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The best places to retire, according to “Retirement Places Rated” (Macmillan Travel; $21.95), with average scores based on six factors — cost of living, climate, crime, services, working and leisure living:

1. Ft. Collins-Loveland, Colo ……. 74.88

2. Charleston Sea Island, S.C. …… 74.68

3. Henderson-Boulder City, Nev. ….. 73.80

4. Wickenburg, Ariz …………….. 72.83

5. St. George-Zion, Utah ………… 72.51

6. Boca Raton, Fla. …………….. 71.36

7. Scottsdale, Ariz. ……………. 70.66

8. Tucson, Ariz. ……………….. 69.72

9. Prescott-Prescott Valley, Ariz. .. 69.46

10. Ft. Myers-Cape Coral, Fla. …… 68.96