older men working out Sperling's Comfort Index scores locations based on how many days annually stay within a temperature range of 70–80 degrees—with penalties for days of excessive humidity. (Photo: Shutterstock)

For many, winter can be tough -- particularly when zigging on the ice suddenly turns to zagging.

But take heart. Kiplinger has put together a list of places for retirement where the cold won't penetrate your bones.

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Marlene Satter

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