After a three-year struggle my wife and I have finally sold our home here in San Diego and are moving to the mountains of Panama (Boquete) on September 1st. I've written an article on the best way to travel to this world-class gardening spot (the temps are in the 70's every day of the year). If I've done it correctly, you can see the article at the link below. It may open a whole new world for your retirement dreams.
Here is a link that might be useful: Travel to Boquete, Panama