For many major decisions, timing is everything—and that's no less true if you're considering relocating when you retire.

So says a Money report, which points out that there are plenty of potential obstacles to choosing the right time to pick a retirement destination. Making the decision at the wrong time can cost you—not just money, but in lots of other ways.

But making a decision like that can be tough, with so many factors to consider—whether you want a resort-like atmosphere in retirement or just want to have a smaller place to take care of; whether you want to stay close to the kids or community you spent years in or break new ground; how your health may affect whatever decision you make.

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