The 10 Very Best Cities For A Working Retirement

Older Americans increasingly are choosing to postpone total retirement , whether it's to continue saving up money or because they aren't quite ready to leave the workforce .

Whatever the reason, choosing a place to "worktire" means looking at more than just recreational activities and the weather forecast.

Personal finance website SmartAsset has just released its second annual list of the Best Cities For A Worktirement . 

After looking at over 400 cities throughout the nation, they've narrowed it down to the top 25 after looking at a variety of factors including tax rates, availability of health care, housing costs and the local senior population. 

Florida was a big winner with four cities in the top 10 -- good news for anyone who hates the cold.  

"Florida cities like Fort Lauderdale and Pompano Beach offer low average effective tax rates for retirees. This may help seniors in the workforce keep a larger portion of their paychecks and also spend less on sales taxes," SmartAsset's Vice President of Content AJ Smith told The Huffington Post in an email. "Additionally, the Sunshine State provides a high concentration of seniors and senior-related amenities, like recreational facilities and doctors' offices. These metrics helped those cities perform well in this year's study." 

Check out the top 10 cities below and head over to SmartAsset to see the complete list and methodology.