10. Grey Oaks and Estuary | Location: Naples, Florida | Estimated cost: Many homes are on the market for $6 million or more | This community, established nearly 40 years ago, offers two golf courses among its amenities. Its centerpiece is a 62,000 sqare-foot social center. (Photo: Grey Oaks Website)
9. Promontory Club | Location: Park City, Utah | Estimated cost: low millions to more than $12 million | Located in the mountains, the community offers residents skiing, a Pete Dye-designed golf course and other activities, such as hiking and horseback riding. (Photo: Promontory Club Website)
8. Mediterra | Location: Bonita Springs, Florida | Estimated cost: $500,000 to $7 million+ | Located close to Naples, the community has two Tom Fazio golf courses, new pickleball courts and a giant clubhouse that is being expanded. A separate beach club on the Gulf of Mexico offers dining. (Photo: Mediterra Website)
7. The Ritz-Carlton | Location: Chicago | Estimated cost: low millions to $8 million | Amenities include meals prepared by the hotel chefs. A special feature of the property is the Landmark Club, a full-floor private club for residents and their guests. (Photo: The Ritz-Carlton Website)
6. Spruce Creek Fly-In Community | Location: Port Orange, Florida | Estimated cost: $165,000 condos to multimillion-dollar mansions | This community started life as a naval air field in World War II and is now a residential airpark with a 4,000-foot lighted runway and a GPS approach. Its private airport in the center of the community can accommodate aircraft ranging from a Stearman to a Gulfstream. It also sports a championship golf course. (Photo: Spruce Creek Website)

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5. The Clare | Location: Chicago | Estimated cost: $300,000 to $1.5 million | The community offers both independent living residences and a range of assisted living programs. Amenities include transportation services, breakfast, a pool and 24-hour security service. (Photo: The Clare Website)
4. Isleworth | Location: Windemere, Florida | Estimated cost: $4 million to $11 million | Topretirements notes that some of the country’s wealthiest people of all ages live here. In addition to a golf course designed by Arnold Palmer, the community boasts art works by Henry Moore and Salvador Dali. (Photo: Isleworth Website)
3. White Sands at LaJolla | Location: LaJolla, California | Estimated cost: up to $1.5 million for entrance fee, plus monthly fees up to $7,000 | The community has a recently expanded campus offering $50 million worth of comforts and pleasures. Assisted or independent living is available, as well as a memory unit and skilled nursing. (Photo: White Sands at LoJolla Website)
2. Sailfish Point | Location: Stuart, Florida | Estimated cost: $5 million+ | This exclusive enclave on Hutchinson Island allows access only to those who live in the community or who have an appointment. For residents, there is a Jack Nicklaus golf course, beaches on the ocean and a variety of facilities. (Photo: Sailfish Point Website)
1. Ocean Reef Club | Location: Key Largo, Florida | Estimated cost: One home currently on the market has an asking price of $22 million | This private community sits on some 2,500 acres, including marina slips and its own airstrip. Members have access to two golf courses, a tennis center, trails and the community’s medical center. (Photo: Ocean Reef Club Website)

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Whereas many Americans face financial struggles as they approach retirement, the top tier of well-to-do people can focus on less fraught matters, such whether a beach club or a golf course — or perhaps a landing strip for private planes — is more important to their retirement lifestyle.

Topretirements.com pulled together an informal list of 10 communities it found to be the most expensive places to retire in the U.S. The list does not purport to be comprehensive, but gives a good indication what is available to those who can afford top-dollar accommodations.

Topretirements noted that most people are looking for a 55-plus or active community where they can retire and stretch their savings and Social Security into a comfortable retirement.

In contrast, its list of the most expensive communities comprises a range of 55-plus, all ages, active adult, lifecare developments and continuing care retirement communities. Topretirements noted, however, that most of the residents in these places are in fact 55 and older, even if there is no requirement.

What these communities have in common is how expensive it is to buy into them and pay their associated fees. Many, not surprisingly, are located in Florida or big urban centers — the latter tending to be high-end continuing care communities.

Check out the gallery for what’s on offer at the country’s most luxurious retirement communities.

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