Are drinks by the ocean your vision of a peaceful retirement? How about hikes in clean mountain air? Many of us have an idea of where we’d like to spend our golden years, but little idea of how to get there — or the logistics around money and choosing the right locale.

BBC Capital can help. We spoke with Stephanie Sherman, a New Jersey-based financial planner for Prudential Financial Planning Services, who gave us surprising ideas for making your retirement years golden, no matter where you’d like to be. 

Among them, ‘practice’ for your life abroad by taking extended vacations in the countries you are considering and join organisations there. Can’t decide on a single place? Sherman has ideas for that, too.   

To learn more, click ‘play’ on the arrow above. And start packing your bags.