Danny Newman | Wealth of Geeks

Florida boasts 237 days of sunshine each year, 1350 miles of coastline, and over 1100 golf courses. The Sunshine State has everything you could ever ask for in a place to spend your golden years. Plus, it has a surprisingly reasonable cost of living and zero tax on retirement income - among many other impressive perks.

There's only one problem: With so many unique destinations in the state, picking the best one for your situation can feel impossible. To help with this daunting task, several retirement experts have offered their top recommendations.

Sarasota
Voted the #1 best place to live in Florida for 2022 and 2023, Sarasota boasts a
unique charm that attracts swathes of eager visitors and retirees alike.

The origin of the city's name offers a clue to its popularity. ''Sarasota'' originates from the Spanish word for ''a place of dancing.'' That pleasant spirit is evident throughout the city, with beautiful beaches, a flourishing arts scene, and delightful dining opportunities.

David Berns, a financial planner with Sarasota-based Truadvice Wealth Management, recommends the area.

''The Sunshine State is attracting more retirees than ever, with its beautiful weather and no state income tax. The top 3 places are Sarasota, Naples, and St. Petersburg. All three are known for their gorgeous beaches, arts scene, and theaters.''

Sarasota residents' health is also in good hands, thanks to an easily accessible network of medical centers and the renowned Sarasota Memorial Hospital.

Lakeland
Polk County's Lakeland may lack the ocean-side appeal of other Florida
destinations, yet there are still many reasons to consider it for your
retirement.

As the name suggests, lakes dominate the area's landscape. You can find 38 within city limits and more in the surrounding area. As a result, locals can fish, swim, paddle, and soak to their hearts' content.

Lakeland is a quieter and more affordable city than you'll likely find elsewhere in Florida. However, for those seeking access to Lakeland's natural beauty combined with the vibrance of a bigger city, Chris Shoup, founder of retirement- focused Southshore Financial Planning, recommends settling in nearby Tampa.

''Tampa [is] a top town for retirement. There are great outdoor activities like golf, pickleball, fishing, and boating that can be enjoyed year-round. For those that prefer indoors, we have incredible restaurants, shopping, and championship ice hockey to enjoy!''

Naples
Naples is an intensely desirable place to live, from its faultless weather and
white-sand beaches to its world-class golf courses, restaurants, and cultural
and shopping opportunities. Jorey Bernstein, CEO and Founder of Bernstein
Investment Consultants, elaborates on the city's many draws.

''If you're looking for a top town in Florida to retire, I would definitely recommend Naples. Located on the Gulf of Mexico, Naples boasts beautiful beaches, abundant golf courses, and a thriving arts and culture scene. The city also offers access to quality healthcare and a relatively low cost of living compared to other popular retirement destinations in Florida. Overall, Naples provides a luxurious and relaxing retirement lifestyle with plenty of natural beauty and entertainment options.''

Everything about Naples screams ''luxury.