Your clients or employees looking ahead toward retirement are probably giving some thought to where they'll live once the daily commute is behind them.

While lots of folks may plan to age in place and stay in the homes they've lived in for years, others may want — or need — a change in surroundings, possibly to make retirement funds last longer or to have better (or cheaper) access to doctors, museums, beaches, mountains or family. And retirees who opt to move need to choose carefully to be sure that they're getting the greatest benefit for the expense and effort of moving.

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Marlene Satter

Marlene Y. Satter has worked in and written about the financial industry for decades.