@Jim ******
The ‘retirement visa’ is an extension of the Non-O visa. The Non-O visa is a 90 day visa that allows you to open a bank account. There are few requirement for the 90 Day visa. Most of the requirements are for the extension. I have all of those things. Money, Insurance, criminal record check, condo contract etc.
All of the agents I’ve contacted want a lot of money and tell me that I don’t need this or that document because they will sort it out. It seems that that’s what they charge for because otherwise the procedure is quite simple and they can’t make a living out of guiding people through that.