The waves are tall and the surfers are out in force. Across the dark blue cove, a lone white sailboat sways back and forth. The temperature is in the high 70s F and the air smells strongly of salt and sea.
For Jennifer and Gary Culp, this is the backdrop to their retirement: salty ocean air, cotton candy-pink sunsets, fish tacos, and friendly, fast-paced Spanish. They love every minute of it—though this wasn’t where they expected to end up.
In 2006 Jennifer and Gary—a teacher and former interfaith minister, respectively—were living in the U . . .
