Do you find yourself cold and cash-strapped Here are 4 hot states that won’t tax your pension income at all — no matter how old you are or how much money you have

It’s a good idea to retire somewhere warm as the United States enters winter.

But for many folks on the cusp of retirement, it’s not just cold climates that can tarnish your golden years. There’s also taxes.

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If you’re looking to retire to a place that’s not only warm but also keeps thirsty governments away from your hard-earned, post-career assets, you have options. Some U.S. states even have a golden combination of temperate climates, no income taxes, no pension taxes, and no taxes on distributions from retirement plans — regardless of your age or wealth.

However, it’s important to remember that state taxation is part of a larger income puzzle: You can’t escape federal taxes or, in most places, property or local taxes that support schools, infrastructure and first responders.

That being said, here’s a sampling of where your money will go the farthest while you stay the warmest.

Florida

Let’s get the obvious choice out of the way: The Sunshine State is very hospitable to retirees and their money. The state famously lacks a state income tax, which means you won’t pay any tax on your pension.

Assuming you can stomach the state’s real estate costs and the occasional hurricane, your 401(k) and IRA distributions will go further since Florida doesn’t tax distributions from those plans. Social security? There are no taxes.

Nevada

Retiring to the Silver State is a safe bet, since Nevada is another state that doesn’t have income tax, which like Florida means no taxes on pensions, retirement plan distributions or Social Security.

Nevada is home to many of the nation’s top retirement destination towns, with the suburbs outside of Las Vegas offering the tempting combination of warmer temperatures in winter and access to casinos and other entertainment year-round.

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Texas

Even though recent winter conditions in Texas have been difficult, Texasans can still expect to be warm. Your heart will be warmed by tax breaks.

Texas doesn’t tax state income. It also doesn’t tax Social Security or pension income. distributions from retirement plans. These factors combined with a lower cost of living, and lower real estate prices make Texas a desirable destination.

But government money lost to those tax breaks has to come from somewhere, which explains why the state has some of the nation’s highest property tax rates.

Tennessee

Dolly Parton was able to do it, so why not you?

Tennessee has no income tax. This means that residents of Tennessee do not pay taxes on their pensions. Social Security benefits. A low cost of living is another advantage, as well as low property taxes.

Tennessee also has a variety of retirement communities that you can choose from if your looking for companionship in your golden years. promotes Through the Tennessee Department of Tourist Development.

Bonus: Hawaii

How about Hawaii, another idyllic spot?

Unfortunately, Hawaii doesn’t quite make the cut: while Social Security income isn’t taxed in the state, private pensions and retirement plan distributions are.

Of course, there’s a good chance that if you’re even considering Hawaii — with its high cost of living and soaring real estate valuations — you’ve probably determined that you can survive those levies.

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This article is for informational purposes only. It should not be considered as advice. It is provided without warranty.