12 brain-smart places to retire

Your job keeps your brain active. So when you retire, you might seek a place that offers stimulation, so that you don't get bored. But you also have to be able to afford to live there. And, if you're an insurance professional, you may be concerned about the affordability of home and auto insurance. Kiplinger looked into the most stimulating locales for retirees, then added in those other factors. It came up with 12 that it says not only are moderately affordable but also provide residents with colleges and universities that can not only provide higher education but also access to such outside activities as concerts, lectures and even sporting events. But it didn't forget about the issue of access to health care. As a result, each of the cities listed below also has at least one hospital nearby that was rated by the Centers for Medicare and Medicaid Services as worthy of four or five stars — their highest ratings. In addition, each of these cities is located in a state that exempts all, or at least a part, of retirement income from taxes — a nice perk that can help with affordability. Related: 

• The easiest countries abroad to retire in 2020
• The best foreign countries for retirement in 2020
• The 5 most expensive states for a comfortable retirement