So you’re ready to retire. Have you decided where?

Hawaii’s weather is great and Vermont’s crime rate is low, but they’re among the least affordable states in the country. Michigan is more affordable, but oh, those winters.

A recent study by the financial website Bankrate.com offers some guidance by ranking the 50 states based on what’s important to those in retirement.

Each state was rated in five categories, with the most crucial given the greatest weight. Affordability made up 40 percent of the total score and included factors like cost of living, taxes and health care costs. The other categories were crime (5 percent of the score); culture, including the number of arts, entertainment and recreational venues, restaurants and the size of the population over 65 (15 percent); weather, based on average daily temperatures (15 percent); and wellness, or the overall health of the population, as well as the availability of health care services for older and disabled adults (25 percent).