Saving for retirement is no easy task, and it may be even more challenging depending on where you live. LPL Financial graded each of the fifty states to measure which is the most desirable state for people in the age range of 45 to 64, who see retirement on the horizon. LPL's Retirement Environment Index looked at factors that include cost of living, access to and the cost of healthcare, and housing affordability. Financial factors are the biggest weight in the index, which also includes employment and community quality of life.  'As a pre-retiree, we felt it was important to have all those factors to consider, especially now that mobility is greater than ever, 'explained Anthony Valeri, senior vice president of Research for LPL Financial.