If your clients are shopping around for a new place to live andwork, or simply to retire, it’s important that financialprofessionals can help them make informed decisions based on theirgoals and desires and how those fit within their financialplans.

As aging clients retire, for example, many of them look for achange of scenery to spend their golden years and, where someonelives in retirement is a personal choice, but it’s also a financialone.

A recent study by GoBankingRates revealed severaldestinations experiencing expensive growing pains.

Portland, Oregon, known for its microbreweries, hipster vibe andfledgling tech scene, tops the study’s list and is expected to seethe highest rise in cost of living in 2018.

GoBankingRates reached its findings by analyzing 75 of thelargest cities in the U.S. and zeroing in on three key economicindicators: Zillow’s year-over-year median home value forecast;Zillow’s year-over-year median rent forecast; and the Bureau ofLabor Statistics’ Consumer Price Index change between 2014 and2017.

Findings from the study include:

• The Dallas-Fort Worth metro area hadthe largest predicted increase in homevalue; Realtor.com anticipates that this area will be theNo. 2 housing market in the country next year.

• Home prices in Denver will continue todrive costs up in 2018 because of a high demand for homes and lowsupply of available housing.

• Of the cities on the list, SanFrancisco had the largest increase in the cost of consumerproducts and services over the last three years.

Let’s take a closer look at the five cities that will face thebiggest COLA sticker shock in 2018:

5. San Diego

• Forecast year-over-year change in homevalue: 2.86%

• Forecast year-over-year change inrent: 3.91%

• CPI 2016-2017: 3.28%

• Average CPI change 2014-2017: 2.01%

San Diego has the beautiful waterfront and a thriving biotechcommunity. It also has the fourth-highest median home list priceand median rent of all of the major metro areas in the U.S.,according to Zillow. And, prices are expected to continue to risenext year.

4. Atlanta

• Forecast year-over-year change in homevalue: 3.34%

• Forecast year-over-year change inrent: 5.08%

• CPI 2016-2017: 3.15%

• Average CPI change 2014-2017: 1.51%

Atlanta is the only city in the top five that resides east ofthe Mississippi River. The Southern gem is quickly pricing itselfout from an affordability standpoint.

From June 2014 to June 2017, the median list price for a homerose more than 50 percent, going from under $220,000 to $335,000.According to the GoBankingRates study, home prices areexpected to continue rising in 2018.

3. Denver

• Forecast year-over-year change in homevalue: 3.52%

• Forecast year-over-year change inrent: 4.37%

• CPI 2016-2017: 3.09%

• Average CPI change 2014-2017: 2.36%

The Mile High city is earning its name these days with homeprices continuing to soar. According to the Denver MetroAssociation of Realtors' Market Trends Committee, Denver is influx. It’s among the fastest growing cities in the nation, causinga housing logjam as demand for homes is far outstripping the lowsupply.

The result: housing will continue to drive up home prices in thecity in 2018. Of the metro areas included in this study, Denver sawthe third-highest average CPI change from 2014 to 2017.

2. Seattle

• Forecast year-over-year change in homevalue: 4.86%

• Forecast year-over-year change inrent: 5.73%

• CPI 2016-2017: 2.98%

• Average CPI change 2014-2017: 2.07%

It doesn’t rain every day in Seattle -- it only seems that way.But the gloomy weather isn’t slowing down its growth.

Seattle is expected to see the second-highest increase in homevalue and the largest increase in rent. The city's rapid growth andrising costs can be attributed to the recent tech boom, as well asthe construction of Amazon's new headquarters.

1. Portland, Ore.

• Forecast year-over-year change in homevalue: 2.81%

• Forecast year-over-year change inrent: 5.34%

• CPI 2016-2017: 4.42%

• Average CPI change 2014-2017: 2.49%

Boeing, Nike and Intel help drive employment in Portland,keeping the housing market humming. In 2014 and 2015, the City ofRoses boasted the lowest vacancy rate among the nation’s 75 largestmetropolitan areas.

While that number fell to 26th in 2016, Portland is expected tohave the largest cost of living increase in 2018 and thesecond-highest increase in rent. That does not bode well for thecity’s residents.

According to an earlier GoBankingRates study, at this rate, theaverage income in Portland is not enough to keep pace with the risein cost of living.