Because you are old enough for OA or O Visa, and you are married, you only need 800.000 in the bank for the both of you and you can put your wife on the same visa as a dependant.
, you are correct, there is not such thing as retirement Visa, it is farang who gave this name. Also a “non immigration” as called above is also not existing, it’s non immigrant, from any kind of type Visa.