Nearing retirement, you want to slow down a bit, but no way are you going to fully retire. In fact, you've got a few things yet to do and there's a good chance you'll reinvent yourself, restart your life, reset some goals and reestablish your dreams.

To bring it all together, you need some new scenery -- a place where you can afford to live without spending all your money on housing, a locale steeped in culture, entertainment and outdoor activities to keep up with your active lifestyle and somewhere you can enjoy a sense of community and security.

AARP has just taken the legwork out of your home work with "15 Top Dream Towns: The 15 Best Places To Reinvent Your Life", and, the nonprofit membership organization of 35 million people who are 50 and older is quick to point out, "Only two of them are in Florida."

AARP (formerly known as the American Association of Retired People) says half its members are working full or part time, are healthier and wealthier than previous generations and they are not ready to throw in the towel and become sedentary.

Some 18 million men and women 55 and older remain in the work force and at least seven out of 10 workers 45 and older plan to work during their retirement years, AARP says.

While earning money is the carrot for many to keep going, one third have simply found work a labor of love and a crucial element of the independence they wish to retain.

To address the needs of the growing demographic group of baby boomers redefining the retirement years, AARP looked at a host of factors in numerous cities to come up with 15 towns that are the best incubators for restarting life.

The factors include: