The civilian view of retirement includes travel, playing with grandkids, indulging in sports or hobbies. But it's a different story for military retirees, who are going back to civilian life and a likely second act.

Not only are they younger than the average civilian retiree—the average officer is only 45 years old, while nondisability enlisted personnel are even younger, at 42—but they can be bringing a host of different issues, both emotional and physical, with them into "retirement"—which is often an embarkation into a second career.

Starting over in a new, or even related field can be tough enough. But when you add in the need for good mental and physical health care, retired military personnel perhaps need to be even more discriminating about where they retire than the average civilian does.

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Marlene Satter

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