What should I know about moving to Florida from a cold state?

How each state treats them, by its own tax department

• Pennsylvania: military pensions are not taxed, eligible employer plan payments, including 401(k) payments, are not taxed once you retire under the plan's conditions, and IRA withdrawals are not taxed at 59 1/2 or older.
• Illinois: the return subtracts IRA, 401(k), qualified plan and government retirement income, counting the part that was federally taxed.
• New York: pensions from New York State, its local governments and the federal government are subtracted at any age, and people 59 1/2 or older may each exclude up to $20,000 of other pension and annuity income.
• New Jersey: pensions, annuities and certain IRA withdrawals are taxable, with a pension exclusion for people 62 or older, or disabled.
• Michigan: for tax year 2026 and after, Treasury lists the pension subtraction at up to 100 percent of the state's limit, with no birth-date requirement.
• Massachusetts: many government pensions are exempt, while most private pensions and annuities and traditional IRA withdrawals are taxed.
• Ohio: retirement income included in federal adjusted gross income is generally taxed, and Social Security is deducted.
• Colorado: at 65 or older, all taxable Social Security comes off, and pension and annuity income up to $24,000, less the Social Security already subtracted; from 55 to 64 the pension limit is $20,000, also less the Social Security subtracted.