, at 31^st place, its elder-abuse protections only got it a 43^rd-place finish.

Its elder population isn't in good health, either; the state finished in 47^th place for that, and when it came to emotional health it only rated 49^th.

8. Vermont

Vermont, amazingly, has lots of 1^st-place elements to finish so low on the list: it's tops in having its 65-plus residents covered by health insurance, and in its low violent and property crime rates.

But then there's it's 43^rd-place finish for adjusted cost of living, 48^th-place finish on tax-friendliness for pensions and Social Security, and 50^th place for the annual cost of adult day care. Oh, and the state's weather ranked it 48^th.

7. New Mexico

Elders don't have it easy in New Mexico, with the state finishing in 48^th place for the proportion of its elders living in poverty. It finished in 43^rd place for tax-friendliness on pensions and Social Security, and the annual cost of adult day care put it back in 48^th place.

When it comes to crime, it's not good news either, with violent crime placing it in 48^th place and property crime in 49^th.

Elder-abuse protections only rated 40^th place, while it's back in 48^th place for the number of its 65-plus residents who have health insurance, and in 42^nd place for the share of its 65-plus population in good health.

6. New Jersey

Some Garden State. It's not all coming up roses for seniors, with a 42^nd-place finish for adjusted cost of living and general tax friendliness and 44^th place for an elder-friendly labor market.

The quality of its elder abuse protections only rated a 46^th-place ranking and the number of health care facilities per 100,000 residents was a dismal 46^th place. Oh, and the number of 65-plus residents with health insurance only rated a 45^th-place ranking.

5. Hawaii

Hawaii actually finished at 51^st place for its adjusted cost of living. Not that it doesn't have its compensations, but it also has plenty of drawbacks.

Public hospitals only rated 39^th; the share of the 65-plus population with health insurance placed the state in 37^th place; its labor market is far from elder-friendly, at 50^th place; and the annual cost of in-home services put it in 44^th place.

4. Connecticut

Connecticut's adjusted cost of living isn't much better than Hawaii's, with the state ranked in 45^th place. Its general tax friendliness is 48^th, and on pensions and Social Security it's only marginally better, at 43^rd place.

The annual cost of adult day care is 41^st, while the share of the 65-plus population with health insurance placed the state in 34^th place. And when it comes to the number of doctors, it placed 35^th.

3. District of Columbia

Washington, D.C. is almost as expensive as Hawaii, finishing in 50^th place. While it's 29^th on tax-friendliness for pensions and Social Security, it's at the very bottom for an elder-friendly labor market, in 51^st place.

That's probably why it also ranks 51^st for having the largest share of its 65-plus population living in poverty. It also ranked 51^st in both violent and property crime.

It only rated 31^st place for the number of 65-plus residents with health insurance, although when it comes to doctors it was in 1^st place—but on the other hand, with air quality that ranked it 49^th, Washingtonians probably need them. All that hot air, maybe?

2. Alaska

Forty-ninth in adjusted cost of living, Alaska has some issues for would-be retirees. The annual cost of in-home services comes in at 49^th place, while the annual cost of adult day care was lower at 51^st.

Weather got it 51^st place, while its violent crime rate got 50^th and the quality of its elder-abuse protections only rated 37^th. And the share of its 65-plus population with health insurance got the state a 45^th place ranking.

1. Rhode Island

Poor little Rhode Island. Its adjusted cost of living put it in 41^st place, while for general tax-friendliness it came in at 47^th and on pensions and Social Security 48^th. Not good news, and probably why it came in at 35^th place for the number of its 65-plus residents who live below the poverty line.

And it's 48^th because of the quality of its elder-abuse protections.

It's also 48^th for the number of doctors, 48^th for emotional health, and 42^nd for weather.