FILE - OH seniors 4-8-2019

Two senior citizens stroll April 8, 2019, through a neighborhood of Cleveland Heights, Ohio.

Ohio’s five largest cities ran the gamut in a recent comparative review of the best and worst cities to retire in the U.S.

Researchers with personal finance site WalletHub recently analyzed 182 cities across the U.S. for retirement friendliness, taking into account such factors as affordability, quality of life, access to health care and recreational activities.

Cincinnati came in toward the top of the analysis, ranking No. 14, while Toledo was near the bottom, coming in at No. 148 in the ranking.

The study’s intent, according to WalletHub’s researchers, was to help Americans plan an affordable retirement while maintaining the best quality of life possible.

Cincinnati’s ranking was bolstered by its array of activities for seniors. Across the nation, the city notched a No. 6 in the category.

However, Cincinnati’s results in other categories did score toward the middle or lower end in the comparative analysis. The city notched No. 85 in two categories – affordability and quality of life — and was No. 117 for health care.

Toledo’s near-bottom ranking can be attributed to low numbers in several categories. Researchers ranked the city No. 167 for quality of life and for retirement friendliness. Researchers determined Toledo was among the cities with the fewest number of recreation centers, per capita.

Elsewhere across the Buckeye State, Akron came in at No. 39, with near identical rankings in all four categories, ranging in the Nos. 60 to 70 ranking. (Different criteria in the analysis were weighted differently.)

Columbus scored No. 55 in the overall analysis, dinged with a No. 106 ranking for health care.

Cleveland’s results in the analysis ran across the board, landing the city No. 74 overall. It earned a No. 33 ranking for access to activities, but was near-bottom for quality of life, notching a No. 150.

Researchers did make a particular note on Cleveland, which was determined to have one of the lowest percentages of employed persons age 65 and up. Cleveland came in at No. 179.

Several retirement experts weighed in on WalletHub’s analysis, providing insight on the oft-asked questions about being as prepared as possible for the post-retirement years.

For retirees with limited financial means, determining where to live in a person’s elder-most years could be a very important decision, said Christina Yantis, adjunct professor at The Citadel, The Military College of South Carolina and a partner at the firm Moss & Yantis CPA.

“The cost of living in the area that you may be retiring to should be a primary concern if considering relocation during retirement,” Yantis told WalletHub. “Some areas of the country have a much higher cost of living, which can cause a strain for individuals living on limited or fixed income.”

The top 5 ranked cities in WalletHub’s retirement-friendly analysis were Orlando, Tampa, Scottsdale, Ariz., Charleston, S.C., and, at No. 5, Miami.

The bottom 5 ranked cities were Bakersfield, Calif., San Bernardino, Calif., Warwick, R.I., Bridgeport, Conn., and, at No. 182, Stockton, Calif.