If you've had your heart set on Florida, or one of the other Southern hubs of retirement such as the Carolinas, after you've considered the positions those states hold on the list you might want to reconsider. While financially some states are very desirable, making retiree resources go further, there are things that matter more than money — and that can seriously affect how your retirement goes.

In its evaluation of the states and D.C. to find the best potential retirement destinations, LPL broke things down into six categories: Financial, health care, housing, community quality of life, employment and education and wellness.

Public data on all these categories were used to evaluate and rank the states, based on how attractive they make each place to the preretiree group — but the index is weighted most heavily in favor of finance.

So if one of your potential destinations is not high on the list but is good financially, you should look closely at those other factors to see which drawbacks they represent.

For instance, while the report says that "A state's fiscal health and the financial health of a state's preretirees will likely directly impact individuals' ability to enjoy a fulfilling retirement," it also points out that the quality of health care, the availability of affordable housing and the presence of nursing care and/or assisted living facilities have to be major considerations when choosing a retirement home. So too do social factors such as crime rates, traffic patterns and weather conditions.

But since the study is looking at preretirees' needs, such factors as jobs and education have to play a major role as well. It points out that "The 20 years before retirement can generate the highest rate of savings if fully employed. Employment may offer benefits beyond income, such as 401Ks, pensions and health insurance."

And last but not least is wellness, since "personal habits and tendencies impact health during the final years of employment and into retirement."

And since those poor habits can actually drive one into an early grave, not to mention a deteriorating quality of life before the final curtain — not to mention higher health care costs and perhaps a lack of state-provided resources to draw on for care — it pays to consider whether you might be moving into a haven of couch potatoes with a short life expectancy.

Here are the five states LPL says came out on top, as well as the five at the bottom that you might want to avoid. Each was graded from A to F based on those six categories mentioned above — and only five states got an A.

Five Best States for Pre-Retirees

5. Wyoming

Financial: A

Health care: D

Housing: C

Community Quality of Life: A

Employment and Education: C

Wellness: C

The Equality State is one of only five out of the whole country to get an overall A as a potential retirement destination, coming in fifth. It actually did better last year and the year before, though, when it placed third and fourth, respectively.

Rapid City, and all of South Dakota, ranked high on best places to retire.

4. South Dakota

Financial: A

Health care: C

Housing: C

Community Quality of Life: C

Employment and Education: C

Wellness: C

South Dakota actually finished in second place for the last two years — but lost ground, finishing this year still with an A, but in fourth place.

3. Minnesota

Financial: B

Health care: B

Housing: D

Community Quality of Life: B

Employment and Education: B

Wellness: B

Minnesota redeemed itself in third place with an A this year after falling out of the top five last year, coming in only in seventh place. In 2015, however, it had been in third place.

2. Michigan

Financial: B

Health care: B

Housing: B

Community Quality of Life: C

Employment and Education: C

Wellness: C

In 2015, Michigan actually finished in 19th place — so it's come a long way. In fact, it improved the most of all the states. Last year the state was fourth, and this year its A won it a second-place finish.

1. Nebraska

Financial: A

Health care: C

Housing: C

Community Quality of Life: A

Employment and Education: C

Wellness: C

In the top spot, Nebraska's grade of A is a distinct improvement over 2015, when it finished ninth, and 2016, when it finished eighth. The state has done well.

Five Worst States for Pre-Retirees

5. New Jersey

Financial: D

Health care: C

Housing: C

Community Quality of Life: F

Employment and Education: B

Wellness: C

The Garden State, with an F and at 47th place, actually improved from where it was in 2015, when it scored a dismal 50. But actually that improvement took place last year, when it clawed its way up to 47th place. This year it managed to stay there.

4. New Mexico

Financial: C

Health care: D

Housing: C

Community Quality of Life: F

Employment and Education: F

Wellness: C

Another F state, New Mexico lost ground since last year — which had been an improvement over the year before. In 2015, the state was 49th, but managed to rise to 46 last year. This year it's back down — this time to 48th place.

3. Oregon

Financial: D

Health care: C

Housing: D

Community Quality of Life: D

Employment and Education: C

Wellness: C

Oregon, with an F grade, has been losing ground over the past couple of years. In 2015 it was in 41st place, but fell to 48th last year — and this year is even closer to the bottom, at 49th.

2. California

Financial: F

Health care: D

Housing: D

Community Quality of Life: B

Employment and Education: C

Wellness: B

California flunked again. It was in 48th place in 2015, and this year's 50th place is actually an improvement over last year, when it hit the very bottom at 51.

1. New York

Financial: F

Health care: B

Housing: F

Community Quality of Life: F

Employment and Education: C

Wellness: C

Not only did New York finish in 51st place in 2015, its unaffordability keeps it at the bottom. While it did experience a brief rise to 49th place last year, a drop in its health care score knocked it back down.